Statistik BPPDAN Edisi Juni 2012 by Reasuransi Internasional Indonesia

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

Page

1.1

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

1.2

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

2 3 4 5

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

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

1.3

1.4

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

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

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

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 2 - SECTION 2 : RISK AND LOSS PROFILE 2009

Page

2.1

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

2.2

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

53 54 55 56

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

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

2.3

2.4

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

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 3 - SECTION 3 : RISK AND LOSS PROFILE 2010

Page

3.1

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

3.2

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

104 105 106 107

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

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

3.3

3.4

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

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 4 - SECTION 4 : RISK AND LOSS PROFILE 2011

Page

4.1

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

4.2

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

155 156 157 158

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

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

4.3

4.4

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

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 5 5.1 5.2 5.3

- SECTION 5 : TABEL GABUNGAN - COMBINED TABLE

Page

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

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

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

BAGIAN 7 - SECTION 7 : EXAMPLE FOR REAL OCCUPATION CODE 7.1 OCCUPATION CODE : 23003 - NATURAL DRUGS 7.1.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 1 7.1.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 2 7.1.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 3 7.1.4 Risk and Loss Profile 2011 ……………………………………………………………………………… 4 7.2

OCCUPATION CODE : 2371 - MANUFACTURE OF TOOTH PASTE, SOAPS, DETERGENTS AND POLISHES 7.2.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 5 7.2.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 6 7.2.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 7 7.2.4 Risk and Loss Profile 2011 ……………………………………………………………………………… 8

7.3

OCCUPATION CODE : 24642 - BATIK ESTABLISHMENTS - PRINT 9 7.3.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 10 7.3.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 11 7.3.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 12 7.3.4 Risk and Loss Profile 2011 ………………………………………………………………………………

7.4

OCCUPATION CODE : 29411 - HOTELS, MOTELS, INNS, AND THE LIKE CERTIFIED BELOW 3 STARS CLASSIFICATION 13 7.4.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 14 7.4.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 15 7.4.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 16 7.4.4 Risk and Loss Profile 2011 ………………………………………………………………………………

7.5

OCCUPATION CODE : 2945 - RESTAURANT 17 7.5.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 18 7.5.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 19 7.5.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 20 7.5.4 Risk and Loss Profile 2011 ………………………………………………………………………………

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

RISK AND LOSS PROFILE 2008

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

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

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

: : :

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

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

TOTAL FR, IAR, LOP, EQ 2008 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 165,669 153,422 192,405 121,252 134,229 72,226 50,249 40,373 23,007 12,982 10,143 12,049 8,084 10,707 6,531 11,227 9,571 4,622 6,000 2,307 1,047,055

165,669 319,091 511,496 632,748 766,977 839,203 889,452 929,825 952,832 965,814 975,957 988,006 996,090 1,006,797 1,013,328 1,024,555 1,034,126 1,038,748 1,044,748 1,047,055

15.82 15.82 14.65 30.48 18.38 48.85 11.58 60.43 12.82 73.25 6.90 80.15 4.80 84.95 3.86 88.80 2.20 91.00 1.24 92.24 0.97 93.21 1.15 94.36 0.77 95.13 1.02 96.16 0.62 96.78 1.07 97.85 0.91 98.77 0.44 99.21 0.57 99.78 0.22 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 134,774.22 35,839.20 75,900.46 74,022.66 127,097.55 97,387.36 91,070.58 97,445.77 71,722.36 47,518.21 45,290.02 60,945.99 48,984.24 77,470.06 58,451.71 136,167.19 147,766.23 79,659.89 103,251.57 94,333.83 1,705,099.10

134,774.22 170,613.42 246,513.88 320,536.54 447,634.09 545,021.45 636,092.04 733,537.81 805,260.17 852,778.38 898,068.40 959,014.39 1,007,998.63 1,085,468.70 1,143,920.41 1,280,087.60 1,427,853.84 1,507,513.73 1,610,765.29 1,705,099.13

7.90 7.90 2.10 10.01 4.45 14.46 4.34 18.80 7.45 26.25 5.71 31.96 5.34 37.31 5.71 43.02 4.21 47.23 2.79 50.01 2.66 52.67 3.57 56.24 2.87 59.12 4.54 63.66 3.43 67.09 7.99 75.07 8.67 83.74 4.67 88.41 6.06 94.47 5.53 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,958 445 885 556 837 621 549 598 438 352 288 405 377 446 347 1,172 1,473 1,004 1,953 1,578 16,282

1,958 2,403 3,288 3,844 4,681 5,302 5,851 6,449 6,887 7,239 7,527 7,932 8,309 8,755 9,102 10,274 11,747 12,751 14,704 16,282

12.03 12.03 2.73 14.76 5.44 20.19 3.41 23.61 5.14 28.75 3.81 32.56 3.37 35.94 3.67 39.61 2.69 42.30 2.16 44.46 1.77 46.23 2.49 48.72 2.32 51.03 2.74 53.77 2.13 55.90 7.20 63.10 9.05 72.15 6.17 78.31 11.99 90.31 9.69 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 177,701.27 11,162.90 23,554.10 16,031.23 39,884.93 26,800.36 29,635.83 52,130.79 28,442.38 32,375.40 19,192.26 40,956.21 45,085.30 48,621.45 32,991.82 312,992.91 310,125.63 106,835.01 301,391.94 682,909.60 2,338,821.32

177,701.27 188,864.17 212,418.28 228,449.50 268,334.43 295,134.80 324,770.62 376,901.42 405,343.80 437,719.20 456,911.46 497,867.67 542,952.97 591,574.42 624,566.24 937,559.15 1,247,684.77 1,354,519.78 1,655,911.73 2,338,821.33

7.60 7.60 0.48 8.08 1.01 9.08 0.69 9.77 1.71 11.47 1.15 12.62 1.27 13.89 2.23 16.12 1.22 17.33 1.38 18.72 0.82 19.54 1.75 21.29 1.93 23.21 2.08 25.29 1.41 26.70 13.38 40.09 13.26 53.35 4.57 57.91 12.89 70.80 29.20 100.00

131.85 31.15 31.03 21.66 31.38 27.52 32.54 53.50 39.66 68.13 42.38 67.20 92.04 62.76 56.44 229.86 209.88 134.11 291.90 723.93

131.85 110.70 86.17 71.27 59.95 54.15 51.06 51.38 50.34 51.33 50.88 51.91 53.86 54.50 54.60 73.24 87.38 89.85 102.80 137.17

137.17

Page 1 of 204

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

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

: : :

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

FIRE (FR) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 135,021 144,038 177,999 109,081 116,398 56,626 37,683 27,947 14,862 7,974 5,804 6,557 4,058 4,963 2,845 4,159 3,286 1,346 2,070 814 863,531

135,021 279,059 457,058 566,139 682,537 739,163 776,846 804,793 819,655 827,629 833,433 839,990 844,048 849,011 851,856 856,015 859,301 860,647 862,717 863,531

15.64 15.64 16.68 32.32 20.61 52.93 12.63 65.56 13.48 79.04 6.56 85.60 4.36 89.96 3.24 93.20 1.72 94.92 0.92 95.84 0.67 96.51 0.76 97.27 0.47 97.74 0.57 98.32 0.33 98.65 0.48 99.13 0.38 99.51 0.16 99.67 0.24 99.91 0.09 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 54,958.49 54,958.49 33,969.42 88,927.91 71,534.47 160,462.38 68,645.80 229,108.18 115,425.66 344,533.84 83,050.86 427,584.69 75,659.42 503,244.12 76,334.19 579,578.31 53,471.62 633,049.93 33,728.92 666,778.86 30,518.18 697,297.03 38,911.57 736,208.60 29,553.22 765,761.82 43,138.94 808,900.76 30,685.69 839,586.44 58,517.72 898,104.16 53,964.06 952,068.22 22,636.95 974,705.17 20,647.03 995,352.20 12,154.34 1,007,506.54 1,007,506.54

5.45 5.45 3.37 8.83 7.10 15.93 6.81 22.74 11.46 34.20 8.24 42.44 7.51 49.95 7.58 57.53 5.31 62.83 3.35 66.18 3.03 69.21 3.86 73.07 2.93 76.01 4.28 80.29 3.05 83.33 5.81 89.14 5.36 94.50 2.25 96.74 2.05 98.79 1.21 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

829 317 510 297 411 306 265 244 164 150 128 134 105 179 135 444 547 193 407 129

56,573.51 6,888.01 20,766.73 10,423.62 28,152.55 17,683.62 19,013.27 23,317.56 11,947.69 15,339.82 10,898.05 21,682.95 26,226.11 26,274.25 21,225.05 105,561.69 85,194.70 47,713.26 136,591.59 63,030.59

5,894

829 1,146 1,656 1,953 2,364 2,670 2,935 3,179 3,343 3,493 3,621 3,755 3,860 4,039 4,174 4,618 5,165 5,358 5,765 5,894

14.07 14.07 5.38 19.44 8.65 28.10 5.04 33.14 6.97 40.11 5.19 45.30 4.50 49.80 4.14 53.94 2.78 56.72 2.54 59.26 2.17 61.44 2.27 63.71 1.78 65.49 3.04 68.53 2.29 70.82 7.53 78.35 9.28 87.63 3.27 90.91 6.91 97.81 2.19 100.00

754,504.61

56,573.51 63,461.51 84,228.25 94,651.87 122,804.42 140,488.04 159,501.30 182,818.86 194,766.55 210,106.37 221,004.42 242,687.38 268,913.49 295,187.73 316,412.78 421,974.47 507,169.17 554,882.43 691,474.02 754,504.61

7.50 7.50 0.91 8.41 2.75 11.16 1.38 12.54 3.73 16.28 2.34 18.62 2.52 21.14 3.09 24.23 1.58 25.81 2.03 27.85 1.44 29.29 2.87 32.17 3.48 35.64 3.48 39.12 2.81 41.94 13.99 55.93 11.29 67.22 6.32 73.54 18.10 91.65 8.35 100.00

102.94 102.94 20.28 71.36 29.03 52.49 15.18 41.31 24.39 35.64 21.29 32.86 25.13 31.69 30.55 31.54 22.34 30.77 45.48 31.51 35.71 31.69 55.72 32.96 88.74 35.12 60.91 36.49 69.17 37.69 180.39 46.99 157.87 53.27 210.78 56.93 661.56 69.47 518.59 74.89 74.89

Page 2 of 204

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

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

: : :

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

INDUSTRIAL ALL RISK (IAR) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,624 5,824 8,997 8,016 12,337 11,592 9,164 8,756 5,560 3,393 2,885 3,541 2,564 3,638 2,277 4,248 3,712 1,919 2,200 842 121,089

19,624 25,448 34,445 42,461 54,798 66,390 75,554 84,310 89,870 93,263 96,148 99,689 102,253 105,891 108,168 112,416 116,128 118,047 120,247 121,089

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

58,021.91 (770.85) 2,833.79 3,687.60 8,649.63 10,914.18 11,807.33 15,229.07 13,011.36 9,633.65 10,502.68 15,533.50 13,888.39 23,578.05 18,542.34 50,421.42 58,157.18 29,867.09 41,011.21 49,393.33 443,912.85

58,021.91 57,251.06 60,084.84 63,772.44 72,422.07 83,336.25 95,143.58 110,372.65 123,384.01 133,017.66 143,520.34 159,053.84 172,942.23 196,520.28 215,062.62 265,484.05 323,641.22 353,508.31 394,519.52 443,912.85

13.07 13.07 (0.17) 12.90 0.64 13.54 0.83 14.37 1.95 16.31 2.46 18.77 2.66 21.43 3.43 24.86 2.93 27.79 2.17 29.96 2.37 32.33 3.50 35.83 3.13 38.96 5.31 44.27 4.18 48.45 11.36 59.81 13.10 72.91 6.73 79.63 9.24 88.87 11.13 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,083 97 310 182 328 224 245 303 214 161 134 213 224 228 166 679 859 782 1,525 1,428 9,385

1,083 1,180 1,490 1,672 2,000 2,224 2,469 2,772 2,986 3,147 3,281 3,494 3,718 3,946 4,112 4,791 5,650 6,432 7,957 9,385

11.54 11.54 1.03 12.57 3.30 15.88 1.94 17.82 3.49 21.31 2.39 23.70 2.61 26.31 3.23 29.54 2.28 31.82 1.72 33.53 1.43 34.96 2.27 37.23 2.39 39.62 2.43 42.05 1.77 43.81 7.23 51.05 9.15 60.20 8.33 68.53 16.25 84.78 15.22 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

119,631.98 3,870.60 2,339.64 3,734.42 5,241.99 4,123.97 7,352.69 21,740.94 8,982.40 10,513.07 5,261.35 10,968.42 11,079.95 20,629.67 7,223.36 68,351.81 128,425.61 49,497.59 163,270.49 612,015.88

206.18 (502.12) 82.56 101.27 60.60 37.79 62.27 142.76 69.04 109.13 50.10 70.61 79.78 87.50 38.96 135.56 220.83 165.73 398.11 1,239.07

1,264,255.85

119,631.98 123,502.58 125,842.22 129,576.65 134,818.64 138,942.61 146,295.30 168,036.24 177,018.64 187,531.72 192,793.07 203,761.49 214,841.44 235,471.11 242,694.47 311,046.28 439,471.89 488,969.48 652,239.97 1,264,255.85

9.46 9.46 0.31 9.77 0.19 9.95 0.30 10.25 0.41 10.66 0.33 10.99 0.58 11.57 1.72 13.29 0.71 14.00 0.83 14.83 0.42 15.25 0.87 16.12 0.88 16.99 1.63 18.63 0.57 19.20 5.41 24.60 10.16 34.76 3.92 38.68 12.91 51.59 48.41 100.00

206.18 215.72 209.44 203.19 186.16 166.73 153.76 152.24 143.47 140.98 134.33 128.11 124.23 119.82 112.85 117.16 135.79 138.32 165.33 284.80

284.80

Page 3 of 204

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

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

: : :

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

LOSS OF PROFIT (LOP) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

0.21 10.88 0.31 1.46 2.16 6.06 8.96 43.40 29.52 39.43 43.99 47.86 65.28 67.11 64.02 137.11 287.41 125.91 169.58 67.73 1,218.42

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

0.02 0.02 0.89 0.91 0.03 0.94 0.12 1.06 0.18 1.23 0.50 1.73 0.74 2.47 3.56 6.03 2.42 8.45 3.24 11.69 3.61 15.30 3.93 19.23 5.36 24.58 5.51 30.09 5.25 35.35 11.25 46.60 23.59 70.19 10.33 80.52 13.92 94.44 5.56 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 2 0 0 0 2 5 0 2 4 0 7 0 0 6 0 28

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

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

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

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

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

: : :

01/01/2008 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 47.85 0.00 0.00 0.00 30.50 5,452.88 0.00 383.03 29.63 0.00 430.49 0.00 0.00 4.34 0.00

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

269.31

Page 4 of 204

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

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

: : :

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

EARTHQUAKE (EQ) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 11,017 3,535 5,403 4,149 5,489 3,996 3,392 3,650 2,558 1,591 1,431 1,929 1,437 2,083 1,400 2,794 2,528 1,308 1,692 644 62,026

11,017 14,552 19,955 24,104 29,593 33,589 36,981 40,631 43,189 44,780 46,211 48,140 49,577 51,660 53,060 55,854 58,382 59,690 61,382 62,026

17.76 17.76 5.70 23.46 8.71 32.17 6.69 38.86 8.85 47.71 6.44 54.15 5.47 59.62 5.88 65.51 4.12 69.63 2.57 72.20 2.31 74.50 3.11 77.61 2.32 79.93 3.36 83.29 2.26 85.54 4.50 90.05 4.08 94.13 2.11 96.23 2.73 98.96 1.04 100.00

21,793.61 2,629.76 1,531.89 1,687.79 3,020.10 3,416.26 3,594.88 5,839.11 5,209.86 4,116.20 4,225.17 6,453.05 5,477.36 10,685.96 9,159.67 27,090.95 35,357.58 27,029.94 41,423.75 32,718.43 252,461.32

21,793.61 24,423.37 25,955.26 27,643.05 30,663.15 34,079.42 37,674.30 43,513.41 48,723.26 52,839.46 57,064.63 63,517.68 68,995.04 79,681.00 88,840.67 115,931.61 151,289.20 178,319.14 219,742.89 252,461.32

8.63 8.63 1.04 9.67 0.61 10.28 0.67 10.95 1.20 12.15 1.35 13.50 1.42 14.92 2.31 17.24 2.06 19.30 1.63 20.93 1.67 22.60 2.56 25.16 2.17 27.33 4.23 31.56 3.63 35.19 10.73 45.92 14.01 59.93 10.71 70.63 16.41 87.04 12.96 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 46 31 65 77 98 89 39 51 60 39 21 58 46 35 46 42 67 29 15 21 975

46 77 142 219 317 406 445 496 556 595 616 674 720 755 801 843 910 939 954 975

4.72 4.72 3.18 7.90 6.67 14.56 7.90 22.46 10.05 32.51 9.13 41.64 4.00 45.64 5.23 50.87 6.15 57.03 4.00 61.03 2.15 63.18 5.95 69.13 4.72 73.85 3.59 77.44 4.72 82.15 4.31 86.46 6.87 93.33 2.97 96.31 1.54 97.85 2.15 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,495.79 404.29 447.72 1,873.19 6,490.39 4,989.87 3,269.87 7,072.30 7,512.30 6,510.48 634.02 8,304.84 7,529.18 1,697.65 4,543.42 138,489.17 96,505.31 9,624.16 1,522.51 7,863.13 316,779.56

1,495.79 1,900.08 2,347.80 4,220.99 10,711.38 15,701.24 18,971.12 26,043.41 33,555.71 40,066.18 40,700.20 49,005.04 56,534.22 58,231.86 62,775.28 201,264.45 297,769.77 307,393.92 308,916.43 316,779.56

0.47 0.47 0.13 0.60 0.14 0.74 0.59 1.33 2.05 3.38 1.58 4.96 1.03 5.99 2.23 8.22 2.37 10.59 2.06 12.65 0.20 12.85 2.62 15.47 2.38 17.85 0.54 18.38 1.43 19.82 43.72 63.53 30.46 94.00 3.04 97.04 0.48 97.52 2.48 100.00

6.86 15.37 29.23 110.98 214.91 146.06 90.96 121.12 144.19 158.17 15.01 128.70 137.46 15.89 49.60 511.20 272.94 35.61 3.68 24.03

6.86 7.78 9.05 15.27 34.93 46.07 50.36 59.85 68.87 75.83 71.32 77.15 81.94 73.08 70.66 173.61 196.82 172.38 140.58 125.48

125.48

Page 5 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2008 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 216 56 46 41 71 34 37 60 47 46 25 49 41 45 48 81 101 79 98 98 1,319

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

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

1,190.60 36.35 11.80 22.33 54.19 57.45 85.92 168.40 133.57 156.82 134.65 143.12 289.33 329.38 494.77 1,172.67 1,610.05 1,080.95 1,346.58 2,953.05 11,471.97

1,190.60 1,226.94 1,238.74 1,261.07 1,315.27 1,372.72 1,458.64 1,627.04 1,760.61 1,917.43 2,052.08 2,195.20 2,484.52 2,813.90 3,308.67 4,481.34 6,091.39 7,172.34 8,518.92 11,471.97

10.38 10.38 0.32 10.70 0.10 10.80 0.19 10.99 0.47 11.47 0.50 11.97 0.75 12.71 1.47 14.18 1.16 15.35 1.37 16.71 1.17 17.89 1.25 19.14 2.52 21.66 2.87 24.53 4.31 28.84 10.22 39.06 14.03 53.10 9.42 62.52 11.74 74.26 25.74 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

40 0 0 0 0 0 0 0 0 0 3 0 0 4 0 3 10 2 17 130

2,604.13 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 0.00 678.95 3,074.54 5.57 481.99 279,353.36

218.73 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 57.90 190.96 0.52 35.79 9,459.83

209

40 40 40 40 40 40 40 40 40 40 43 43 43 47 47 50 60 62 79 209

19.14 19.14 0.00 19.14 0.00 19.14 0.00 19.14 0.00 19.14 0.00 19.14 0.00 19.14 0.00 19.14 0.00 19.14 0.00 19.14 1.44 20.57 0.00 20.57 0.00 20.57 1.91 22.49 0.00 22.49 1.44 23.92 4.78 28.71 0.96 29.67 8.13 37.80 62.20 100.00

286,262.95

2,604.13 2,604.13 2,604.13 2,604.13 2,604.13 2,604.13 2,604.13 2,604.13 2,604.13 2,604.13 2,667.22 2,667.22 2,667.22 2,668.53 2,668.53 3,347.48 6,422.02 6,427.59 6,909.58 286,262.95

0.91 0.91 0.00 0.91 0.00 0.91 0.00 0.91 0.00 0.91 0.00 0.91 0.00 0.91 0.00 0.91 0.00 0.91 0.00 0.91 0.02 0.93 0.00 0.93 0.00 0.93 0.00 0.93 0.00 0.93 0.24 1.17 1.07 2.24 0.00 2.25 0.17 2.41 97.59 100.00

218.73 212.25 210.22 206.50 197.99 189.71 178.53 160.05 147.91 135.81 129.98 121.50 107.35 94.83 80.65 74.70 105.43 89.62 81.11 2,495.32

2,495.32

Page 6 of 204

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

: : :

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 310 104 115 79 120 100 73 115 91 59 48 68 48 100 49 127 194 88 151 66 2,105

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

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

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

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

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 0 0 0 0 4 2 0 6 5 4 5 0 10 16 25 26 46 51 206

6 6 6 6 6 6 10 12 12 18 23 27 32 32 42 58 83 109 155 206

2.91 2.91 0.00 2.91 0.00 2.91 0.00 2.91 0.00 2.91 0.00 2.91 1.94 4.85 0.97 5.83 0.00 5.83 2.91 8.74 2.43 11.17 1.94 13.11 2.43 15.53 0.00 15.53 4.85 20.39 7.77 28.16 12.14 40.29 12.62 52.91 22.33 75.24 24.76 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 69.55 0.00 0.00 0.00 0.00 0.00 16.30 119.64 0.00 146.39 7.64 74.31 713.32 0.00 3,889.86 6,211.53 9,066.59 1,477.18 2,445.10 23,734.72 47,972.12

69.55 69.55 69.55 69.55 69.55 69.55 85.85 205.49 205.49 351.87 359.51 433.82 1,147.14 1,147.14 5,037.00 11,248.53 20,315.11 21,792.30 24,237.39 47,972.12

0.14 0.14 0.00 0.14 0.00 0.14 0.00 0.14 0.00 0.14 0.00 0.14 0.03 0.18 0.25 0.43 0.00 0.43 0.31 0.73 0.02 0.75 0.15 0.90 1.49 2.39 0.00 2.39 8.11 10.50 12.95 23.45 18.90 42.35 3.08 45.43 5.10 50.52 49.48 100.00

11.57 0.00 0.00 0.00 0.00 0.00 16.88 57.35 0.00 82.00 4.09 24.73 240.79 0.00 817.55 509.82 536.80 106.79 170.22 815.50

11.57 11.11 10.23 9.42 8.21 7.26 8.15 16.28 13.66 20.91 19.23 20.00 46.52 38.06 144.34 238.92 317.57 280.09 262.97 395.58

395.58

Page 7 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

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

121 0 2 4 2 0 3 5 4 6 2 5 8 21 8 44 58 57 84 110

21,990.69 0.00 11.83 41.47 12.93 0.00 16.72 741.24 10.79 45.93 13.25 1,976.21 3,228.69 13,820.02 72.65 7,314.36 44,225.10 2,726.65 3,270.85 31,545.45

456.72 0.00 8.31 25.87 2.88 0.00 3.05 74.90 1.29 6.49 1.65 138.32 233.23 442.60 3.41 97.85 299.22 52.33 40.15 1,268.23

8,880

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

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

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

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

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

544

121 121 123 127 129 129 132 137 141 147 149 154 162 183 191 235 293 350 434 544

22.24 22.24 0.00 22.24 0.37 22.61 0.74 23.35 0.37 23.71 0.00 23.71 0.55 24.26 0.92 25.18 0.74 25.92 1.10 27.02 0.37 27.39 0.92 28.31 1.47 29.78 3.86 33.64 1.47 35.11 8.09 43.20 10.66 53.86 10.48 64.34 15.44 79.78 20.22 100.00

131,064.84

21,990.69 21,990.69 22,002.52 22,043.99 22,056.92 22,056.92 22,073.64 22,814.87 22,825.66 22,871.59 22,884.84 24,861.05 28,089.74 41,909.76 41,982.42 49,296.78 93,521.88 96,248.53 99,519.38 131,064.84

16.78 16.78 0.00 16.78 0.01 16.79 0.03 16.82 0.01 16.83 0.00 16.83 0.01 16.84 0.57 17.41 0.01 17.42 0.04 17.45 0.01 17.46 1.51 18.97 2.46 21.43 10.54 31.98 0.06 32.03 5.58 37.61 33.74 71.36 2.08 73.44 2.50 75.93 24.07 100.00

456.72 443.81 431.65 419.27 386.53 309.07 287.25 263.03 239.99 223.82 207.63 199.67 203.03 247.14 219.96 185.59 226.22 206.75 181.94 229.19

229.19

Page 8 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

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

115 4 17 2 9 14 23 19 8 25 27 23 20 30 37 56 83 91 186 35

16,012.91 8.40 487.71 1.84 251.59 213.61 3,802.51 765.70 1,579.19 4,429.38 1,308.53 663.98 2,011.99 4,284.80 748.24 1,329.88 1,746.94 12,566.84 104,042.01 1,544.67

207.46 2.41 166.13 0.50 36.42 21.60 267.80 33.02 72.54 296.50 67.26 21.29 73.24 77.71 14.87 10.99 12.08 126.86 1,249.96 29.87

11,194

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

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

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

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

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

824

115 119 136 138 147 161 184 203 211 236 263 286 306 336 373 429 512 603 789 824

13.96 13.96 0.49 14.44 2.06 16.50 0.24 16.75 1.09 17.84 1.70 19.54 2.79 22.33 2.31 24.64 0.97 25.61 3.03 28.64 3.28 31.92 2.79 34.71 2.43 37.14 3.64 40.78 4.49 45.27 6.80 52.06 10.07 62.14 11.04 73.18 22.57 95.75 4.25 100.00

157,800.72

16,012.91 16,021.31 16,509.03 16,510.86 16,762.45 16,976.06 20,778.56 21,544.27 23,123.46 27,552.84 28,861.37 29,525.36 31,537.34 35,822.14 36,570.38 37,900.26 39,647.20 52,214.04 156,256.05 157,800.72

10.15 10.15 0.01 10.15 0.31 10.46 0.00 10.46 0.16 10.62 0.14 10.76 2.41 13.17 0.49 13.65 1.00 14.65 2.81 17.46 0.83 18.29 0.42 18.71 1.28 19.99 2.72 22.70 0.47 23.18 0.84 24.02 1.11 25.12 7.96 33.09 65.93 99.02 0.98 100.00

207.46 198.60 197.46 189.18 177.97 163.11 175.68 152.29 141.66 154.64 146.04 129.04 123.06 115.03 101.09 78.50 63.19 71.87 192.98 183.19

183.19

Page 9 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

1,373 813 1,498 1,290 1,754 1,111 905 877 601 418 333 440 288 455 312 700 663 364 695 191

101 14 0 4 12 6 3 16 10 13 17 23 19 24 20 68 185 187 277 90

3,928.76 787.35 0.00 81.94 665.36 387.97 6.40 417.65 527.29 139.22 1,377.60 1,038.30 378.67 456.90 860.53 15,818.14 38,798.40 6,904.16 30,686.99 34,324.78

15,081

1,373 2,186 3,684 4,974 6,728 7,839 8,744 9,621 10,222 10,640 10,973 11,413 11,701 12,156 12,468 13,168 13,831 14,195 14,890 15,081

9.10 9.10 5.39 14.50 9.93 24.43 8.55 32.98 11.63 44.61 7.37 51.98 6.00 57.98 5.82 63.80 3.99 67.78 2.77 70.55 2.21 72.76 2.92 75.68 1.91 77.59 3.02 80.60 2.07 82.67 4.64 87.32 4.40 91.71 2.41 94.13 4.61 98.73 1.27 100.00

6,159.07 385.40 1,246.02 1,178.20 2,508.89 2,078.39 2,461.75 2,836.10 2,316.03 1,782.62 1,921.00 2,612.06 1,913.78 3,782.54 3,147.71 8,962.54 12,629.41 5,931.65 8,144.28 4,531.15 76,528.57

6,159.07 6,544.47 7,790.48 8,968.68 11,477.57 13,555.96 16,017.71 18,853.81 21,169.83 22,952.45 24,873.45 27,485.51 29,399.29 33,181.83 36,329.54 45,292.08 57,921.49 63,853.14 71,997.42 76,528.57

8.05 8.05 0.50 8.55 1.63 10.18 1.54 11.72 3.28 15.00 2.72 17.71 3.22 20.93 3.71 24.64 3.03 27.66 2.33 29.99 2.51 32.50 3.41 35.92 2.50 38.42 4.94 43.36 4.11 47.47 11.71 59.18 16.50 75.69 7.75 83.44 10.64 94.08 5.92 100.00

1,089

101 115 115 119 131 137 140 156 166 179 196 219 238 262 282 350 535 722 999 1,089

9.27 9.27 1.29 10.56 0.00 10.56 0.37 10.93 1.10 12.03 0.55 12.58 0.28 12.86 1.47 14.33 0.92 15.24 1.19 16.44 1.56 18.00 2.11 20.11 1.74 21.85 2.20 24.06 1.84 25.90 6.24 32.14 16.99 49.13 17.17 66.30 25.44 91.74 8.26 100.00

137,586.43

3,928.76 4,716.12 4,716.12 4,798.06 5,463.42 5,851.39 5,857.79 6,275.44 6,802.73 6,941.95 8,319.56 9,357.85 9,736.52 10,193.42 11,053.96 26,872.10 65,670.50 72,574.66 103,261.65 137,586.43

2.86 2.86 0.57 3.43 0.00 3.43 0.06 3.49 0.48 3.97 0.28 4.25 0.00 4.26 0.30 4.56 0.38 4.94 0.10 5.05 1.00 6.05 0.75 6.80 0.28 7.08 0.33 7.41 0.63 8.03 11.50 19.53 28.20 47.73 5.02 52.75 22.30 75.05 24.95 100.00

63.79 204.30 0.00 6.96 26.52 18.67 0.26 14.73 22.77 7.81 71.71 39.75 19.79 12.08 27.34 176.49 307.21 116.40 376.79 757.53

63.79 72.06 60.54 53.50 47.60 43.16 36.57 33.28 32.13 30.24 33.45 34.05 33.12 30.72 30.43 59.33 113.38 113.66 143.42 179.78

179.78

Page 10 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

1,072 493 811 735 1,021 707 596 692 495 354 282 367 270 404 261 520 495 305 371 121

83 2 30 8 2 26 12 8 4 12 20 20 21 16 12 51 102 57 64 28

18,856.12 6.75 160.51 423.85 6.00 78.83 1,212.00 237.64 1,684.29 196.74 8,306.51 1,247.90 9,747.56 9,023.71 507.97 27,631.11 38,083.29 28,028.41 32,688.59 8,006.68

10,372

1,072 1,565 2,376 3,111 4,132 4,839 5,435 6,127 6,622 6,976 7,258 7,625 7,895 8,299 8,560 9,080 9,575 9,880 10,251 10,372

10.34 10.34 4.75 15.09 7.82 22.91 7.09 29.99 9.84 39.84 6.82 46.65 5.75 52.40 6.67 59.07 4.77 63.84 3.41 67.26 2.72 69.98 3.54 73.52 2.60 76.12 3.90 80.01 2.52 82.53 5.01 87.54 4.77 92.32 2.94 95.26 3.58 98.83 1.17 100.00

5,118.78 336.45 739.81 727.22 1,491.37 1,599.39 1,740.32 2,691.39 2,272.39 1,919.44 1,756.09 2,846.74 2,036.31 4,018.22 3,333.75 8,312.48 13,698.94 7,038.44 7,578.06 8,276.05 77,531.61

5,118.78 5,455.23 6,195.03 6,922.25 8,413.63 10,013.01 11,753.33 14,444.72 16,717.11 18,636.54 20,392.63 23,239.37 25,275.67 29,293.89 32,627.64 40,940.12 54,639.06 61,677.50 69,255.56 77,531.61

6.60 6.60 0.43 7.04 0.95 7.99 0.94 8.93 1.92 10.85 2.06 12.91 2.24 15.16 3.47 18.63 2.93 21.56 2.48 24.04 2.26 26.30 3.67 29.97 2.63 32.60 5.18 37.78 4.30 42.08 10.72 52.80 17.67 70.47 9.08 79.55 9.77 89.33 10.67 100.00

578

83 85 115 123 125 151 163 171 175 187 207 227 248 264 276 327 429 486 550 578

14.36 14.36 0.35 14.71 5.19 19.90 1.38 21.28 0.35 21.63 4.50 26.12 2.08 28.20 1.38 29.58 0.69 30.28 2.08 32.35 3.46 35.81 3.46 39.27 3.63 42.91 2.77 45.67 2.08 47.75 8.82 56.57 17.65 74.22 9.86 84.08 11.07 95.16 4.84 100.00

186,134.44

18,856.12 18,862.87 19,023.38 19,447.23 19,453.23 19,532.06 20,744.06 20,981.69 22,665.98 22,862.72 31,169.22 32,417.12 42,164.68 51,188.39 51,696.36 79,327.46 117,410.76 145,439.17 178,127.76 186,134.44

10.13 10.13 0.00 10.13 0.09 10.22 0.23 10.45 0.00 10.45 0.04 10.49 0.65 11.14 0.13 11.27 0.90 12.18 0.11 12.28 4.46 16.75 0.67 17.42 5.24 22.65 4.85 27.50 0.27 27.77 14.84 42.62 20.46 63.08 15.06 78.14 17.56 95.70 4.30 100.00

368.37 2.01 21.70 58.28 0.40 4.93 69.64 8.83 74.12 10.25 473.01 43.84 478.69 224.57 15.24 332.41 278.00 398.22 431.36 96.75

368.37 345.78 307.07 280.94 231.21 195.07 176.50 145.26 135.59 122.68 152.85 139.49 166.82 174.74 158.44 193.76 214.88 235.81 257.20 240.08

240.08

Page 11 of 204

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

: : :

TOTAL FR, IAR, LOP, EQ 2008 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 995 599 697 504 601 441 382 438 349 283 225 260 184 345 241 394 409 237 300 61 7,945

995 1,594 2,291 2,795 3,396 3,837 4,219 4,657 5,006 5,289 5,514 5,774 5,958 6,303 6,544 6,938 7,347 7,584 7,884 7,945

12.52 12.52 7.54 20.06 8.77 28.84 6.34 35.18 7.56 42.74 5.55 48.29 4.81 53.10 5.51 58.62 4.39 63.01 3.56 66.57 2.83 69.40 3.27 72.67 2.32 74.99 4.34 79.33 3.03 82.37 4.96 87.33 5.15 92.47 2.98 95.46 3.78 99.23 0.77 100.00

4,646.34 527.11 888.47 1,008.96 1,662.54 1,735.77 1,753.97 2,894.66 2,750.42 2,253.84 2,318.78 3,016.59 2,619.59 5,674.81 5,196.87 11,170.70 10,806.67 6,675.47 6,442.29 4,553.90 78,597.76

4,646.34 5,173.45 6,061.92 7,070.88 8,733.42 10,469.19 12,223.15 15,117.81 17,868.24 20,122.08 22,440.86 25,457.45 28,077.04 33,751.85 38,948.72 50,119.42 60,926.09 67,601.57 74,043.86 78,597.76

5.91 5.91 0.67 6.58 1.13 7.71 1.28 9.00 2.12 11.11 2.21 13.32 2.23 15.55 3.68 19.23 3.50 22.73 2.87 25.60 2.95 28.55 3.84 32.39 3.33 35.72 7.22 42.94 6.61 49.55 14.21 63.77 13.75 77.52 8.49 86.01 8.20 94.21 5.79 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 31 0 11 4 7 0 14 14 1 7 4 11 7 35 35 77 88 29 39 4 418

31 31 42 46 53 53 67 81 82 89 93 104 111 146 181 258 346 375 414 418

7.42 7.42 0.00 7.42 2.63 10.05 0.96 11.00 1.67 12.68 0.00 12.68 3.35 16.03 3.35 19.38 0.24 19.62 1.67 21.29 0.96 22.25 2.63 24.88 1.67 26.56 8.37 34.93 8.37 43.30 18.42 61.72 21.05 82.78 6.94 89.71 9.33 99.04 0.96 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,775.74 0.00 7,305.94 6.73 899.84 0.00 1,816.08 2,254.07 0.00 121.63 184.07 3,466.77 2,512.36 8,205.10 8,403.64 33,219.29 34,823.88 5,593.31 1,789.44 268.25 113,646.17

2,775.74 2,775.74 10,081.69 10,088.42 10,988.26 10,988.26 12,804.34 15,058.42 15,058.42 15,180.05 15,364.12 18,830.89 21,343.25 29,548.35 37,951.99 71,171.28 105,995.17 111,588.48 113,377.92 113,646.17

2.44 2.44 0.00 2.44 6.43 8.87 0.01 8.88 0.79 9.67 0.00 9.67 1.60 11.27 1.98 13.25 0.00 13.25 0.11 13.36 0.16 13.52 3.05 16.57 2.21 18.78 7.22 26.00 7.39 33.39 29.23 62.63 30.64 93.27 4.92 98.19 1.57 99.76 0.24 100.00

59.74 0.00 822.30 0.67 54.12 0.00 103.54 77.87 0.00 5.40 7.94 114.92 95.91 144.59 161.71 297.38 322.24 83.79 27.78 5.89

59.74 53.65 166.31 142.68 125.82 104.96 104.75 99.61 84.27 75.44 68.46 73.97 76.02 87.55 97.44 142.00 173.97 165.07 153.12 144.59

144.59

Page 12 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

4,852 2,353 2,538 1,830 2,145 1,409 1,076 1,207 883 750 546 773 651 1,064 765 1,649 1,771 873 968 342

318 20 9 10 50 83 60 98 28 62 28 48 49 64 51 307 340 174 276 133

22,488.81 79.26 59.48 48.61 1,657.71 1,318.46 1,863.91 3,160.60 881.40 2,257.76 1,594.32 1,932.23 5,481.41 3,540.92 6,503.97 14,765.29 27,013.18 10,783.13 12,268.97 7,718.67

28,445

4,852 7,205 9,743 11,573 13,718 15,127 16,203 17,410 18,293 19,043 19,589 20,362 21,013 22,077 22,842 24,491 26,262 27,135 28,103 28,445

17.06 17.06 8.27 25.33 8.92 34.25 6.43 40.69 7.54 48.23 4.95 53.18 3.78 56.96 4.24 61.21 3.10 64.31 2.64 66.95 1.92 68.87 2.72 71.58 2.29 73.87 3.74 77.61 2.69 80.30 5.80 86.10 6.23 92.33 3.07 95.39 3.40 98.80 1.20 100.00

9,186.88 140.58 969.41 973.79 1,840.05 2,603.44 1,946.50 2,545.10 2,118.74 1,850.99 2,438.71 2,921.57 3,141.65 6,016.78 5,407.81 14,091.06 16,868.77 8,651.89 7,867.11 3,973.65 95,554.45

9,186.88 9,327.46 10,296.88 11,270.66 13,110.71 15,714.15 17,660.65 20,205.75 22,324.48 24,175.47 26,614.17 29,535.74 32,677.39 38,694.17 44,101.98 58,193.03 75,061.80 83,713.69 91,580.80 95,554.45

9.61 9.61 0.15 9.76 1.01 10.78 1.02 11.80 1.93 13.72 2.72 16.45 2.04 18.48 2.66 21.15 2.22 23.36 1.94 25.30 2.55 27.85 3.06 30.91 3.29 34.20 6.30 40.49 5.66 46.15 14.75 60.90 17.65 78.55 9.05 87.61 8.23 95.84 4.16 100.00

2,208

318 338 347 357 407 490 550 648 676 738 766 814 863 927 978 1,285 1,625 1,799 2,075 2,208

14.40 14.40 0.91 15.31 0.41 15.72 0.45 16.17 2.26 18.43 3.76 22.19 2.72 24.91 4.44 29.35 1.27 30.62 2.81 33.42 1.27 34.69 2.17 36.87 2.22 39.09 2.90 41.98 2.31 44.29 13.90 58.20 15.40 73.60 7.88 81.48 12.50 93.98 6.02 100.00

125,418.10

22,488.81 22,568.07 22,627.55 22,676.16 24,333.87 25,652.33 27,516.24 30,676.84 31,558.24 33,816.00 35,410.32 37,342.56 42,823.97 46,364.89 52,868.86 67,634.15 94,647.33 105,430.46 117,699.43 125,418.10

17.93 17.93 0.06 17.99 0.05 18.04 0.04 18.08 1.32 19.40 1.05 20.45 1.49 21.94 2.52 24.46 0.70 25.16 1.80 26.96 1.27 28.23 1.54 29.77 4.37 34.14 2.82 36.97 5.19 42.15 11.77 53.93 21.54 75.47 8.60 84.06 9.78 93.85 6.15 100.00

244.79 56.38 6.14 4.99 90.09 50.64 95.76 124.18 41.60 121.98 65.38 66.14 174.48 58.85 120.27 104.78 160.14 124.63 155.95 194.25

244.79 241.95 219.75 201.20 185.60 163.24 155.81 151.82 141.36 139.88 133.05 126.43 131.05 119.82 119.88 116.22 126.09 125.94 128.52 131.25

131.25

Page 13 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 76 78 14 112 566 2,492 749 294 9 23 8 17 11 45 13 55 74 84 117 133 4,970

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

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

786.30 118.33 11.90 9.63 11.89 7.76 34.74 68.74 17.48 34.48 16.33 89.12 15.94 254.73 126.83 619.11 1,177.60 741.32 1,605.73 1,816.69 7,564.66

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 7,564.66

10.39 10.39 1.56 11.96 0.16 12.12 0.13 12.24 0.16 12.40 0.10 12.50 0.46 12.96 0.91 13.87 0.23 14.10 0.46 14.56 0.22 14.77 1.18 15.95 0.21 16.16 3.37 19.53 1.68 21.21 8.18 29.39 15.57 44.96 9.80 54.76 21.23 75.98 24.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 0 0 0 0 12 2 0 0 0 0 0 0 2 6 2 15 25 38 106

4 4 4 4 4 4 16 18 18 18 18 18 18 18 20 26 28 43 68 106

3.77 3.77 0.00 3.77 0.00 3.77 0.00 3.77 0.00 3.77 0.00 3.77 11.32 15.09 1.89 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 1.89 18.87 5.66 24.53 1.89 26.42 14.15 40.57 23.58 64.15 35.85 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

157.05 0.00 0.00 0.00 0.00 0.00 305.27 4.15 0.00 0.00 0.00 0.00 0.00 0.00 256.25 441.24 10.62 211.54 14,516.39 58,474.01

19.97 0.00 0.00 0.00 0.00 0.00 878.72 6.03 0.00 0.00 0.00 0.00 0.00 0.00 202.05 71.27 0.90 28.54 904.04 3,218.71

74,376.53

157.05 157.05 157.05 157.05 157.05 157.05 462.32 466.47 466.47 466.47 466.47 466.47 466.47 466.47 722.72 1,163.96 1,174.58 1,386.12 15,902.52 74,376.53

0.21 0.21 0.00 0.21 0.00 0.21 0.00 0.21 0.00 0.21 0.00 0.21 0.41 0.62 0.01 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.34 0.97 0.59 1.56 0.01 1.58 0.28 1.86 19.52 21.38 78.62 100.00

19.97 17.36 17.14 16.96 16.74 16.61 47.15 44.46 43.73 42.36 41.74 38.66 38.15 31.57 45.05 52.35 34.54 33.46 276.66 983.21

983.21

Page 14 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2008 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 152,950 148,216 185,816 115,947 126,699 64,854 45,360 35,395 19,559 10,338 7,990 9,112 5,852 7,034 4,034 5,946 4,121 1,639 2,154 637 953,653

152,950 301,166 486,982 602,929 729,628 794,482 839,842 875,237 894,796 905,134 913,124 922,236 928,088 935,122 939,156 945,102 949,223 950,862 953,016 953,653

16.04 16.04 15.54 31.58 19.48 51.06 12.16 63.22 13.29 76.51 6.80 83.31 4.76 88.07 3.71 91.78 2.05 93.83 1.08 94.91 0.84 95.75 0.96 96.71 0.61 97.32 0.74 98.06 0.42 98.48 0.62 99.10 0.43 99.54 0.17 99.71 0.23 99.93 0.07 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 93,971.87 35,178.56 71,395.01 69,418.79 118,109.40 86,659.56 80,823.40 82,314.47 58,677.58 36,981.31 33,609.53 44,111.94 34,279.84 47,267.51 32,407.61 67,255.27 55,706.20 28,947.61 43,488.75 55,182.50 1,175,786.69

93,971.87 129,150.44 200,545.44 269,964.24 388,073.63 474,733.19 555,556.58 637,871.05 696,548.64 733,529.94 767,139.48 811,251.42 845,531.26 892,798.77 925,206.38 992,461.64 1,048,167.84 1,077,115.44 1,120,604.19 1,175,786.69

7.99 7.99 2.99 10.98 6.07 17.06 5.90 22.96 10.05 33.01 7.37 40.38 6.87 47.25 7.00 54.25 4.99 59.24 3.15 62.39 2.86 65.24 3.75 69.00 2.92 71.91 4.02 75.93 2.76 78.69 5.72 84.41 4.74 89.15 2.46 91.61 3.70 95.31 4.69 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,128 402 806 522 753 492 418 428 381 221 182 269 248 248 163 541 556 348 914 958 9,978

1,128 1,530 2,336 2,858 3,611 4,103 4,521 4,949 5,330 5,551 5,733 6,002 6,250 6,498 6,661 7,202 7,758 8,106 9,020 9,978

11.30 11.30 4.03 15.33 8.08 23.41 5.23 28.64 7.55 36.19 4.93 41.12 4.19 45.31 4.29 49.60 3.82 53.42 2.21 55.63 1.82 57.46 2.70 60.15 2.49 62.64 2.49 65.12 1.63 66.76 5.42 72.18 5.57 77.75 3.49 81.24 9.16 90.40 9.60 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 88,696.72 88,696.72 10,276.50 98,973.22 15,524.57 114,497.79 15,425.58 129,923.37 36,387.40 166,310.77 24,801.50 191,112.27 20,596.64 211,708.91 44,297.20 256,006.11 23,679.33 279,685.44 25,038.34 304,723.79 6,337.25 311,061.04 30,515.46 341,576.50 21,011.30 362,587.80 9,222.02 371,809.82 11,252.13 383,061.94 205,536.97 588,598.91 110,434.08 699,032.99 37,263.10 736,296.10 98,967.59 835,263.69 237,939.00 1,073,202.69 1,073,202.69

8.26 8.26 0.96 9.22 1.45 10.67 1.44 12.11 3.39 15.50 2.31 17.81 1.92 19.73 4.13 23.85 2.21 26.06 2.33 28.39 0.59 28.98 2.84 31.83 1.96 33.79 0.86 34.64 1.05 35.69 19.15 54.85 10.29 65.14 3.47 68.61 9.22 77.83 22.17 100.00

94.39 29.21 21.74 22.22 30.81 28.62 25.48 53.81 40.35 67.71 18.86 69.18 61.29 19.51 34.72 305.61 198.24 128.73 227.57 431.19

94.39 76.63 57.09 48.13 42.86 40.26 38.11 40.13 40.15 41.54 40.55 42.10 42.88 41.65 41.40 59.31 66.69 68.36 74.54 91.28

91.28

Page 15 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

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

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

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

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

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

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1.71 4.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.35

1.71 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35

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

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

2.77 95.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.77 9.55 7.30 5.15 3.57 2.96 2.58 2.26 2.09 1.84 1.78 1.48 1.23 1.10 1.06 0.81 0.74 0.49 0.35 0.35

0.35

Page 16 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

172.60 (1,495.85) 18.24 8.24 32.42 24.27 75.37 289.63 73.08 29.44 63.33 156.55 32.78 339.27 183.40 1,763.90 1,728.84 2,662.40 6,428.86 1,934.83 14,521.60

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 0 2 0 2 0 0 6 2 0 0 2 0 2 4 0 10 8 20 1 66

7 7 9 9 11 11 11 17 19 19 19 21 21 23 27 27 37 45 65 66

10.61 10.61 0.00 10.61 3.03 13.64 0.00 13.64 3.03 16.67 0.00 16.67 0.00 16.67 9.09 25.76 3.03 28.79 0.00 28.79 0.00 28.79 3.03 31.82 0.00 31.82 3.03 34.85 6.06 40.91 0.00 40.91 15.15 56.06 12.12 68.18 30.30 98.48 1.52 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 119.08 0.00 2.41 0.00 4.11 0.00 0.00 132.90 80.11 0.00 0.00 41.06 0.00 54.15 214.82 0.00 16.35 383.69 52.39 0.00 1,101.04

119.08 119.08 121.49 121.49 125.59 125.59 125.59 258.49 338.60 338.60 338.60 379.65 379.65 433.80 648.62 648.62 664.96 1,048.66 1,101.04 1,101.04

10.81 10.81 0.00 10.81 0.22 11.03 0.00 11.03 0.37 11.41 0.00 11.41 0.00 11.41 12.07 23.48 7.28 30.75 0.00 30.75 0.00 30.75 3.73 34.48 0.00 34.48 4.92 39.40 19.51 58.91 0.00 58.91 1.48 60.39 34.85 95.24 4.76 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 68.99 0.00 13.22 0.00 12.66 0.00 0.00 45.89 109.62 0.00 0.00 26.23 0.00 15.96 117.13 0.00 0.95 14.41 0.81 0.00

68.99 (9.00) (9.31) (9.37) (9.93) (10.13) (10.78) (29.54) (42.22) (43.83) (47.74) (68.69) (73.02) (240.16) 23,406.39 36.71 19.02 17.03 8.75 7.58

7.58

Page 17 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

6.39 28.84 11.91 1.74 8.03 5.48 5.48 16.43 9.96 30.80 9.62 0.00 15.27 250.45 6.30 307.63 748.10 753.27 1,793.99 0.00 4,009.66

6.39 35.22 47.13 48.88 56.91 62.38 67.86 84.28 94.24 125.03 134.65 134.65 149.93 400.37 406.67 714.30 1,462.40 2,215.67 4,009.66 4,009.66

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

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

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

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

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

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

21.65

Page 18 of 204

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

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

339.36 64.65 97.92 51.27 76.26 54.99 52.73 57.38 85.32 46.72 74.35 129.45 140.52 274.17 489.36 1,526.89 1,784.70 676.55 224.95 0.00 6,247.54

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

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

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

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.00 10.00 25.00 35.00 15.00 50.00 20.00 70.00 30.00 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.51 281.76 46.15 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.37 0.37 4.56 8.33 8.70 57.58 1.36 10.07 3.02 67.92 77.99 128.67 22.01 100.00 109.99 0.00 100.00 0.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.81 14.46 9.56 49.32 56.14 54.12 54.12

54.12

Page 19 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,188 1,578 2,150 1,323 1,126 454 355 195 111 38 28 29 29 31 22 20 27 13 9 17 8,743

1,188 2,766 4,916 6,239 7,365 7,819 8,174 8,369 8,480 8,518 8,546 8,575 8,604 8,635 8,657 8,677 8,704 8,717 8,726 8,743

13.59 13.59 18.05 31.64 24.59 56.23 15.13 71.36 12.88 84.24 5.19 89.43 4.06 93.49 2.23 95.72 1.27 96.99 0.43 97.43 0.32 97.75 0.33 98.08 0.33 98.41 0.35 98.76 0.25 99.02 0.23 99.25 0.31 99.55 0.15 99.70 0.10 99.81 0.19 100.00

324.04 627.31 1,509.94 1,516.73 1,798.28 1,049.51 994.30 686.58 466.87 180.29 129.45 177.27 155.45 241.34 191.17 273.60 806.13 400.99 52.98 462.06 12,044.29

324.04 951.35 2,461.30 3,978.03 5,776.31 6,825.82 7,820.12 8,506.69 8,973.56 9,153.85 9,283.30 9,460.57 9,616.02 9,857.36 10,048.54 10,322.13 11,128.27 11,529.25 11,582.23 12,044.29

2.69 2.69 5.21 7.90 12.54 20.44 12.59 33.03 14.93 47.96 8.71 56.67 8.26 64.93 5.70 70.63 3.88 74.50 1.50 76.00 1.07 77.08 1.47 78.55 1.29 79.84 2.00 81.84 1.59 83.43 2.27 85.70 6.69 92.39 3.33 95.72 0.44 96.16 3.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 4 2 7 0 2 2 0 0 2 0 0 0 0 1 0 0 2 0 0 34

12 16 18 25 25 27 29 29 29 31 31 31 31 31 32 32 32 34 34 34

35.29 35.29 11.76 47.06 5.88 52.94 20.59 73.53 0.00 73.53 5.88 79.41 5.88 85.29 0.00 85.29 0.00 85.29 5.88 91.18 0.00 91.18 0.00 91.18 0.00 91.18 0.00 91.18 2.94 94.12 0.00 94.12 0.00 94.12 5.88 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

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

75.99 11.56 0.00 22.36 0.00 1.04 0.05 0.00 0.00 26.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.46 0.00 0.00

75.99 33.50 12.95 16.54 11.39 9.80 8.56 7.87 7.46 7.83 7.72 7.57 7.45 7.27 7.13 6.94 6.44 6.68 6.65 6.40

6.40

Page 20 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9,137 8,592 14,798 9,923 9,841 4,259 2,970 2,125 1,166 657 537 582 428 532 309 537 526 251 246 79 67,495

9,137 17,729 32,527 42,450 52,291 56,550 59,520 61,645 62,811 63,468 64,005 64,587 65,015 65,547 65,856 66,393 66,919 67,170 67,416 67,495

13.54 13.54 12.73 26.27 21.92 48.19 14.70 62.89 14.58 77.47 6.31 83.78 4.40 88.18 3.15 91.33 1.73 93.06 0.97 94.03 0.80 94.83 0.86 95.69 0.63 96.33 0.79 97.11 0.46 97.57 0.80 98.37 0.78 99.15 0.37 99.52 0.36 99.88 0.12 100.00

5,587.44 1,950.60 5,189.45 5,650.41 8,937.98 5,495.61 5,778.23 5,498.68 4,136.45 2,748.64 2,625.36 3,318.53 3,048.37 4,333.95 3,516.27 8,204.35 7,996.77 4,839.07 2,646.18 2,184.58 93,686.92

5,587.44 7,538.04 12,727.50 18,377.91 27,315.89 32,811.50 38,589.73 44,088.41 48,224.86 50,973.50 53,598.86 56,917.39 59,965.76 64,299.71 67,815.98 76,020.33 84,017.10 88,856.17 91,502.35 93,686.92

5.96 5.96 2.08 8.05 5.54 13.59 6.03 19.62 9.54 29.16 5.87 35.02 6.17 41.19 5.87 47.06 4.42 51.47 2.93 54.41 2.80 57.21 3.54 60.75 3.25 64.01 4.63 68.63 3.75 72.39 8.76 81.14 8.54 89.68 5.17 94.84 2.82 97.67 2.33 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

144 18 22 29 39 52 17 49 14 19 13 22 18 24 29 71 110 45 124 24

5,635.14 574.61 172.87 1,301.13 2,051.75 2,164.24 1,419.00 16,846.59 178.17 2,798.17 1,761.66 4,986.57 245.26 2,509.21 4,263.64 3,678.54 7,285.47 1,430.20 19,188.31 20,423.38

883

144 162 184 213 252 304 321 370 384 403 416 438 456 480 509 580 690 735 859 883

16.31 16.31 2.04 18.35 2.49 20.84 3.28 24.12 4.42 28.54 5.89 34.43 1.93 36.35 5.55 41.90 1.59 43.49 2.15 45.64 1.47 47.11 2.49 49.60 2.04 51.64 2.72 54.36 3.28 57.64 8.04 65.69 12.46 78.14 5.10 83.24 14.04 97.28 2.72 100.00

98,913.92

5,635.14 6,209.75 6,382.62 7,683.75 9,735.50 11,899.74 13,318.74 30,165.34 30,343.50 33,141.68 34,903.33 39,889.91 40,135.16 42,644.38 46,908.02 50,586.56 57,872.03 59,302.23 78,490.54 98,913.92

5.70 5.70 0.58 6.28 0.17 6.45 1.32 7.77 2.07 9.84 2.19 12.03 1.43 13.46 17.03 30.50 0.18 30.68 2.83 33.51 1.78 35.29 5.04 40.33 0.25 40.58 2.54 43.11 4.31 47.42 3.72 51.14 7.37 58.51 1.45 59.95 19.40 79.35 20.65 100.00

100.85 100.85 29.46 82.38 3.33 50.15 23.03 41.81 22.96 35.64 39.38 36.27 24.56 34.51 306.38 68.42 4.31 62.92 101.80 65.02 67.10 65.12 150.26 70.08 8.05 66.93 57.90 66.32 121.25 69.17 44.84 66.54 91.11 68.88 29.56 66.74 725.13 85.78 934.89 105.58 105.58

Page 21 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

2,719 4,450 7,077 4,078 3,583 1,414 1,036 598 403 207 190 209 143 149 93 123 100 58 41 14

44 38 100 103 134 78 75 49 66 36 36 47 45 37 28 38 63 24 4 12

1,347.52 555.32 686.34 2,788.66 8,341.74 8,170.62 7,155.69 7,740.88 8,470.88 6,021.07 2,840.81 8,145.60 7,567.27 2,061.94 2,901.04 139,328.53 97,393.15 13,903.63 19.60 18,153.91

133.14 68.09 32.71 140.75 262.62 384.69 317.58 493.80 665.98 598.72 511.16 1,017.19 1,484.81 335.46 1,000.74 11,661.04 7,409.39 1,751.53 3.06 2,435.59

26,685

2,719 7,169 14,246 18,324 21,907 23,321 24,357 24,955 25,358 25,565 25,755 25,964 26,107 26,256 26,349 26,472 26,572 26,630 26,671 26,685

10.19 10.19 16.68 26.87 26.52 53.39 15.28 68.67 13.43 82.09 5.30 87.39 3.88 91.28 2.24 93.52 1.51 95.03 0.78 95.80 0.71 96.51 0.78 97.30 0.54 97.83 0.56 98.39 0.35 98.74 0.46 99.20 0.37 99.58 0.22 99.79 0.15 99.95 0.05 100.00

1,012.09 815.58 2,098.09 1,981.25 3,176.36 2,123.96 2,253.21 1,567.63 1,271.95 1,005.65 555.75 800.80 509.65 614.65 289.89 1,194.82 1,314.46 793.80 641.19 745.36 24,766.12

1,012.09 1,827.67 3,925.75 5,907.00 9,083.36 11,207.32 13,460.53 15,028.16 16,300.11 17,305.77 17,861.52 18,662.31 19,171.96 19,786.61 20,076.50 21,271.32 22,585.78 23,379.58 24,020.76 24,766.12

4.09 4.09 3.29 7.38 8.47 15.85 8.00 23.85 12.83 36.68 8.58 45.25 9.10 54.35 6.33 60.68 5.14 65.82 4.06 69.88 2.24 72.12 3.23 75.35 2.06 77.41 2.48 79.89 1.17 81.06 4.82 85.89 5.31 91.20 3.21 94.40 2.59 96.99 3.01 100.00

1,057

44 82 182 285 419 497 572 621 687 723 759 806 851 888 916 954 1,017 1,041 1,045 1,057

4.16 4.16 3.60 7.76 9.46 17.22 9.74 26.96 12.68 39.64 7.38 47.02 7.10 54.12 4.64 58.75 6.24 65.00 3.41 68.40 3.41 71.81 4.45 76.25 4.26 80.51 3.50 84.01 2.65 86.66 3.60 90.26 5.96 96.22 2.27 98.49 0.38 98.86 1.14 100.00

343,594.20

1,347.52 1,902.84 2,589.17 5,377.83 13,719.58 21,890.20 29,045.89 36,786.77 45,257.65 51,278.71 54,119.52 62,265.12 69,832.39 71,894.33 74,795.37 214,123.91 311,517.05 325,420.68 325,440.29 343,594.20

0.39 0.39 0.16 0.55 0.20 0.75 0.81 1.57 2.43 3.99 2.38 6.37 2.08 8.45 2.25 10.71 2.47 13.17 1.75 14.92 0.83 15.75 2.37 18.12 2.20 20.32 0.60 20.92 0.84 21.77 40.55 62.32 28.35 90.66 4.05 94.71 0.01 94.72 5.28 100.00

133.14 104.11 65.95 91.04 151.04 195.32 215.79 244.79 277.65 296.31 303.00 333.64 364.24 363.35 372.55 1,006.63 1,379.26 1,391.90 1,354.83 1,387.36

1,387.36

Page 22 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,582 5,338 7,620 4,836 4,676 1,859 1,123 817 385 263 160 189 122 179 98 178 189 149 182 63 34,008

5,582 10,920 18,540 23,376 28,052 29,911 31,034 31,851 32,236 32,499 32,659 32,848 32,970 33,149 33,247 33,425 33,614 33,763 33,945 34,008

16.41 16.41 15.70 32.11 22.41 54.52 14.22 68.74 13.75 82.49 5.47 87.95 3.30 91.25 2.40 93.66 1.13 94.79 0.77 95.56 0.47 96.03 0.56 96.59 0.36 96.95 0.53 97.47 0.29 97.76 0.52 98.29 0.56 98.84 0.44 99.28 0.54 99.81 0.19 100.00

2,708.01 (317.53) 3,361.08 3,629.34 5,812.81 3,408.70 3,032.45 2,554.98 1,702.64 1,049.89 784.37 1,157.98 915.96 1,335.69 778.60 2,516.34 3,122.90 1,724.24 4,165.97 691.16 44,135.61

2,708.01 2,390.48 5,751.56 9,380.90 15,193.71 18,602.41 21,634.86 24,189.84 25,892.49 26,942.38 27,726.75 28,884.73 29,800.69 31,136.39 31,914.99 34,431.33 37,554.23 39,278.47 43,444.44 44,135.61

6.14 6.14 (0.72) 5.42 7.62 13.03 8.22 21.25 13.17 34.43 7.72 42.15 6.87 49.02 5.79 54.81 3.86 58.67 2.38 61.04 1.78 62.82 2.62 65.45 2.08 67.52 3.03 70.55 1.76 72.31 5.70 78.01 7.08 85.09 3.91 88.99 9.44 98.43 1.57 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 46 29 29 13 17 11 16 20 4 9 2 8 2 2 4 3 34 14 11 20 294

46 75 104 117 134 145 161 181 185 194 196 204 206 208 212 215 249 263 274 294

15.65 15.65 9.86 25.51 9.86 35.37 4.42 39.80 5.78 45.58 3.74 49.32 5.44 54.76 6.80 61.56 1.36 62.93 3.06 65.99 0.68 66.67 2.72 69.39 0.68 70.07 0.68 70.75 1.36 72.11 1.02 73.13 11.56 84.69 4.76 89.46 3.74 93.20 6.80 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

17,486.28 690.13 925.55 457.04 664.39 604.97 1,738.55 1,103.61 150.00 4,565.47 3.78 705.06 2.13 5.53 289.07 7.39 2,960.61 1,210.08 3,460.12 2,488.03

645.72 (217.34) 27.54 12.59 11.43 17.75 57.33 43.19 8.81 434.85 0.48 60.89 0.23 0.41 37.13 0.29 94.80 70.18 83.06 359.98

39,517.78

17,486.28 18,176.41 19,101.95 19,558.99 20,223.38 20,828.35 22,566.90 23,670.51 23,820.51 28,385.98 28,389.76 29,094.82 29,096.95 29,102.48 29,391.56 29,398.95 32,359.56 33,569.64 37,029.76 39,517.78

44.25 44.25 1.75 46.00 2.34 48.34 1.16 49.49 1.68 51.18 1.53 52.71 4.40 57.11 2.79 59.90 0.38 60.28 11.55 71.83 0.01 71.84 1.78 73.62 0.01 73.63 0.01 73.64 0.73 74.38 0.02 74.39 7.49 81.89 3.06 84.95 8.76 93.70 6.30 100.00

645.72 760.37 332.12 208.50 133.10 111.97 104.31 97.85 92.00 105.36 102.39 100.73 97.64 93.47 92.09 85.38 86.17 85.47 85.23 89.54

89.54

Page 23 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,152 2,662 3,078 1,712 1,503 598 348 269 144 88 47 56 45 56 40 37 60 39 39 9 12,982

2,152 4,814 7,892 9,604 11,107 11,705 12,053 12,322 12,466 12,554 12,601 12,657 12,702 12,758 12,798 12,835 12,895 12,934 12,973 12,982

16.58 16.58 20.51 37.08 23.71 60.79 13.19 73.98 11.58 85.56 4.61 90.16 2.68 92.84 2.07 94.92 1.11 96.03 0.68 96.70 0.36 97.07 0.43 97.50 0.35 97.84 0.43 98.27 0.31 98.58 0.29 98.87 0.46 99.33 0.30 99.63 0.30 99.93 0.07 100.00

523.85 748.59 1,663.79 1,453.52 1,946.11 1,156.66 871.10 893.52 750.24 322.17 190.88 364.39 276.60 438.40 756.57 651.97 746.37 841.14 880.26 57.61 15,533.73

523.85 1,272.44 2,936.23 4,389.75 6,335.86 7,492.52 8,363.62 9,257.14 10,007.38 10,329.55 10,520.43 10,884.82 11,161.42 11,599.82 12,356.39 13,008.36 13,754.73 14,595.87 15,476.13 15,533.73

3.37 3.37 4.82 8.19 10.71 18.90 9.36 28.26 12.53 40.79 7.45 48.23 5.61 53.84 5.75 59.59 4.83 64.42 2.07 66.50 1.23 67.73 2.35 70.07 1.78 71.85 2.82 74.68 4.87 79.55 4.20 83.74 4.80 88.55 5.41 93.96 5.67 99.63 0.37 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 4 9 3 9 4 2 0 0 1 0 2 0 2 0 0 6 13 0 0 61

6 10 19 22 31 35 37 37 37 38 38 40 40 42 42 42 48 61 61 61

9.84 9.84 6.56 16.39 14.75 31.15 4.92 36.07 14.75 50.82 6.56 57.38 3.28 60.66 0.00 60.66 0.00 60.66 1.64 62.30 0.00 62.30 3.28 65.57 0.00 65.57 3.28 68.85 0.00 68.85 0.00 68.85 9.84 78.69 21.31 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 37.05 69.00 446.45 73.80 777.56 1.14 129.61 0.00 0.00 0.00 0.00 0.00 0.00 1.83 0.00 0.00 228.01 418.63 0.00 0.00 2,183.08

37.05 106.05 552.51 626.31 1,403.86 1,405.01 1,534.62 1,534.62 1,534.62 1,534.62 1,534.62 1,534.62 1,534.62 1,536.44 1,536.44 1,536.44 1,764.45 2,183.08 2,183.08 2,183.08

1.70 1.70 3.16 4.86 20.45 25.31 3.38 28.69 35.62 64.31 0.05 64.36 5.94 70.30 0.00 70.30 0.00 70.30 0.00 70.30 0.00 70.30 0.00 70.30 0.00 70.30 0.08 70.38 0.00 70.38 0.00 70.38 10.44 80.82 19.18 100.00 0.00 100.00 0.00 100.00

7.07 9.22 26.83 5.08 39.95 0.10 14.88 0.00 0.00 0.00 0.00 0.00 0.00 0.42 0.00 0.00 30.55 49.77 0.00 0.00

7.07 8.33 18.82 14.27 22.16 18.75 18.35 16.58 15.33 14.86 14.59 14.10 13.75 13.25 12.43 11.81 12.83 14.96 14.11 14.05

14.05

Page 24 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

3,962 3,729 5,115 3,387 3,014 1,537 1,080 792 395 271 155 161 114 131 95 171 133 105 115 65

34 11 18 5 8 4 4 6 6 2 0 0 1 5 4 6 24 9 124 26

2,796.64 173.36 702.32 76.48 548.18 265.86 12.55 94.81 243.36 208.95 0.00 0.00 0.00 34.90 4.80 3,337.31 3,020.35 132.25 94,272.01 476.98

125.20 17.74 35.32 3.77 17.30 11.89 0.55 4.48 17.92 20.37 0.00 0.00 0.00 3.21 0.63 163.33 132.28 6.79 4,588.40 34.82

24,527

3,962 7,691 12,806 16,193 19,207 20,744 21,824 22,616 23,011 23,282 23,437 23,598 23,712 23,843 23,938 24,109 24,242 24,347 24,462 24,527

16.15 16.15 15.20 31.36 20.85 52.21 13.81 66.02 12.29 78.31 6.27 84.58 4.40 88.98 3.23 92.21 1.61 93.82 1.10 94.92 0.63 95.56 0.66 96.21 0.46 96.68 0.53 97.21 0.39 97.60 0.70 98.30 0.54 98.84 0.43 99.27 0.47 99.73 0.27 100.00

2,233.81 977.24 1,988.42 2,026.95 3,168.25 2,235.29 2,294.34 2,117.55 1,357.88 1,025.70 769.53 839.11 591.10 1,087.59 763.23 2,043.32 2,283.31 1,947.88 2,054.57 1,369.80 33,174.87

2,233.81 3,211.04 5,199.46 7,226.42 10,394.67 12,629.96 14,924.30 17,041.85 18,399.73 19,425.43 20,194.96 21,034.06 21,625.17 22,712.76 23,475.99 25,519.31 27,802.61 29,750.49 31,805.07 33,174.87

6.73 6.73 2.95 9.68 5.99 15.67 6.11 21.78 9.55 31.33 6.74 38.07 6.92 44.99 6.38 51.37 4.09 55.46 3.09 58.55 2.32 60.87 2.53 63.40 1.78 65.19 3.28 68.46 2.30 70.76 6.16 76.92 6.88 83.81 5.87 89.68 6.19 95.87 4.13 100.00

297

34 45 63 68 76 80 84 90 96 98 98 98 99 104 108 114 138 147 271 297

11.45 11.45 3.70 15.15 6.06 21.21 1.68 22.90 2.69 25.59 1.35 26.94 1.35 28.28 2.02 30.30 2.02 32.32 0.67 33.00 0.00 33.00 0.00 33.00 0.34 33.33 1.68 35.02 1.35 36.36 2.02 38.38 8.08 46.46 3.03 49.49 41.75 91.25 8.75 100.00

106,401.11

2,796.64 2,970.00 3,672.32 3,748.80 4,296.98 4,562.84 4,575.39 4,670.21 4,913.56 5,122.52 5,122.52 5,122.52 5,122.52 5,157.41 5,162.21 8,499.52 11,519.87 11,652.12 105,924.13 106,401.11

2.63 2.63 0.16 2.79 0.66 3.45 0.07 3.52 0.52 4.04 0.25 4.29 0.01 4.30 0.09 4.39 0.23 4.62 0.20 4.81 0.00 4.81 0.00 4.81 0.00 4.81 0.03 4.85 0.00 4.85 3.14 7.99 2.84 10.83 0.12 10.95 88.60 99.55 0.45 100.00

125.20 92.49 70.63 51.88 41.34 36.13 30.66 27.40 26.70 26.37 25.37 24.35 23.69 22.71 21.99 33.31 41.43 39.17 333.04 320.73

320.73

Page 25 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

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

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

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 4 6 10 18 2 0 0 5 0 0 0 2 0 0 0 0 2 4 0 64

11 15 21 31 49 51 51 51 56 56 56 56 58 58 58 58 58 60 64 64

17.19 17.19 6.25 23.44 9.38 32.81 15.63 48.44 28.13 76.56 3.13 79.69 0.00 79.69 0.00 79.69 7.81 87.50 0.00 87.50 0.00 87.50 0.00 87.50 3.13 90.63 0.00 90.63 0.00 90.63 0.00 90.63 0.00 90.63 3.13 93.75 6.25 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 109.42 42.58 90.22 152.12 1,231.03 15.27 0.00 0.00 8.95 0.00 0.00 0.00 45.36 0.00 0.00 0.00 0.00 45.45 17.04 0.00 1,757.43

109.42 152.00 242.22 394.34 1,625.37 1,640.63 1,640.63 1,640.63 1,649.58 1,649.58 1,649.58 1,649.58 1,694.94 1,694.94 1,694.94 1,694.94 1,694.94 1,740.39 1,757.43 1,757.43

6.23 6.23 25.41 2.42 8.65 11.22 5.13 13.78 12.03 8.66 22.44 26.33 70.05 92.49 146.38 0.87 93.35 3.32 0.00 93.35 0.00 0.00 93.35 0.00 0.51 93.86 4.67 0.00 93.86 0.00 0.00 93.86 0.00 0.00 93.86 0.00 2.58 96.44 41.83 0.00 96.44 0.00 0.00 96.44 0.00 0.00 96.44 0.00 0.00 96.44 0.00 2.59 99.03 21.64 0.97 100.00 16.24 0.00 100.00 0.00

25.41 18.76 15.52 18.44 54.56 47.71 43.04 40.51 38.90 37.70 36.70 34.46 34.62 34.06 32.24 31.21 29.06 28.80 28.58 28.45

28.45

Page 26 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

2,451 3,176 3,642 2,220 2,158 1,073 713 565 353 177 160 166 153 223 135 225 247 129 101 47

42 4 14 26 11 4 10 14 2 8 2 6 4 8 10 32 117 43 13 25

18,114

2,451 5,627 9,269 11,489 13,647 14,720 15,433 15,998 16,351 16,528 16,688 16,854 17,007 17,230 17,365 17,590 17,837 17,966 18,067 18,114

13.53 13.53 17.53 31.06 20.11 51.17 12.26 63.43 11.91 75.34 5.92 81.26 3.94 85.20 3.12 88.32 1.95 90.27 0.98 91.24 0.88 92.13 0.92 93.04 0.84 93.89 1.23 95.12 0.75 95.87 1.24 97.11 1.36 98.47 0.71 99.18 0.56 99.74 0.26 100.00

2,168.22 626.60 1,218.86 1,216.00 2,065.64 1,538.62 1,369.61 1,506.96 1,298.95 690.98 689.50 834.23 1,069.84 1,605.77 1,420.67 2,688.51 3,191.49 1,701.76 1,569.39 435.44 28,907.04

2,168.22 2,794.82 4,013.69 5,229.69 7,295.33 8,833.95 10,203.56 11,710.52 13,009.47 13,700.45 14,389.94 15,224.18 16,294.01 17,899.78 19,320.45 22,008.96 25,200.45 26,902.21 28,471.60 28,907.04

7.50 7.50 2.17 9.67 4.22 13.88 4.21 18.09 7.15 25.24 5.32 30.56 4.74 35.30 5.21 40.51 4.49 45.00 2.39 47.39 2.39 49.78 2.89 52.67 3.70 56.37 5.55 61.92 4.91 66.84 9.30 76.14 11.04 87.18 5.89 93.06 5.43 98.49 1.51 100.00

395

42 46 60 86 97 101 111 125 127 135 137 143 147 155 165 197 314 357 370 395

10.63 10.63 1.01 11.65 3.54 15.19 6.58 21.77 2.78 24.56 1.01 25.57 2.53 28.10 3.54 31.65 0.51 32.15 2.03 34.18 0.51 34.68 1.52 36.20 1.01 37.22 2.03 39.24 2.53 41.77 8.10 49.87 29.62 79.49 10.89 90.38 3.29 93.67 6.33 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5,850.80 74.61 14.45 271.23 601.39 28.10 300.83 59.21 2.03 1,521.71 3.06 846.14 35.42 790.74 1,324.75 3,499.07 4,321.69 742.42 1,099.13 1,009.79 22,396.56

5,850.80 5,925.41 5,939.85 6,211.09 6,812.47 6,840.57 7,141.40 7,200.61 7,202.65 8,724.35 8,727.41 9,573.55 9,608.97 10,399.71 11,724.46 15,223.53 19,545.22 20,287.64 21,386.77 22,396.56

26.12 26.12 0.33 26.46 0.06 26.52 1.21 27.73 2.69 30.42 0.13 30.54 1.34 31.89 0.26 32.15 0.01 32.16 6.79 38.95 0.01 38.97 3.78 42.75 0.16 42.90 3.53 46.43 5.91 52.35 15.62 67.97 19.30 87.27 3.31 90.58 4.91 95.49 4.51 100.00

269.84 11.91 1.19 22.31 29.11 1.83 21.96 3.93 0.16 220.22 0.44 101.43 3.31 49.24 93.25 130.15 135.41 43.63 70.04 231.90

269.84 212.01 147.99 118.77 93.38 77.44 69.99 61.49 55.36 63.68 60.65 62.88 58.97 58.10 60.68 69.17 77.56 75.41 75.12 77.48

77.48

Page 27 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 25,495 17,235 31,697 26,816 37,759 22,044 16,296 12,906 7,244 3,857 3,087 3,609 2,306 2,817 1,668 2,737 2,021 933 1,556 601 222,684

25,495 42,730 74,427 101,243 139,002 161,046 177,342 190,248 197,492 201,349 204,436 208,045 210,351 213,168 214,836 217,573 219,594 220,527 222,083 222,684

11.45 11.45 7.74 19.19 14.23 33.42 12.04 45.46 16.96 62.42 9.90 72.32 7.32 79.64 5.80 85.43 3.25 88.69 1.73 90.42 1.39 91.81 1.62 93.43 1.04 94.46 1.27 95.73 0.75 96.48 1.23 97.70 0.91 98.61 0.42 99.03 0.70 99.73 0.27 100.00

56,391.53 5,046.05 10,079.70 12,013.87 29,675.29 21,184.53 22,602.57 24,445.58 18,626.60 12,131.62 12,754.36 16,186.06 12,833.72 18,128.73 13,173.23 29,590.13 33,866.43 16,792.98 32,519.54 30,005.89 428,048.41

56,391.53 61,437.58 71,517.28 83,531.15 113,206.44 134,390.97 156,993.54 181,439.12 200,065.72 212,197.35 224,951.71 241,137.77 253,971.49 272,100.21 285,273.44 314,863.57 348,730.00 365,522.98 398,042.52 428,048.41

13.17 13.17 1.18 14.35 2.35 16.71 2.81 19.51 6.93 26.45 4.95 31.40 5.28 36.68 5.71 42.39 4.35 46.74 2.83 49.57 2.98 52.55 3.78 56.33 3.00 59.33 4.24 63.57 3.08 66.65 6.91 73.56 7.91 81.47 3.92 85.39 7.60 92.99 7.01 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

528 124 339 87 222 91 127 127 129 85 46 112 92 88 58 179 271 196 611 800

53,418.57 2,366.10 5,391.63 2,628.54 5,045.92 3,086.97 3,301.89 5,485.17 6,247.56 6,872.86 1,588.97 6,859.95 896.61 6,950.24 3,183.53 32,195.72 10,661.73 25,570.47 126,525.83 413,611.87

94.73 46.89 53.49 21.88 17.00 14.57 14.61 22.44 33.54 56.65 12.46 42.38 6.99 38.34 24.17 108.81 31.48 152.27 389.08 1,378.44

4,312

528 652 991 1,078 1,300 1,391 1,518 1,645 1,774 1,859 1,905 2,017 2,109 2,197 2,255 2,434 2,705 2,901 3,512 4,312

12.24 12.24 2.88 15.12 7.86 22.98 2.02 25.00 5.15 30.15 2.11 32.26 2.95 35.20 2.95 38.15 2.99 41.14 1.97 43.11 1.07 44.18 2.60 46.78 2.13 48.91 2.04 50.95 1.35 52.30 4.15 56.45 6.28 62.73 4.55 67.28 14.17 81.45 18.55 100.00

721,890.13

53,418.57 55,784.67 61,176.31 63,804.84 68,850.77 71,937.73 75,239.62 80,724.79 86,972.35 93,845.21 95,434.18 102,294.13 103,190.74 110,140.98 113,324.51 145,520.23 156,181.96 181,752.43 308,278.26 721,890.13

7.40 7.40 0.33 7.73 0.75 8.47 0.36 8.84 0.70 9.54 0.43 9.97 0.46 10.42 0.76 11.18 0.87 12.05 0.95 13.00 0.22 13.22 0.95 14.17 0.12 14.29 0.96 15.26 0.44 15.70 4.46 20.16 1.48 21.64 3.54 25.18 17.53 42.70 57.30 100.00

94.73 90.80 85.54 76.38 60.82 53.53 47.93 44.49 43.47 44.23 42.42 42.42 40.63 40.48 39.72 46.22 44.79 49.72 77.45 168.65

168.65

Page 28 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 31,205 28,148 29,645 17,424 18,035 9,939 6,284 5,332 2,940 1,762 1,365 1,836 1,277 1,861 1,239 2,373 2,072 1,066 1,513 483 165,799

31,205 59,353 88,998 106,422 124,457 134,396 140,680 146,012 148,952 150,714 152,079 153,915 155,192 157,053 158,292 160,665 162,737 163,803 165,316 165,799

18.82 18.82 16.98 35.80 17.88 53.68 10.51 64.19 10.88 75.06 5.99 81.06 3.79 84.85 3.22 88.07 1.77 89.84 1.06 90.90 0.82 91.72 1.11 92.83 0.77 93.60 1.12 94.72 0.75 95.47 1.43 96.90 1.25 98.15 0.64 98.80 0.91 99.71 0.29 100.00

20,003.65 6,579.43 11,027.31 10,026.62 15,072.56 12,052.38 10,700.89 11,609.06 8,245.62 6,209.23 5,632.09 8,394.62 7,045.15 12,432.32 10,313.79 25,209.60 30,629.13 19,340.45 24,262.18 23,191.16 277,977.23

20,003.65 26,583.08 37,610.40 47,637.01 62,709.57 74,761.95 85,462.83 97,071.89 105,317.51 111,526.74 117,158.83 125,553.45 132,598.60 145,030.92 155,344.71 180,554.31 211,183.44 230,523.89 254,786.07 277,977.23

7.20 7.20 2.37 9.56 3.97 13.53 3.61 17.14 5.42 22.56 4.34 26.89 3.85 30.74 4.18 34.92 2.97 37.89 2.23 40.12 2.03 42.15 3.02 45.17 2.53 47.70 4.47 52.17 3.71 55.88 9.07 64.95 11.02 75.97 6.96 82.93 8.73 91.66 8.34 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

368 22 102 100 117 138 73 98 41 47 43 52 55 83 41 208 236 209 323 376

25,230.68 155.18 7,750.19 2,306.56 3,147.34 1,797.32 4,837.56 5,842.16 2,909.13 2,571.53 1,336.77 2,976.72 7,795.43 1,292.28 1,182.44 34,798.52 95,490.68 36,847.38 32,475.62 112,369.23

2,732

368 390 492 592 709 847 920 1,018 1,059 1,106 1,149 1,201 1,256 1,339 1,380 1,588 1,824 2,033 2,356 2,732

13.47 13.47 0.81 14.28 3.73 18.01 3.66 21.67 4.28 25.95 5.05 31.00 2.67 33.67 3.59 37.26 1.50 38.76 1.72 40.48 1.57 42.06 1.90 43.96 2.01 45.97 3.04 49.01 1.50 50.51 7.61 58.13 8.64 66.76 7.65 74.41 11.82 86.24 13.76 100.00

383,112.72

25,230.68 25,385.87 33,136.06 35,442.62 38,589.95 40,387.28 45,224.84 51,067.00 53,976.13 56,547.65 57,884.42 60,861.13 68,656.57 69,948.84 71,131.28 105,929.80 201,420.49 238,267.87 270,743.49 383,112.72

6.59 6.59 0.04 6.63 2.02 8.65 0.60 9.25 0.82 10.07 0.47 10.54 1.26 11.80 1.52 13.33 0.76 14.09 0.67 14.76 0.35 15.11 0.78 15.89 2.03 17.92 0.34 18.26 0.31 18.57 9.08 27.65 24.92 52.57 9.62 62.19 8.48 70.67 29.33 100.00

126.13 2.36 70.28 23.00 20.88 14.91 45.21 50.32 35.28 41.41 23.73 35.46 110.65 10.39 11.46 138.04 311.76 190.52 133.85 484.53

126.13 95.50 88.10 74.40 61.54 54.02 52.92 52.61 51.25 50.70 49.41 48.47 51.78 48.23 45.79 58.67 95.38 103.36 106.26 137.82

137.82

Page 29 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,855 15,988 14,651 7,219 7,586 4,422 3,071 2,597 1,512 923 719 939 550 750 459 853 721 353 337 177 85,682

21,855 37,843 52,494 59,713 67,299 71,721 74,792 77,389 78,901 79,824 80,543 81,482 82,032 82,782 83,241 84,094 84,815 85,168 85,505 85,682

25.51 25.51 18.66 44.17 17.10 61.27 8.43 69.69 8.85 78.55 5.16 83.71 3.58 87.29 3.03 90.32 1.76 92.09 1.08 93.16 0.84 94.00 1.10 95.10 0.64 95.74 0.88 96.62 0.54 97.15 1.00 98.15 0.84 98.99 0.41 99.40 0.39 99.79 0.21 100.00

7,179.53 2,032.91 4,773.71 4,164.88 6,950.49 6,702.90 5,137.01 6,283.79 4,301.43 3,300.55 3,036.14 4,608.46 3,525.47 5,710.49 4,301.45 10,600.21 9,653.66 5,684.72 4,629.09 1,706.00 104,282.88

7,179.53 9,212.44 13,986.15 18,151.03 25,101.53 31,804.42 36,941.44 43,225.22 47,526.65 50,827.20 53,863.34 58,471.79 61,997.26 67,707.75 72,009.19 82,609.41 92,263.06 97,947.78 102,576.87 104,282.88

6.88 6.88 1.95 8.83 4.58 13.41 3.99 17.41 6.67 24.07 6.43 30.50 4.93 35.42 6.03 41.45 4.12 45.57 3.16 48.74 2.91 51.65 4.42 56.07 3.38 59.45 5.48 64.93 4.12 69.05 10.16 79.22 9.26 88.47 5.45 93.93 4.44 98.36 1.64 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

153 23 42 28 54 45 49 71 25 30 23 28 47 46 52 78 183 155 247 58

4,032.66 688.27 1,061.33 347.34 923.67 896.16 890.02 4,052.90 796.52 387.47 1,288.13 2,641.30 4,534.95 8,428.02 9,241.12 22,942.67 29,987.43 1,653.10 4,512.44 12,610.18

1,437

153 176 218 246 300 345 394 465 490 520 543 571 618 664 716 794 977 1,132 1,379 1,437

10.65 10.65 1.60 12.25 2.92 15.17 1.95 17.12 3.76 20.88 3.13 24.01 3.41 27.42 4.94 32.36 1.74 34.10 2.09 36.19 1.60 37.79 1.95 39.74 3.27 43.01 3.20 46.21 3.62 49.83 5.43 55.25 12.73 67.99 10.79 78.78 17.19 95.96 4.04 100.00

111,915.67

4,032.66 4,720.94 5,782.27 6,129.61 7,053.27 7,949.43 8,839.46 12,892.35 13,688.87 14,076.33 15,364.47 18,005.77 22,540.72 30,968.74 40,209.86 63,152.53 93,139.95 94,793.05 99,305.49 111,915.67

3.60 3.60 0.61 4.22 0.95 5.17 0.31 5.48 0.83 6.30 0.80 7.10 0.80 7.90 3.62 11.52 0.71 12.23 0.35 12.58 1.15 13.73 2.36 16.09 4.05 20.14 7.53 27.67 8.26 35.93 20.50 56.43 26.79 83.22 1.48 84.70 4.03 88.73 11.27 100.00

56.17 56.17 33.86 51.25 22.23 41.34 8.34 33.77 13.29 28.10 13.37 24.99 17.33 23.93 64.50 29.83 18.52 28.80 11.74 27.69 42.43 28.52 57.31 30.79 128.63 36.36 147.59 45.74 214.84 55.84 216.44 76.45 310.63 100.95 29.08 96.78 97.48 96.81 739.17 107.32 107.32

Page 30 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,164 1,886 1,995 1,204 1,196 711 566 374 229 162 116 106 79 108 65 112 95 31 17 8 11,224

2,164 4,050 6,045 7,249 8,445 9,156 9,722 10,096 10,325 10,487 10,603 10,709 10,788 10,896 10,961 11,073 11,168 11,199 11,216 11,224

19.28 19.28 16.80 36.08 17.77 53.86 10.73 64.58 10.66 75.24 6.33 81.58 5.04 86.62 3.33 89.95 2.04 91.99 1.44 93.43 1.03 94.47 0.94 95.41 0.70 96.12 0.96 97.08 0.58 97.66 1.00 98.65 0.85 99.50 0.28 99.78 0.15 99.93 0.07 100.00

674.25 258.04 566.45 553.37 896.33 761.38 1,313.88 714.73 527.60 529.00 389.43 505.36 379.13 674.57 469.54 1,019.22 1,875.81 551.15 368.31 92.49 13,120.03

674.25 932.29 1,498.74 2,052.11 2,948.44 3,709.82 5,023.70 5,738.42 6,266.03 6,795.03 7,184.45 7,689.81 8,068.94 8,743.50 9,213.04 10,232.26 12,108.07 12,659.22 13,027.54 13,120.03

5.14 5.14 1.97 7.11 4.32 11.42 4.22 15.64 6.83 22.47 5.80 28.28 10.01 38.29 5.45 43.74 4.02 47.76 4.03 51.79 2.97 54.76 3.85 58.61 2.89 61.50 5.14 66.64 3.58 70.22 7.77 77.99 14.30 92.29 4.20 96.49 2.81 99.30 0.70 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 0 5 2 8 14 15 15 0 0 4 0 0 3 0 2 2 3 13 4 102

12 12 17 19 27 41 56 71 71 71 75 75 75 78 78 80 82 85 98 102

11.76 11.76 0.00 11.76 4.90 16.67 1.96 18.63 7.84 26.47 13.73 40.20 14.71 54.90 14.71 69.61 0.00 69.61 0.00 69.61 3.92 73.53 0.00 73.53 0.00 73.53 2.94 76.47 0.00 76.47 1.96 78.43 1.96 80.39 2.94 83.33 12.75 96.08 3.92 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 278.85 0.00 65.55 2.15 17.76 99.85 186.64 1,624.26 0.00 0.00 3.26 0.00 0.00 677.35 0.00 335.11 74.23 843.33 142.27 0.73 4,351.33

278.85 278.85 344.40 346.55 364.31 464.16 650.80 2,275.06 2,275.06 2,275.06 2,278.31 2,278.31 2,278.31 2,955.66 2,955.66 3,290.77 3,365.00 4,208.33 4,350.60 4,351.33

6.41 6.41 41.36 0.00 6.41 0.00 1.51 7.91 11.57 0.05 7.96 0.39 0.41 8.37 1.98 2.29 10.67 13.11 4.29 14.96 14.21 37.33 52.28 227.26 0.00 52.28 0.00 0.00 52.28 0.00 0.07 52.36 0.84 0.00 52.36 0.00 0.00 52.36 0.00 15.57 67.93 100.41 0.00 67.93 0.00 7.70 75.63 32.88 1.71 77.33 3.96 19.38 96.71 153.01 3.27 99.98 38.63 0.02 100.00 0.79

41.36 29.91 22.98 16.89 12.36 12.51 12.95 39.65 36.31 33.48 31.71 29.63 28.24 33.80 32.08 32.16 27.79 33.24 33.40 33.17

33.17

Page 31 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 18,203 16,369 18,485 11,084 12,912 7,985 5,636 4,989 3,045 1,741 1,357 1,561 1,141 1,511 937 1,684 1,549 618 742 310 111,859

18,203 34,572 53,057 64,141 77,053 85,038 90,674 95,663 98,708 100,449 101,806 103,367 104,508 106,019 106,956 108,640 110,189 110,807 111,549 111,859

16.27 16.27 14.63 30.91 16.53 47.43 9.91 57.34 11.54 68.88 7.14 76.02 5.04 81.06 4.46 85.52 2.72 88.24 1.56 89.80 1.21 91.01 1.40 92.41 1.02 93.43 1.35 94.78 0.84 95.62 1.51 97.12 1.38 98.51 0.55 99.06 0.66 99.72 0.28 100.00

12,474.59 3,248.12 5,989.75 6,059.44 10,370.44 8,854.31 8,762.70 12,360.60 8,246.23 5,534.74 6,398.54 8,079.40 6,293.74 10,967.13 8,440.33 21,480.42 21,468.02 9,999.36 9,762.14 4,835.68 189,625.67

12,474.59 15,722.71 21,712.46 27,771.90 38,142.35 46,996.66 55,759.36 68,119.95 76,366.18 81,900.92 88,299.46 96,378.86 102,672.59 113,639.72 122,080.05 143,560.48 165,028.49 175,027.85 184,789.98 189,625.67

6.58 6.58 1.71 8.29 3.16 11.45 3.20 14.65 5.47 20.11 4.67 24.78 4.62 29.40 6.52 35.92 4.35 40.27 2.92 43.19 3.37 46.57 4.26 50.83 3.32 54.14 5.78 59.93 4.45 64.38 11.33 75.71 11.32 87.03 5.27 92.30 5.15 97.45 2.55 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

232 32 21 20 69 46 36 57 36 43 70 49 78 64 50 207 205 124 241 64

34,262.60 1,837.65 259.10 332.68 1,489.25 2,425.35 2,016.13 5,305.79 5,372.05 3,595.78 8,595.04 7,120.85 14,025.62 21,651.07 4,566.36 32,087.11 55,750.18 10,904.29 1,987.16 8,620.88

1,744

232 264 285 305 374 420 456 513 549 592 662 711 789 853 903 1,110 1,315 1,439 1,680 1,744

13.30 13.30 1.83 15.14 1.20 16.34 1.15 17.49 3.96 21.44 2.64 24.08 2.06 26.15 3.27 29.42 2.06 31.48 2.47 33.94 4.01 37.96 2.81 40.77 4.47 45.24 3.67 48.91 2.87 51.78 11.87 63.65 11.75 75.40 7.11 82.51 13.82 96.33 3.67 100.00

222,204.94

34,262.60 36,100.26 36,359.36 36,692.04 38,181.28 40,606.63 42,622.76 47,928.55 53,300.60 56,896.38 65,491.42 72,612.27 86,637.89 108,288.96 112,855.32 144,942.43 200,692.61 211,596.90 213,584.06 222,204.94

15.42 15.42 0.83 16.25 0.12 16.36 0.15 16.51 0.67 17.18 1.09 18.27 0.91 19.18 2.39 21.57 2.42 23.99 1.62 25.61 3.87 29.47 3.20 32.68 6.31 38.99 9.74 48.73 2.06 50.79 14.44 65.23 25.09 90.32 4.91 95.23 0.89 96.12 3.88 100.00

274.66 56.58 4.33 5.49 14.36 27.39 23.01 42.93 65.15 64.97 134.33 88.14 222.85 197.42 54.10 149.38 259.69 109.05 20.36 178.28

274.66 229.61 167.46 132.12 100.10 86.40 76.44 70.36 69.80 69.47 74.17 75.34 84.38 95.29 92.44 100.96 121.61 120.89 115.58 117.18

117.18

Page 32 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,323 8,119 8,060 2,832 2,304 835 550 368 188 123 93 96 56 80 33 92 69 46 39 4 29,310

5,323 13,442 21,502 24,334 26,638 27,473 28,023 28,391 28,579 28,702 28,795 28,891 28,947 29,027 29,060 29,152 29,221 29,267 29,306 29,310

18.16 18.16 27.70 45.86 27.50 73.36 9.66 83.02 7.86 90.88 2.85 93.73 1.88 95.61 1.26 96.86 0.64 97.51 0.42 97.93 0.32 98.24 0.33 98.57 0.19 98.76 0.27 99.03 0.11 99.15 0.31 99.46 0.24 99.70 0.16 99.85 0.13 99.99 0.01 100.00

2,953.88 4,033.22 7,924.39 4,512.30 5,280.53 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 40,700.35

2,953.88 6,987.10 14,911.49 19,423.79 24,704.32 27,313.43 29,422.76 31,019.42 32,004.77 32,633.45 33,343.28 34,137.59 34,606.43 35,501.56 35,880.77 38,071.05 39,117.44 39,356.30 40,643.19 40,700.35

7.26 7.26 9.91 17.17 19.47 36.64 11.09 47.72 12.97 60.70 6.41 67.11 5.18 72.29 3.92 76.21 2.42 78.64 1.54 80.18 1.74 81.92 1.95 83.88 1.15 85.03 2.20 87.23 0.93 88.16 5.38 93.54 2.57 96.11 0.59 96.70 3.16 99.86 0.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 38 55 22 16 13 6 4 4 3 0 7 2 3 0 0 9 3 4 0 213

24 62 117 139 155 168 174 178 182 185 185 192 194 197 197 197 206 209 213 213

11.27 11.27 17.84 29.11 25.82 54.93 10.33 65.26 7.51 72.77 6.10 78.87 2.82 81.69 1.88 83.57 1.88 85.45 1.41 86.85 0.00 86.85 3.29 90.14 0.94 91.08 1.41 92.49 0.00 92.49 0.00 92.49 4.23 96.71 1.41 98.12 1.88 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 329.93 1,991.93 2,989.71 1,763.38 1,686.36 2,200.48 847.16 1,371.86 1,463.39 1,899.39 0.00 4,351.16 130.80 632.24 0.00 0.00 351.56 972.45 4.24 0.00 22,986.03

329.93 2,321.86 5,311.57 7,074.96 8,761.31 10,961.80 11,808.96 13,180.82 14,644.21 16,543.59 16,543.59 20,894.75 21,025.55 21,657.79 21,657.79 21,657.79 22,009.35 22,981.79 22,986.03 22,986.03

1.44 1.44 8.67 10.10 13.01 23.11 7.67 30.78 7.34 38.12 9.57 47.69 3.69 51.37 5.97 57.34 6.37 63.71 8.26 71.97 0.00 71.97 18.93 90.90 0.57 91.47 2.75 94.22 0.00 94.22 0.00 94.22 1.53 95.75 4.23 99.98 0.02 100.00 0.00 100.00

11.17 49.39 37.73 39.08 31.94 84.34 40.16 85.92 148.51 302.12 0.00 547.79 27.90 70.63 0.00 0.00 33.60 407.11 0.33 0.00

11.17 33.23 35.62 36.42 35.46 40.13 40.14 42.49 45.76 50.70 49.62 61.21 60.76 61.01 60.36 56.89 56.26 58.39 56.56 56.48

56.48

Page 33 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

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

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

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 52 4 2 2 2 2 1 2 7 0 0 0 0 0 11 10 29 17 13 18 172

52 56 58 60 62 64 65 67 74 74 74 74 74 74 85 95 124 141 154 172

30.23 30.23 2.33 32.56 1.16 33.72 1.16 34.88 1.16 36.05 1.16 37.21 0.58 37.79 1.16 38.95 4.07 43.02 0.00 43.02 0.00 43.02 0.00 43.02 0.00 43.02 0.00 43.02 6.40 49.42 5.81 55.23 16.86 72.09 9.88 81.98 7.56 89.53 10.47 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 542.93 130.28 60.85 103.23 0.00 36.00 0.00 3.82 110.98 0.00 0.00 0.00 0.00 0.00 211.39 342.35 358.81 1,289.60 48.59 9,992.72 13,231.54

542.93 673.21 734.06 837.28 837.28 873.28 873.28 877.10 988.08 988.08 988.08 988.08 988.08 988.08 1,199.47 1,541.82 1,900.63 3,190.23 3,238.82 13,231.54

4.10 4.10 0.98 5.09 0.46 5.55 0.78 6.33 0.00 6.33 0.27 6.60 0.00 6.60 0.03 6.63 0.84 7.47 0.00 7.47 0.00 7.47 0.00 7.47 0.00 7.47 0.00 7.47 1.60 9.07 2.59 11.65 2.71 14.36 9.75 24.11 0.37 24.48 75.52 100.00

: : :

01/01/2008 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 91.58 19.51 5.78 13.98 0.00 4.41 0.00 0.52 22.07 0.00 0.00 0.00 0.00 0.00 92.73 45.16 50.44 200.76 9.48 9,787.21

91.58 53.41 31.73 27.44 19.29 16.93 15.13 13.49 14.11 13.63 13.32 12.87 12.63 12.02 14.19 16.74 19.16 30.20 29.24 118.38

118.38

Page 34 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,724 2,774 3,283 1,658 1,563 863 480 426 209 148 98 131 64 97 74 102 63 66 63 30 14,916

2,724 5,498 8,781 10,439 12,002 12,865 13,345 13,771 13,980 14,128 14,226 14,357 14,421 14,518 14,592 14,694 14,757 14,823 14,886 14,916

18.26 18.26 18.60 36.86 22.01 58.87 11.12 69.99 10.48 80.46 5.79 86.25 3.22 89.47 2.86 92.32 1.40 93.72 0.99 94.72 0.66 95.37 0.88 96.25 0.43 96.68 0.65 97.33 0.50 97.83 0.68 98.51 0.42 98.93 0.44 99.38 0.42 99.80 0.20 100.00

1,146.86 785.12 1,431.73 1,102.01 1,717.98 1,398.38 1,065.99 1,167.89 841.96 747.40 458.49 733.99 438.05 1,261.99 563.77 1,599.34 1,160.31 601.15 1,052.98 416.60 19,691.98

1,146.86 1,931.98 3,363.71 4,465.72 6,183.69 7,582.08 8,648.07 9,815.96 10,657.92 11,405.32 11,863.81 12,597.79 13,035.84 14,297.83 14,861.60 16,460.94 17,621.25 18,222.40 19,275.38 19,691.98

5.82 5.82 3.99 9.81 7.27 17.08 5.60 22.68 8.72 31.40 7.10 38.50 5.41 43.92 5.93 49.85 4.28 54.12 3.80 57.92 2.33 60.25 3.73 63.97 2.22 66.20 6.41 72.61 2.86 75.47 8.12 83.59 5.89 89.48 3.05 92.54 5.35 97.88 2.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 14 20 12 0 9 3 2 6 0 0 7 2 2 0 6 2 8 10 25 0 128

14 34 46 46 55 58 60 66 66 66 73 75 77 77 83 85 93 103 128 128

10.94 10.94 15.63 26.56 9.38 35.94 0.00 35.94 7.03 42.97 2.34 45.31 1.56 46.88 4.69 51.56 0.00 51.56 0.00 51.56 5.47 57.03 1.56 58.59 1.56 60.16 0.00 60.16 4.69 64.84 1.56 66.41 6.25 72.66 7.81 80.47 19.53 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 281.43 320.00 704.44 0.00 431.71 199.90 (10.00) 32.34 0.00 0.00 124.06 9.14 4,636.60 0.00 131.38 21.36 237.66 395.38 1,729.08 0.00 9,244.48

281.43 601.43 1,305.87 1,305.87 1,737.58 1,937.48 1,927.48 1,959.82 1,959.82 1,959.82 2,083.88 2,093.02 6,729.62 6,729.62 6,861.01 6,882.36 7,120.02 7,515.40 9,244.48 9,244.48

3.04 3.04 3.46 6.51 7.62 14.13 0.00 14.13 4.67 18.80 2.16 20.96 (0.11) 20.85 0.35 21.20 0.00 21.20 0.00 21.20 1.34 22.54 0.10 22.64 50.16 72.80 0.00 72.80 1.42 74.22 0.23 74.45 2.57 77.02 4.28 81.30 18.70 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 24.54 40.76 49.20 0.00 25.13 14.30 (0.94) 2.77 0.00 0.00 27.06 1.25 1,058.46 0.00 23.30 1.34 20.48 65.77 164.21 0.00

24.54 31.13 38.82 29.24 28.10 25.55 22.29 19.97 18.39 17.18 17.57 16.61 51.62 47.07 46.17 41.81 40.41 41.24 47.96 46.95

46.95

Page 35 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,964 3,111 4,463 2,926 3,448 1,741 1,284 942 514 226 193 221 137 197 103 168 140 67 76 61 22,982

2,964 6,075 10,538 13,464 16,912 18,653 19,937 20,879 21,393 21,619 21,812 22,033 22,170 22,367 22,470 22,638 22,778 22,845 22,921 22,982

12.90 12.90 13.54 26.43 19.42 45.85 12.73 58.58 15.00 73.59 7.58 81.16 5.59 86.75 4.10 90.85 2.24 93.09 0.98 94.07 0.84 94.91 0.96 95.87 0.60 96.47 0.86 97.32 0.45 97.77 0.73 98.50 0.61 99.11 0.29 99.40 0.33 99.73 0.27 100.00

2,475.10 1,194.39 2,395.54 2,595.22 4,374.65 3,798.11 4,097.81 3,586.26 2,799.29 1,114.17 1,213.16 1,577.90 1,303.31 1,812.08 1,155.85 3,523.06 3,108.76 1,929.19 4,641.83 12,214.25 60,909.92

2,475.10 3,669.50 6,065.03 8,660.25 13,034.90 16,833.00 20,930.81 24,517.07 27,316.36 28,430.53 29,643.69 31,221.60 32,524.91 34,336.99 35,492.83 39,015.89 42,124.65 44,053.84 48,695.67 60,909.92

4.06 4.06 1.96 6.02 3.93 9.96 4.26 14.22 7.18 21.40 6.24 27.64 6.73 34.36 5.89 40.25 4.60 44.85 1.83 46.68 1.99 48.67 2.59 51.26 2.14 53.40 2.98 56.37 1.90 58.27 5.78 64.06 5.10 69.16 3.17 72.33 7.62 79.95 20.05 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 38 12 16 14 14 25 12 6 14 2 0 0 2 2 4 17 25 3 36 18 260

38 50 66 80 94 119 131 137 151 153 153 153 155 157 161 178 203 206 242 260

14.62 14.62 4.62 19.23 6.15 25.38 5.38 30.77 5.38 36.15 9.62 45.77 4.62 50.38 2.31 52.69 5.38 58.08 0.77 58.85 0.00 58.85 0.00 58.85 0.77 59.62 0.77 60.38 1.54 61.92 6.54 68.46 9.62 78.08 1.15 79.23 13.85 93.08 6.92 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 777.79 110.96 517.51 571.97 279.32 1,970.34 239.59 282.90 168.12 12.03 0.00 0.00 250.06 1.01 34.19 714.77 357.05 141.07 1,258.13 1,676.52 9,363.31

777.79 888.75 1,406.26 1,978.23 2,257.55 4,227.89 4,467.47 4,750.37 4,918.49 4,930.51 4,930.51 4,930.51 5,180.57 5,181.58 5,215.77 5,930.54 6,287.59 6,428.66 7,686.79 9,363.31

8.31 8.31 1.19 9.49 5.53 15.02 6.11 21.13 2.98 24.11 21.04 45.15 2.56 47.71 3.02 50.73 1.80 52.53 0.13 52.66 0.00 52.66 0.00 52.66 2.67 55.33 0.01 55.34 0.37 55.70 7.63 63.34 3.81 67.15 1.51 68.66 13.44 82.09 17.91 100.00

31.42 9.29 21.60 22.04 6.38 51.88 5.85 7.89 6.01 1.08 0.00 0.00 19.19 0.06 2.96 20.29 11.49 7.31 27.10 13.73

31.42 24.22 23.19 22.84 17.32 25.12 21.34 19.38 18.01 17.34 16.63 15.79 15.93 15.09 14.70 15.20 14.93 14.59 15.79 15.37

15.37

Page 36 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,379 1,562 2,314 1,342 1,468 863 649 604 311 165 121 159 72 137 85 70 59 21 32 7 11,420

1,379 2,941 5,255 6,597 8,065 8,928 9,577 10,181 10,492 10,657 10,778 10,937 11,009 11,146 11,231 11,301 11,360 11,381 11,413 11,420

12.08 12.08 13.68 25.75 20.26 46.02 11.75 57.77 12.85 70.62 7.56 78.18 5.68 83.86 5.29 89.15 2.72 91.87 1.44 93.32 1.06 94.38 1.39 95.77 0.63 96.40 1.20 97.60 0.74 98.35 0.61 98.96 0.52 99.47 0.18 99.66 0.28 99.94 0.06 100.00

621.28 372.80 908.34 808.60 1,440.63 1,250.05 1,363.44 1,880.40 1,423.51 842.19 659.87 928.24 506.23 1,168.00 833.22 806.47 897.59 167.38 151.39 84.61 17,114.23

621.28 994.08 1,902.42 2,711.01 4,151.64 5,401.69 6,765.13 8,645.53 10,069.04 10,911.23 11,571.11 12,499.34 13,005.57 14,173.57 15,006.79 15,813.26 16,710.86 16,878.23 17,029.63 17,114.23

3.63 3.63 2.18 5.81 5.31 11.12 4.72 15.84 8.42 24.26 7.30 31.56 7.97 39.53 10.99 50.52 8.32 58.83 4.92 63.76 3.86 67.61 5.42 73.03 2.96 75.99 6.82 82.82 4.87 87.69 4.71 92.40 5.24 97.64 0.98 98.62 0.88 99.51 0.49 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 2 8 4 9 4 8 4 0 2 2 5 3 0 2 6 6 8 0 0 83

10 12 20 24 33 37 45 49 49 51 53 58 61 61 63 69 75 83 83 83

12.05 12.05 2.41 14.46 9.64 24.10 4.82 28.92 10.84 39.76 4.82 44.58 9.64 54.22 4.82 59.04 0.00 59.04 2.41 61.45 2.41 63.86 6.02 69.88 3.61 73.49 0.00 73.49 2.41 75.90 7.23 83.13 7.23 90.36 9.64 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,608.49 53.80 149.33 323.70 761.68 166.87 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 8,507.07

1,608.49 1,662.29 1,811.62 2,135.31 2,896.99 3,063.86 3,065.25 3,808.33 3,808.33 3,999.96 4,761.76 4,845.62 5,013.22 5,013.22 6,304.24 7,962.34 8,034.68 8,507.07 8,507.07 8,507.07

18.91 18.91 0.63 19.54 1.76 21.30 3.81 25.10 8.95 34.05 1.96 36.02 0.02 36.03 8.73 44.77 0.00 44.77 2.25 47.02 8.95 55.97 0.99 56.96 1.97 58.93 0.00 58.93 15.18 74.11 19.49 93.60 0.85 94.45 5.55 100.00 0.00 100.00 0.00 100.00

258.90 258.90 14.43 167.22 16.44 95.23 40.03 78.76 52.87 69.78 13.35 56.72 0.10 45.31 39.52 44.05 0.00 37.82 22.75 36.66 115.45 41.15 9.03 38.77 33.11 38.55 0.00 35.37 154.94 42.01 205.60 50.35 8.06 48.08 282.23 50.40 0.00 49.95 0.00 49.71 49.71

Page 37 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,497 1,037 1,175 724 772 413 269 280 141 77 61 64 33 58 36 31 35 14 14 1 6,732

1,497 2,534 3,709 4,433 5,205 5,618 5,887 6,167 6,308 6,385 6,446 6,510 6,543 6,601 6,637 6,668 6,703 6,717 6,731 6,732

22.24 22.24 15.40 37.64 17.45 55.10 10.75 65.85 11.47 77.32 6.13 83.45 4.00 87.45 4.16 91.61 2.09 93.70 1.14 94.85 0.91 95.75 0.95 96.70 0.49 97.19 0.86 98.05 0.53 98.59 0.46 99.05 0.52 99.57 0.21 99.78 0.21 99.99 0.01 100.00

308.70 341.97 645.69 660.82 1,163.43 969.88 894.27 1,249.95 942.56 449.75 368.25 465.65 393.86 519.72 427.98 901.54 338.00 168.05 126.20 2.03 11,338.30

308.70 650.67 1,296.36 1,957.18 3,120.61 4,090.49 4,984.76 6,234.71 7,177.26 7,627.02 7,995.27 8,460.92 8,854.78 9,374.50 9,802.47 10,704.01 11,042.01 11,210.06 11,336.26 11,338.30

2.72 2.72 3.02 5.74 5.69 11.43 5.83 17.26 10.26 27.52 8.55 36.08 7.89 43.96 11.02 54.99 8.31 63.30 3.97 67.27 3.25 70.52 4.11 74.62 3.47 78.10 4.58 82.68 3.77 86.45 7.95 94.41 2.98 97.39 1.48 98.87 1.11 99.98 0.02 100.00

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

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

0.00 0.00 0.00 0.00 0.00 0.00 35.71 35.71 14.29 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 28.57 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 21.43 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 103.16 137.30 0.00 0.00 0.00 0.00 0.00 0.00 74.31 0.00 0.00 0.00 0.00 0.00 0.00 1,058.05 0.00 1,372.82

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.51 7.51 15.61 10.00 17.52 11.80 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 5.41 22.93 15.96 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 77.07 100.00 838.38 0.00 100.00 0.00

0.00 0.00 0.00 5.27 7.71 5.88 4.82 3.86 3.35 3.15 3.01 3.72 3.55 3.36 3.21 2.94 2.85 2.81 12.11 12.11

12.11

Page 38 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,052 5,581 6,276 3,489 3,440 1,778 1,062 934 471 292 225 237 178 209 147 162 125 58 68 22 29,806

5,052 10,633 16,909 20,398 23,838 25,616 26,678 27,612 28,083 28,375 28,600 28,837 29,015 29,224 29,371 29,533 29,658 29,716 29,784 29,806

16.95 16.95 18.72 35.67 21.06 56.73 11.71 68.44 11.54 79.98 5.97 85.94 3.56 89.51 3.13 92.64 1.58 94.22 0.98 95.20 0.75 95.95 0.80 96.75 0.60 97.35 0.70 98.05 0.49 98.54 0.54 99.08 0.42 99.50 0.19 99.70 0.23 99.93 0.07 100.00

1,478.24 1,267.97 2,736.17 2,876.21 4,908.73 3,335.73 2,423.85 2,893.43 1,916.58 1,280.98 1,301.47 1,422.50 1,186.13 1,421.07 1,299.21 2,079.29 1,860.25 1,520.37 1,245.30 2,298.65 40,752.11

1,478.24 2,746.21 5,482.38 8,358.59 13,267.32 16,603.05 19,026.89 21,920.32 23,836.91 25,117.89 26,419.36 27,841.85 29,027.98 30,449.05 31,748.26 33,827.55 35,687.79 37,208.16 38,453.46 40,752.11

3.63 3.63 3.11 6.74 6.71 13.45 7.06 20.51 12.05 32.56 8.19 40.74 5.95 46.69 7.10 53.79 4.70 58.49 3.14 61.64 3.19 64.83 3.49 68.32 2.91 71.23 3.49 74.72 3.19 77.91 5.10 83.01 4.56 87.57 3.73 91.30 3.06 94.36 5.64 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 39 15 11 10 7 12 2 8 2 9 4 0 2 3 9 2 4 12 17 12 180

39 54 65 75 82 94 96 104 106 115 119 119 121 124 133 135 139 151 168 180

21.67 21.67 8.33 30.00 6.11 36.11 5.56 41.67 3.89 45.56 6.67 52.22 1.11 53.33 4.44 57.78 1.11 58.89 5.00 63.89 2.22 66.11 0.00 66.11 1.11 67.22 1.67 68.89 5.00 73.89 1.11 75.00 2.22 77.22 6.67 83.89 9.44 93.33 6.67 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,642.33 264.98 167.03 469.95 250.67 256.99 78.18 56.15 0.91 276.69 70.54 0.00 3,819.54 18.03 2,340.64 100.42 83.42 205.25 1,781.35 1,918.61 14,801.68

2,642.33 2,907.31 3,074.34 3,544.29 3,794.96 4,051.95 4,130.13 4,186.28 4,187.20 4,463.88 4,534.42 4,534.42 8,353.96 8,371.99 10,712.64 10,813.05 10,896.47 11,101.72 12,883.07 14,801.68

17.85 17.85 1.79 19.64 1.13 20.77 3.17 23.95 1.69 25.64 1.74 27.37 0.53 27.90 0.38 28.28 0.01 28.29 1.87 30.16 0.48 30.63 0.00 30.63 25.80 56.44 0.12 56.56 15.81 72.37 0.68 73.05 0.56 73.62 1.39 75.00 12.03 87.04 12.96 100.00

178.75 178.75 20.90 105.87 6.10 56.08 16.34 42.40 5.11 28.60 7.70 24.40 3.23 21.71 1.94 19.10 0.05 17.57 21.60 17.77 5.42 17.16 0.00 16.29 322.02 28.78 1.27 27.50 180.16 33.74 4.83 31.97 4.48 30.53 13.50 29.84 143.05 33.50 83.47 36.32 36.32

Page 39 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 690 824 1,011 583 602 328 216 183 79 37 15 29 32 24 3 22 14 3 1 2 4,698

690 1,514 2,525 3,108 3,710 4,038 4,254 4,437 4,516 4,553 4,568 4,597 4,629 4,653 4,656 4,678 4,692 4,695 4,696 4,698

14.69 14.69 17.54 32.23 21.52 53.75 12.41 66.16 12.81 78.97 6.98 85.95 4.60 90.55 3.90 94.44 1.68 96.13 0.79 96.91 0.32 97.23 0.62 97.85 0.68 98.53 0.51 99.04 0.06 99.11 0.47 99.57 0.30 99.87 0.06 99.94 0.02 99.96 0.04 100.00

150.32 162.23 401.94 472.41 875.15 708.04 603.91 651.82 390.29 162.89 98.14 244.15 169.45 119.46 43.94 143.81 271.97 49.60 1.27 75.10 5,795.91

150.32 312.55 714.50 1,186.91 2,062.06 2,770.10 3,374.01 4,025.83 4,416.12 4,579.01 4,677.15 4,921.30 5,090.75 5,210.21 5,254.16 5,397.97 5,669.94 5,719.54 5,720.81 5,795.91

2.59 2.59 2.80 5.39 6.93 12.33 8.15 20.48 15.10 35.58 12.22 47.79 10.42 58.21 11.25 69.46 6.73 76.19 2.81 79.00 1.69 80.70 4.21 84.91 2.92 87.83 2.06 89.89 0.76 90.65 2.48 93.13 4.69 97.83 0.86 98.68 0.02 98.70 1.30 100.00

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

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

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 153.23 306.60 179.05 8.88 0.00 106.33 0.00 0.00 445.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,199.69

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

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

0.00 0.00 12.77 94.45 38.33 76.28 53.25 37.90 53.99 1.02 53.99 0.00 62.86 17.61 62.86 0.00 62.86 0.00 100.00 273.55 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 49.02 64.36 53.83 31.41 23.38 22.35 18.73 17.08 26.20 25.65 24.38 23.57 23.03 22.83 22.22 21.16 20.98 20.97 20.70

20.70

Page 40 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,615 3,028 3,509 2,465 2,797 1,739 1,578 1,390 934 522 389 466 263 358 181 308 211 74 80 47 23,954

3,615 6,643 10,152 12,617 15,414 17,153 18,731 20,121 21,055 21,577 21,966 22,432 22,695 23,053 23,234 23,542 23,753 23,827 23,907 23,954

15.09 15.09 12.64 27.73 14.65 42.38 10.29 52.67 11.68 64.35 7.26 71.61 6.59 78.20 5.80 84.00 3.90 87.90 2.18 90.08 1.62 91.70 1.95 93.65 1.10 94.74 1.49 96.24 0.76 96.99 1.29 98.28 0.88 99.16 0.31 99.47 0.33 99.80 0.20 100.00

2,092.14 716.85 1,151.10 1,339.18 2,507.10 4,998.07 2,847.06 3,108.46 2,646.01 1,863.08 1,486.19 2,388.02 1,575.91 2,665.30 1,736.25 3,564.40 2,667.25 1,038.73 1,095.19 1,541.05 43,027.33

2,092.14 2,808.99 3,960.09 5,299.27 7,806.38 12,804.44 15,651.50 18,759.96 21,405.97 23,269.05 24,755.24 27,143.25 28,719.16 31,384.45 33,120.71 36,685.11 39,352.36 40,391.09 41,486.28 43,027.33

4.86 4.86 1.67 6.53 2.68 9.20 3.11 12.32 5.83 18.14 11.62 29.76 6.62 36.38 7.22 43.60 6.15 49.75 4.33 54.08 3.45 57.53 5.55 63.08 3.66 66.75 6.19 72.94 4.04 76.98 8.28 85.26 6.20 91.46 2.41 93.87 2.55 96.42 3.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 29 3 6 13 7 10 36 21 56 22 7 32 6 16 0 40 31 28 37 46 446

29 32 38 51 58 68 104 125 181 203 210 242 248 264 264 304 335 363 400 446

6.50 6.50 0.67 7.17 1.35 8.52 2.91 11.43 1.57 13.00 2.24 15.25 8.07 23.32 4.71 28.03 12.56 40.58 4.93 45.52 1.57 47.09 7.17 54.26 1.35 55.61 3.59 59.19 0.00 59.19 8.97 68.16 6.95 75.11 6.28 81.39 8.30 89.69 10.31 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 620.51 0.00 91.93 173.00 396.79 785.49 1,464.43 310.65 755.34 266.62 43.49 502.29 40.18 49.24 0.00 1,585.74 356.29 1,048.81 1,422.80 1,028.33 10,941.93

620.51 620.51 712.44 885.44 1,282.23 2,067.72 3,532.14 3,842.79 4,598.13 4,864.75 4,908.24 5,410.54 5,450.72 5,499.96 5,499.96 7,085.70 7,441.99 8,490.80 9,913.60 10,941.93

5.67 5.67 29.66 0.00 5.67 0.00 0.84 6.51 7.99 1.58 8.09 12.92 3.63 11.72 15.83 7.18 18.90 15.72 13.38 32.28 51.44 2.84 35.12 9.99 6.90 42.02 28.55 2.44 44.46 14.31 0.40 44.86 2.93 4.59 49.45 21.03 0.37 49.81 2.55 0.45 50.26 1.85 0.00 50.26 0.00 14.49 64.76 44.49 3.26 68.01 13.36 9.59 77.60 100.97 13.00 90.60 129.91 9.40 100.00 66.73

29.66 22.09 17.99 16.71 16.43 16.15 22.57 20.48 21.48 20.91 19.83 19.93 18.98 17.52 16.61 19.31 18.91 21.02 23.90 25.43

25.43

Page 41 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,113 1,338 1,442 756 663 376 223 199 103 44 51 53 41 40 14 31 10 10 7 2

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

6,516

1,113 2,451 3,893 4,649 5,312 5,688 5,911 6,110 6,213 6,257 6,308 6,361 6,402 6,442 6,456 6,487 6,497 6,507 6,514 6,516

17.08 17.08 20.53 37.62 22.13 59.75 11.60 71.35 10.17 81.52 5.77 87.29 3.42 90.72 3.05 93.77 1.58 95.35 0.68 96.03 0.78 96.81 0.81 97.62 0.63 98.25 0.61 98.86 0.21 99.08 0.48 99.55 0.15 99.71 0.15 99.86 0.11 99.97 0.03 100.00

299.71 363.45 707.23 619.35 868.61 730.63 617.18 538.80 391.14 184.47 307.35 329.72 394.95 385.05 122.51 902.36 100.50 86.83 74.83 20.21 8,044.88

299.71 663.16 1,370.39 1,989.74 2,858.35 3,588.99 4,206.17 4,744.97 5,136.11 5,320.58 5,627.92 5,957.64 6,352.59 6,737.65 6,860.16 7,762.51 7,863.02 7,949.85 8,024.68 8,044.88

3.73 3.73 4.52 8.24 8.79 17.03 7.70 24.73 10.80 35.53 9.08 44.61 7.67 52.28 6.70 58.98 4.86 63.84 2.29 66.14 3.82 69.96 4.10 74.06 4.91 78.96 4.79 83.75 1.52 85.27 11.22 96.49 1.25 97.74 1.08 98.82 0.93 99.75 0.25 100.00

228

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

0.00 0.00 0.00 0.41 0.41 2.08 4.97 5.38 13.05 3.00 8.38 9.00 9.30 17.68 19.89 1.36 19.04 3.46 0.79 19.83 2.38 0.00 19.83 0.00 2.65 22.48 12.59 0.00 22.48 0.00 0.00 22.48 0.00 0.00 22.48 0.00 0.00 22.48 0.00 0.00 22.48 0.00 13.37 35.86 202.72 61.30 97.16 126.15 1.07 98.23 19.69 1.77 100.00 37.89 0.00 100.00 0.00 0.00 100.00 0.00

0.00 1.14 7.28 7.82 11.48 9.85 8.76 7.76 8.13 7.85 7.42 7.01 6.57 6.20 9.71 23.24 23.20 23.36 23.14 23.08

23.08

Page 42 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

154.59 243.38 531.14 537.94 1,058.08 1,009.95 818.62 852.71 624.76 345.46 219.18 329.33 156.47 187.14 43.58 89.50 218.40 391.08 (1.39) (0.53) 7,809.37

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

1.98 1.98 3.12 5.10 6.80 11.90 6.89 18.79 13.55 32.33 12.93 45.27 10.48 55.75 10.92 66.67 8.00 74.67 4.42 79.09 2.81 81.90 4.22 86.12 2.00 88.12 2.40 90.52 0.56 91.07 1.15 92.22 2.80 95.02 5.01 100.02 (0.02) 100.01 (0.01) 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 0 1 0 0 2 0 2 0 0 0 0 2 0 0 3 0 0 12

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

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

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

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

2.83

Page 43 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

53.57 82.80 183.31 162.20 387.63 268.46 382.38 443.73 237.61 151.24 148.36 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 1.60 2.47 4.06 5.46 9.53 4.83 14.36 11.55 25.91 8.00 33.92 11.40 45.31 13.22 58.54 7.08 65.62 4.51 70.12 4.42 74.55 2.74 77.29 5.25 82.54 5.49 88.03 2.94 90.98 5.56 96.53 2.70 99.23 0.34 99.57 0.03 99.60 0.40 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

: : :

01/01/2008 15/06/2012 15/11/2012

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 44 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 704 642 974 700 758 443 306 261 157 88 63 79 39 60 25 31 28 5 9 0 5,372

704 1,346 2,320 3,020 3,778 4,221 4,527 4,788 4,945 5,033 5,096 5,175 5,214 5,274 5,299 5,330 5,358 5,363 5,372 5,372

13.10 13.10 11.95 25.06 18.13 43.19 13.03 56.22 14.11 70.33 8.25 78.57 5.70 84.27 4.86 89.13 2.92 92.05 1.64 93.69 1.17 94.86 1.47 96.33 0.73 97.06 1.12 98.18 0.47 98.64 0.58 99.22 0.52 99.74 0.09 99.83 0.17 100.00 0.00 100.00

257.90 170.59 435.72 606.64 1,104.13 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 11,390.77

257.90 428.49 864.20 1,470.85 2,574.98 3,709.52 4,827.79 6,155.87 7,111.98 7,772.18 8,252.96 8,891.34 9,395.07 10,128.90 10,570.35 10,872.85 11,125.51 11,224.05 11,390.77 11,390.77

2.26 2.26 1.50 3.76 3.83 7.59 5.33 12.91 9.69 22.61 9.96 32.57 9.82 42.38 11.66 54.04 8.39 62.44 5.80 68.23 4.22 72.45 5.60 78.06 4.42 82.48 6.44 88.92 3.88 92.80 2.66 95.45 2.22 97.67 0.87 98.54 1.46 100.00 0.00 100.00

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

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

65.59 65.59 772.77 772.77 1.67 67.26 29.73 476.95 4.96 72.23 34.61 253.93 7.83 80.05 39.20 165.36 16.87 96.92 46.41 114.36 0.00 96.92 0.00 79.38 0.00 96.92 0.00 61.00 0.00 96.92 0.00 47.84 0.00 96.92 0.00 41.41 0.00 96.92 0.00 37.89 0.00 96.92 0.00 35.68 0.75 97.67 3.55 33.37 0.00 97.67 0.00 31.58 0.00 97.67 0.00 29.30 0.00 97.67 0.00 28.07 0.00 97.67 0.00 27.29 0.00 97.67 0.00 26.67 2.33 100.00 71.99 27.07 0.00 100.00 0.00 26.67 0.00 100.00 0.00 26.67 26.67

Page 45 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

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

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

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

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64 100.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.79 0.69 0.67 0.63 0.59 0.55 0.53 0.52 0.52 0.52 0.47 0.47

0.47

Page 46 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 296 344 505 232 234 152 109 60 66 22 24 20 14 18 11 14 7 3 1 3 2,135

296 640 1,145 1,377 1,611 1,763 1,872 1,932 1,998 2,020 2,044 2,064 2,078 2,096 2,107 2,121 2,128 2,131 2,132 2,135

13.86 13.86 16.11 29.98 23.65 53.63 10.87 64.50 10.96 75.46 7.12 82.58 5.11 87.68 2.81 90.49 3.09 93.58 1.03 94.61 1.12 95.74 0.94 96.67 0.66 97.33 0.84 98.17 0.52 98.69 0.66 99.34 0.33 99.67 0.14 99.81 0.05 99.86 0.14 100.00

152.16 57.72 163.30 147.79 317.56 382.13 344.88 265.17 319.01 142.68 197.11 155.50 146.06 118.74 151.66 279.14 123.97 42.00 2.68 4.32 3,513.56

152.16 209.88 373.17 520.96 838.52 1,220.65 1,565.53 1,830.70 2,149.71 2,292.39 2,489.50 2,645.00 2,791.06 2,909.79 3,061.45 3,340.59 3,464.56 3,506.56 3,509.24 3,513.56

4.33 4.33 1.64 5.97 4.65 10.62 4.21 14.83 9.04 23.87 10.88 34.74 9.82 44.56 7.55 52.10 9.08 61.18 4.06 65.24 5.61 70.85 4.43 75.28 4.16 79.44 3.38 82.82 4.32 87.13 7.94 95.08 3.53 98.61 1.20 99.80 0.08 99.88 0.12 100.00

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

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

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

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

0.00 0.00 5.91 173.26 6.43 5.35 6.43 0.00 11.45 26.78 11.45 0.00 11.45 0.00 11.45 0.00 11.45 0.00 17.53 72.04 17.53 0.00 24.23 72.91 24.23 0.00 24.23 0.00 24.23 0.00 69.13 272.23 100.00 421.28 100.00 0.00 100.00 0.00 100.00 0.00

0.00 47.65 29.14 20.87 23.11 15.87 12.38 10.58 9.01 12.94 11.91 15.50 14.69 14.09 13.39 35.02 48.84 48.25 48.22 48.16

48.16

Page 47 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7,136 7,772 10,761 7,247 7,580 3,710 2,301 1,864 1,116 680 618 715 565 779 504 897 831 391 557 180 56,204

7,136 14,908 25,669 32,916 40,496 44,206 46,507 48,371 49,487 50,167 50,785 51,500 52,065 52,844 53,348 54,245 55,076 55,467 56,024 56,204

12.70 12.70 13.83 26.52 19.15 45.67 12.89 58.57 13.49 72.05 6.60 78.65 4.09 82.75 3.32 86.06 1.99 88.05 1.21 89.26 1.10 90.36 1.27 91.63 1.01 92.64 1.39 94.02 0.90 94.92 1.60 96.51 1.48 97.99 0.70 98.69 0.99 99.68 0.32 100.00

8,531.65 1,704.44 3,488.93 4,080.75 5,656.90 4,328.42 3,726.00 4,178.92 3,516.28 2,544.88 2,584.31 3,701.84 3,517.86 5,933.16 5,066.66 11,071.19 14,804.18 6,516.91 4,673.64 5,072.68 104,699.59

8,531.65 10,236.09 13,725.02 17,805.77 23,462.67 27,791.09 31,517.09 35,696.01 39,212.29 41,757.17 44,341.48 48,043.31 51,561.17 57,494.33 62,560.99 73,632.18 88,436.37 94,953.28 99,626.91 104,699.59

8.15 8.15 1.63 9.78 3.33 13.11 3.90 17.01 5.40 22.41 4.13 26.54 3.56 30.10 3.99 34.09 3.36 37.45 2.43 39.88 2.47 42.35 3.54 45.89 3.36 49.25 5.67 54.91 4.84 59.75 10.57 70.33 14.14 84.47 6.22 90.69 4.46 95.16 4.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 79 23 31 26 40 36 35 29 12 17 23 20 14 44 30 88 92 64 64 73 840

79 102 133 159 199 235 270 299 311 328 351 371 385 429 459 547 639 703 767 840

9.40 9.40 2.74 12.14 3.69 15.83 3.10 18.93 4.76 23.69 4.29 27.98 4.17 32.14 3.45 35.60 1.43 37.02 2.02 39.05 2.74 41.79 2.38 44.17 1.67 45.83 5.24 51.07 3.57 54.64 10.48 65.12 10.95 76.07 7.62 83.69 7.62 91.31 8.69 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

6,080.82 429.45 345.16 724.75 9,381.56 720.86 3,882.38 555.38 1,495.84 524.73 635.33 1,510.99 855.69 3,281.73 1,318.37 25,745.70 473.99 8,006.59 3,571.87 78,526.39

71.27 25.20 9.89 17.76 165.84 16.65 104.20 13.29 42.54 20.62 24.58 40.82 24.32 55.31 26.02 232.55 3.20 122.86 76.43 1,548.03

148,067.56

6,080.82 6,510.26 6,855.42 7,580.17 16,961.73 17,682.59 21,564.96 22,120.34 23,616.18 24,140.91 24,776.24 26,287.23 27,142.92 30,424.65 31,743.02 57,488.72 57,962.71 65,969.31 69,541.18 148,067.56

4.11 4.11 0.29 4.40 0.23 4.63 0.49 5.12 6.34 11.46 0.49 11.94 2.62 14.56 0.38 14.94 1.01 15.95 0.35 16.30 0.43 16.73 1.02 17.75 0.58 18.33 2.22 20.55 0.89 21.44 17.39 38.83 0.32 39.15 5.41 44.55 2.41 46.97 53.03 100.00

71.27 63.60 49.95 42.57 72.29 63.63 68.42 61.97 60.23 57.81 55.88 54.72 52.64 52.92 50.74 78.08 65.54 69.48 69.80 141.42

141.42

Page 48 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

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

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

5.95 5.95 1.62 7.57 3.62 11.19 4.22 15.41 9.07 24.49 9.04 33.53 8.52 42.05 8.30 50.35 6.06 56.41 3.58 59.99 3.23 63.23 2.47 65.69 3.24 68.94 5.38 74.32 2.03 76.34 4.73 81.08 4.67 85.74 3.85 89.60 8.32 97.92 2.08 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 4 11 2 29

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

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

: : :

01/01/2008 15/06/2012 15/11/2012

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

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

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

Page 49 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

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

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

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

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 6 2 2 0 10 2 0 0 6 0 0 3 3 3 0 0 0 0 37

0 0 6 8 10 10 20 22 22 22 28 28 28 31 34 37 37 37 37 37

0.00 0.00 16.22 5.41 5.41 0.00 27.03 5.41 0.00 0.00 16.22 0.00 0.00 8.11 8.11 8.11 0.00 0.00 0.00 0.00

0.00 0.00 16.22 21.62 27.03 27.03 54.05 59.46 59.46 59.46 75.68 75.68 75.68 83.78 91.89 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 215.07 1.75 0.59 0.00 1,005.63 473.08 0.00 0.00 135.59 0.00 0.00 152.22 443.56 50.99 0.00 0.00 0.00 0.00 2,478.48

0.00 0.00 215.07 216.82 217.41 217.41 1,223.04 1,696.12 1,696.12 1,696.12 1,831.71 1,831.71 1,831.71 1,983.93 2,427.49 2,478.48 2,478.48 2,478.48 2,478.48 2,478.48

0.00 0.00 8.68 0.07 0.02 0.00 40.57 19.09 0.00 0.00 5.47 0.00 0.00 6.14 17.90 2.06 0.00 0.00 0.00 0.00

0.00 0.00 8.68 8.75 8.77 8.77 49.35 68.43 68.43 68.43 73.90 73.90 73.90 80.05 97.94 100.00 100.00 100.00 100.00 100.00

0.00 0.00 110.97 1.01 0.19 0.00 336.81 169.08 0.00 0.00 134.68 0.00 0.00 65.48 790.74 225.08 0.00 0.00 0.00 0.00

0.00 0.00 64.25 42.63 26.50 19.10 85.11 98.80 84.83 77.53 80.04 74.91 71.56 71.05 85.23 86.33 82.81 81.65 80.98 80.98

80.98

Page 50 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,333 2,666 3,161 2,100 2,174 971 674 438 311 152 97 155 65 146 90 125 128 56 98 41 15,981

2,333 4,999 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

14.60 14.60 16.68 31.28 19.78 51.06 13.14 64.20 13.60 77.80 6.08 83.88 4.22 88.10 2.74 90.84 1.95 92.79 0.95 93.74 0.61 94.34 0.97 95.31 0.41 95.72 0.91 96.63 0.56 97.20 0.78 97.98 0.80 98.78 0.35 99.13 0.61 99.74 0.26 100.00

1,459.78 497.38 1,053.56 1,449.86 2,521.22 1,658.42 1,523.69 1,388.03 1,136.15 665.23 493.80 907.79 722.40 1,340.15 947.50 1,822.64 2,426.98 1,129.18 3,824.53 6,535.61 33,503.89

1,459.78 1,957.16 3,010.72 4,460.58 6,981.80 8,640.21 10,163.90 11,551.93 12,688.07 13,353.30 13,847.11 14,754.89 15,477.29 16,817.44 17,764.95 19,587.59 22,014.57 23,143.75 26,968.28 33,503.89

4.36 4.36 1.48 5.84 3.14 8.99 4.33 13.31 7.53 20.84 4.95 25.79 4.55 30.34 4.14 34.48 3.39 37.87 1.99 39.86 1.47 41.33 2.71 44.04 2.16 46.20 4.00 50.20 2.83 53.02 5.44 58.46 7.24 65.71 3.37 69.08 11.42 80.49 19.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 19 2 9 9 6 11 2 8 4 6 0 2 2 13 0 12 10 5 28 0 148

19 21 30 39 45 56 58 66 70 76 76 78 80 93 93 105 115 120 148 148

12.84 12.84 1.35 14.19 6.08 20.27 6.08 26.35 4.05 30.41 7.43 37.84 1.35 39.19 5.41 44.59 2.70 47.30 4.05 51.35 0.00 51.35 1.35 52.70 1.35 54.05 8.78 62.84 0.00 62.84 8.11 70.95 6.76 77.70 3.38 81.08 18.92 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 11,684.09 0.96 97.99 246.86 939.87 871.37 17.10 118.54 4.28 50.10 0.00 6.19 36.78 83.87 0.00 8,665.30 108.31 274.84 6,384.51 0.00 29,590.96

11,684.09 11,685.05 11,783.04 12,029.90 12,969.77 13,841.14 13,858.24 13,976.78 13,981.06 14,031.16 14,031.16 14,037.35 14,074.13 14,158.00 14,158.00 22,823.30 22,931.61 23,206.45 29,590.96 29,590.96

39.49 39.49 800.40 800.40 0.00 39.49 0.19 597.04 0.33 39.82 9.30 391.37 0.83 40.65 17.03 269.69 3.18 43.83 37.28 185.77 2.94 46.77 52.54 160.19 0.06 46.83 1.12 136.35 0.40 47.23 8.54 120.99 0.01 47.25 0.38 110.19 0.17 47.42 7.53 105.08 0.00 47.42 0.00 101.33 0.02 47.44 0.68 95.14 0.12 47.56 5.09 90.93 0.28 47.85 6.26 84.19 0.00 47.85 0.00 79.70 29.28 77.13 475.42 116.52 0.37 77.50 4.46 104.17 0.93 78.42 24.34 100.27 21.58 100.00 166.94 109.73 0.00 100.00 0.00 88.32 88.32

Page 51 of 204

RISK AND LOSS PROFILE 2009

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 198,532 162,076 213,942 135,946 155,040 82,763 60,926 49,418 28,200 15,905 12,572 15,444 10,302 13,986 8,635 14,751 13,738 6,880 8,407 3,026 1,210,489

198,532 360,608 574,550 710,496 865,536 948,299 1,009,225 1,058,643 1,086,843 1,102,748 1,115,320 1,130,764 1,141,066 1,155,052 1,163,687 1,178,438 1,192,176 1,199,056 1,207,463 1,210,489

16.40 16.40 13.39 29.79 17.67 47.46 11.23 58.69 12.81 71.50 6.84 78.34 5.03 83.37 4.08 87.46 2.33 89.79 1.31 91.10 1.04 92.14 1.28 93.41 0.85 94.26 1.16 95.42 0.71 96.13 1.22 97.35 1.13 98.49 0.57 99.06 0.69 99.75 0.25 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 130,495.32 35,269.93 80,075.10 78,494.85 136,582.49 105,647.23 108,373.57 111,908.29 83,638.00 58,571.28 57,203.53 72,489.90 58,571.22 92,209.26 71,111.84 163,153.83 165,452.91 81,135.70 118,610.82 72,163.86 1,881,158.93

130,495.32 165,765.24 245,840.34 324,335.19 460,917.67 566,564.90 674,938.48 786,846.77 870,484.77 929,056.05 986,259.58 1,058,749.48 1,117,320.70 1,209,529.96 1,280,641.81 1,443,795.63 1,609,248.54 1,690,384.24 1,808,995.06 1,881,158.91

6.94 6.94 1.87 8.81 4.26 13.07 4.17 17.24 7.26 24.50 5.62 30.12 5.76 35.88 5.95 41.83 4.45 46.27 3.11 49.39 3.04 52.43 3.85 56.28 3.11 59.40 4.90 64.30 3.78 68.08 8.67 76.75 8.80 85.55 4.31 89.86 6.31 96.16 3.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2,383 538 1,044 753 1,015 667 628 718 470 343 332 459 381 699 671 1,131 1,543 1,024 2,233 1,690 18,722

2,383 2,921 3,965 4,718 5,733 6,400 7,028 7,746 8,216 8,559 8,891 9,350 9,731 10,430 11,101 12,232 13,775 14,799 17,032 18,722

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

12.73 12.73 280,226.27 280,226.27 2.87 15.60 11,904.72 292,130.99 5.58 21.18 27,139.56 319,270.56 4.02 25.20 31,505.37 350,775.93 5.42 30.62 55,480.25 406,256.18 3.56 34.18 40,452.20 446,708.38 3.35 37.54 45,663.04 492,371.42 3.84 41.37 34,369.39 526,740.81 2.51 43.88 63,288.10 590,028.91 1.83 45.72 26,903.79 616,932.71 1.77 47.49 23,283.64 640,216.34 2.45 49.94 40,071.53 680,287.87 2.04 51.98 75,824.12 756,111.99 3.73 55.71 73,956.29 830,068.28 3.58 59.29 45,296.14 875,364.42 6.04 65.33 237,790.44 1,113,154.86 8.24 73.58 312,054.66 1,425,209.52 5.47 79.05 249,177.94 1,674,387.46 11.93 90.97 1,212,139.01 2,886,526.48 9.03 100.00 664,553.22 3,551,079.70 3,551,079.68

7.89 7.89 0.34 8.23 0.76 8.99 0.89 9.88 1.56 11.44 1.14 12.58 1.29 13.87 0.97 14.83 1.78 16.62 0.76 17.37 0.66 18.03 1.13 19.16 2.14 21.29 2.08 23.38 1.28 24.65 6.70 31.35 8.79 40.13 7.02 47.15 34.13 81.29 18.71 100.00

: : :

01/01/2009 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 214.74 33.75 33.89 40.14 40.62 38.29 42.13 30.71 75.67 45.93 40.70 55.28 129.46 80.20 63.70 145.75 188.61 307.11 1,021.95 920.89

214.74 176.23 129.87 108.15 88.14 78.85 72.95 66.94 67.78 66.40 64.91 64.25 67.67 68.63 68.35 77.10 88.56 99.05 159.57 188.77

188.77

Page 52 of 204

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

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

: : :

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

FIRE (FR) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 161,461 148,049 192,382 120,437 131,589 65,246 44,411 32,667 16,924 8,861 6,672 7,496 4,658 5,819 3,099 4,840 4,447 2,125 2,584 1,144 964,911

161,461 309,510 501,892 622,329 753,918 819,164 863,575 896,242 913,166 922,027 928,699 936,195 940,853 946,672 949,771 954,611 959,058 961,183 963,767 964,911

16.73 16.73 15.34 32.08 19.94 52.01 12.48 64.50 13.64 78.13 6.76 84.90 4.60 89.50 3.39 92.88 1.75 94.64 0.92 95.56 0.69 96.25 0.78 97.02 0.48 97.51 0.60 98.11 0.32 98.43 0.50 98.93 0.46 99.39 0.22 99.61 0.27 99.88 0.12 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 65,107.09 31,552.23 73,278.92 71,602.59 121,390.32 90,728.29 87,270.45 85,230.40 58,896.43 39,299.69 35,830.27 43,800.14 34,185.91 50,306.75 33,568.86 67,941.52 55,000.39 25,568.61 26,130.21 26,096.28 1,122,785.34

65,107.09 96,659.32 169,938.24 241,540.83 362,931.15 453,659.44 540,929.89 626,160.29 685,056.72 724,356.41 760,186.68 803,986.82 838,172.72 888,479.47 922,048.34 989,989.86 1,044,990.25 1,070,558.85 1,096,689.06 1,122,785.34

5.80 5.80 2.81 8.61 6.53 15.14 6.38 21.51 10.81 32.32 8.08 40.40 7.77 48.18 7.59 55.77 5.25 61.01 3.50 64.51 3.19 67.71 3.90 71.61 3.04 74.65 4.48 79.13 2.99 82.12 6.05 88.17 4.90 93.07 2.28 95.35 2.33 97.68 2.32 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

902 359 569 377 483 289 265 284 138 90 106 121 122 205 129 444 522 249 534 478

75,365.94 9,582.83 18,501.26 17,184.91 28,166.80 15,352.32 23,737.25 20,350.58 18,062.37 15,183.97 11,623.58 10,231.19 57,786.06 22,441.58 6,316.65 53,974.96 144,784.85 34,053.53 314,186.58 20,906.40

115.76 30.37 25.25 24.00 23.20 16.92 27.20 23.88 30.67 38.64 32.44 23.36 169.03 44.61 18.82 79.44 263.24 133.18 1,202.39 80.11

6,666

902 1,261 1,830 2,207 2,690 2,979 3,244 3,528 3,666 3,756 3,862 3,983 4,105 4,310 4,439 4,883 5,405 5,654 6,188 6,666

13.53 13.53 5.39 18.92 8.54 27.45 5.66 33.11 7.25 40.35 4.34 44.69 3.98 48.66 4.26 52.93 2.07 55.00 1.35 56.35 1.59 57.94 1.82 59.75 1.83 61.58 3.08 64.66 1.94 66.59 6.66 73.25 7.83 81.08 3.74 84.82 8.01 92.83 7.17 100.00

917,793.63

75,365.94 84,948.77 103,450.03 120,634.94 148,801.74 164,154.06 187,891.32 208,241.90 226,304.27 241,488.25 253,111.83 263,343.02 321,129.08 343,570.65 349,887.31 403,862.27 548,647.12 582,700.65 896,887.23 917,793.63

8.21 8.21 1.04 9.26 2.02 11.27 1.87 13.14 3.07 16.21 1.67 17.89 2.59 20.47 2.22 22.69 1.97 24.66 1.65 26.31 1.27 27.58 1.11 28.69 6.30 34.99 2.45 37.43 0.69 38.12 5.88 44.00 15.78 59.78 3.71 63.49 34.23 97.72 2.28 100.00

115.76 87.88 60.88 49.94 41.00 36.18 34.73 33.26 33.03 33.34 33.30 32.75 38.31 38.67 37.95 40.79 52.50 54.43 81.78 81.74

81.74

Page 53 of 204

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

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

: : :

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

INDUSTRIAL ALL RISK (IAR) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,973 8,544 12,562 9,485 15,024 11,458 10,887 11,064 7,434 4,489 3,728 4,895 3,308 4,714 3,081 5,602 5,078 2,613 3,123 923 149,985

21,973 30,517 43,079 52,564 67,588 79,046 89,933 100,997 108,431 112,920 116,648 121,543 124,851 129,565 132,646 138,248 143,326 145,939 149,062 149,985

14.65 14.65 5.70 20.35 8.38 28.72 6.32 35.05 10.02 45.06 7.64 52.70 7.26 59.96 7.38 67.34 4.96 72.29 2.99 75.29 2.49 77.77 3.26 81.04 2.21 83.24 3.14 86.39 2.05 88.44 3.74 92.17 3.39 95.56 1.74 97.30 2.08 99.38 0.62 100.00

30,534.93 1,789.78 3,882.56 4,315.64 10,531.10 10,180.63 15,345.99 18,922.83 17,586.80 13,724.51 15,089.06 19,225.47 16,216.52 28,143.03 24,483.27 55,762.18 64,135.38 28,674.10 46,627.03 19,249.23 444,420.03

30,534.93 32,324.71 36,207.27 40,522.91 51,054.01 61,234.64 76,580.62 95,503.45 113,090.25 126,814.76 141,903.82 161,129.29 177,345.81 205,488.84 229,972.11 285,734.29 349,869.68 378,543.77 425,170.80 444,420.03

6.87 6.87 0.40 7.27 0.87 8.15 0.97 9.12 2.37 11.49 2.29 13.78 3.45 17.23 4.26 21.49 3.96 25.45 3.09 28.53 3.40 31.93 4.33 36.26 3.65 39.90 6.33 46.24 5.51 51.75 12.55 64.29 14.43 78.73 6.45 85.18 10.49 95.67 4.33 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,300 99 242 202 261 204 238 337 214 180 128 224 163 422 455 603 929 712 1,635 1,193 9,741

1,300 1,399 1,641 1,843 2,104 2,308 2,546 2,883 3,097 3,277 3,405 3,629 3,792 4,214 4,669 5,272 6,201 6,913 8,548 9,741

13.35 13.35 1.02 14.36 2.48 16.85 2.07 18.92 2.68 21.60 2.09 23.69 2.44 26.14 3.46 29.60 2.20 31.79 1.85 33.64 1.31 34.96 2.30 37.25 1.67 38.93 4.33 43.26 4.67 47.93 6.19 54.12 9.54 63.66 7.31 70.97 16.78 87.75 12.25 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

191,108.99 1,268.62 5,107.96 9,109.55 6,144.55 4,306.34 13,251.73 9,745.50 31,879.81 5,571.62 8,155.74 16,448.30 10,348.59 42,720.19 17,177.80 169,779.86 96,951.45 190,843.59 585,682.71 639,626.14

625.87 70.88 131.56 211.08 58.35 42.30 86.35 51.50 181.27 40.60 54.05 85.55 63.82 151.80 70.16 304.47 151.17 665.56 1,256.10 3,322.87

2,055,229.04

191,108.99 192,377.61 197,485.57 206,595.12 212,739.67 217,046.01 230,297.74 240,043.24 271,923.05 277,494.67 285,650.41 302,098.71 312,447.30 355,167.50 372,345.29 542,125.15 639,076.60 829,920.19 1,415,602.90 2,055,229.04

9.30 9.30 0.06 9.36 0.25 9.61 0.44 10.05 0.30 10.35 0.21 10.56 0.64 11.21 0.47 11.68 1.55 13.23 0.27 13.50 0.40 13.90 0.80 14.70 0.50 15.20 2.08 17.28 0.84 18.12 8.26 26.38 4.72 31.10 9.29 40.38 28.50 68.88 31.12 100.00

625.87 595.14 545.43 509.82 416.70 354.45 300.73 251.35 240.45 218.82 201.30 187.49 176.18 172.84 161.91 189.73 182.66 219.24 332.95 462.45

462.45

Page 54 of 204

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

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

: : :

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

LOSS OF PROFIT (LOP) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1 11 2 1 16 15 7 17 10 6 5 5 10 9 13 22 25 10 15 12 212

1 12 14 15 31 46 53 70 80 86 91 96 106 115 128 150 175 185 200 212

0.47 0.47 5.19 5.66 0.94 6.60 0.47 7.08 7.55 14.62 7.08 21.70 3.30 25.00 8.02 33.02 4.72 37.74 2.83 40.57 2.36 42.92 2.36 45.28 4.72 50.00 4.25 54.25 6.13 60.38 10.38 70.75 11.79 82.55 4.72 87.26 7.08 94.34 5.66 100.00

0.10 9.91 0.60 0.00 7.22 5.32 8.98 23.02 7.41 11.60 3.52 (0.39) 33.29 35.50 57.86 36.22 137.15 (119.67) 33.99 14.76 306.42

0.10 0.03 0.03 10.01 3.24 3.27 10.61 0.20 3.46 10.61 0.00 3.46 17.83 2.36 5.82 23.15 1.74 7.56 32.14 2.93 10.49 55.16 7.51 18.00 62.58 2.42 20.42 74.18 3.79 24.21 77.70 1.15 25.36 77.31 (0.13) 25.23 110.61 10.87 36.10 146.11 11.59 47.68 203.96 18.88 66.56 240.18 11.82 78.38 377.34 44.76 123.14 257.67 (39.05) 84.09 291.66 11.09 95.18 306.42 4.82 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 4 0 0 0 0 0 0 0 4 8

0 0 0 0 0 0 0 0 0 0 0 4 4 4 4 4 4 4 4 8

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 50.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 148.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,343.73 1,492.25

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 148.53 148.53 148.53 148.53 148.53 148.53 148.53 148.53 1,492.25

: : :

01/01/2009 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.95 9.95 (38,194.42) 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 90.05 100.00 9,103.15

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 192.11 134.28 101.66 72.82 61.84 39.36 57.64 50.92 486.99

486.99

Page 55 of 204

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

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

: : :

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

EARTHQUAKE (EQ) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 15,097 5,472 8,996 6,024 8,410 6,044 5,621 5,670 3,832 2,549 2,167 3,048 2,326 3,444 2,442 4,287 4,188 2,132 2,685 947 95,381

15,097 20,569 29,565 35,589 43,999 50,043 55,664 61,334 65,166 67,715 69,882 72,930 75,256 78,700 81,142 85,429 89,617 91,749 94,434 95,381

15.83 15.83 5.74 21.57 9.43 31.00 6.32 37.31 8.82 46.13 6.34 52.47 5.89 58.36 5.94 64.30 4.02 68.32 2.67 70.99 2.27 73.27 3.20 76.46 2.44 78.90 3.61 82.51 2.56 85.07 4.49 89.57 4.39 93.96 2.24 96.19 2.82 99.01 0.99 100.00

34,853.20 1,918.00 2,913.01 2,576.62 4,653.85 4,732.98 5,748.15 7,732.04 7,147.36 5,535.48 6,280.68 9,464.68 8,135.50 13,723.98 13,001.85 39,413.90 46,179.98 27,012.66 45,819.59 26,803.58 313,647.12

34,853.20 36,771.20 39,684.22 42,260.83 46,914.69 51,647.67 57,395.82 65,127.86 72,275.22 77,810.70 84,091.38 93,556.06 101,691.56 115,415.54 128,417.39 167,831.30 214,011.28 241,023.94 286,843.53 313,647.12

11.11 11.11 0.61 11.72 0.93 12.65 0.82 13.47 1.48 14.96 1.51 16.47 1.83 18.30 2.47 20.76 2.28 23.04 1.76 24.81 2.00 26.81 3.02 29.83 2.59 32.42 4.38 36.80 4.15 40.94 12.57 53.51 14.72 68.23 8.61 76.85 14.61 91.45 8.55 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

181 80 233 174 271 174 125 97 118 73 98 110 96 72 87 84 92 63 64 15

13,751.34 1,053.27 3,530.34 5,210.92 21,168.90 20,793.54 8,674.06 4,273.30 13,345.92 6,148.20 3,504.32 13,243.50 7,689.47 8,794.52 21,801.69 14,035.62 70,318.36 24,280.82 312,269.72 2,676.95

2,307

181 261 494 668 939 1,113 1,238 1,335 1,453 1,526 1,624 1,734 1,830 1,902 1,989 2,073 2,165 2,228 2,292 2,307

7.85 7.85 3.47 11.31 10.10 21.41 7.54 28.96 11.75 40.70 7.54 48.24 5.42 53.66 4.20 57.87 5.11 62.98 3.16 66.15 4.25 70.39 4.77 75.16 4.16 79.32 3.12 82.44 3.77 86.22 3.64 89.86 3.99 93.84 2.73 96.58 2.77 99.35 0.65 100.00

576,564.77

13,751.34 14,804.62 18,334.95 23,545.87 44,714.77 65,508.30 74,182.36 78,455.67 91,801.59 97,949.79 101,454.11 114,697.62 122,387.08 131,181.60 152,983.29 167,018.91 237,337.28 261,618.09 573,887.82 576,564.77

2.39 2.39 0.18 2.57 0.61 3.18 0.90 4.08 3.67 7.76 3.61 11.36 1.50 12.87 0.74 13.61 2.31 15.92 1.07 16.99 0.61 17.60 2.30 19.89 1.33 21.23 1.53 22.75 3.78 26.53 2.43 28.97 12.20 41.16 4.21 45.38 54.16 99.54 0.46 100.00

39.46 54.92 121.19 202.24 454.87 439.33 150.90 55.27 186.73 111.07 55.80 139.93 94.52 64.08 167.68 35.61 152.27 89.89 681.52 9.99

39.46 40.26 46.20 55.72 95.31 126.84 129.25 120.46 127.02 125.88 120.65 122.60 120.35 113.66 119.13 99.52 110.90 108.54 200.07 183.83

183.83

Page 56 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2009 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 181 34 74 54 86 47 55 74 61 58 45 76 49 74 59 110 211 149 207 115 1,819

181 215 289 343 429 476 531 605 666 724 769 845 894 968 1,027 1,137 1,348 1,497 1,704 1,819

9.95 9.95 1.87 11.82 4.07 15.89 2.97 18.86 4.73 23.58 2.58 26.17 3.02 29.19 4.07 33.26 3.35 36.61 3.19 39.80 2.47 42.28 4.18 46.45 2.69 49.15 4.07 53.22 3.24 56.46 6.05 62.51 11.60 74.11 8.19 82.30 11.38 93.68 6.32 100.00

1,371.41 5.28 33.33 53.16 65.90 71.60 95.14 190.93 150.03 149.89 130.85 541.65 253.85 495.21 541.59 1,366.65 1,843.22 1,718.61 1,820.44 3,570.57 14,469.29

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

21 0 1 11 0 0 4 2 0 0 0 0 9 4 3 8 11 20 117 112

6,113.77 0.00 0.00 4,833.30 0.00 0.00 133.35 5.05 0.00 0.00 0.00 0.00 375.55 84.10 309.20 124.25 460.53 3,294.25 19,429.38 194,960.34

445.80 0.00 0.00 9,092.29 0.00 0.00 140.17 2.65 0.00 0.00 0.00 0.00 147.94 16.98 57.09 9.09 24.98 191.68 1,067.29 5,460.21

323

21 21 22 33 33 33 37 39 39 39 39 39 48 52 55 63 74 94 211 323

6.50 6.50 0.00 6.50 0.31 6.81 3.41 10.22 0.00 10.22 0.00 10.22 1.24 11.46 0.62 12.07 0.00 12.07 0.00 12.07 0.00 12.07 0.00 12.07 2.79 14.86 1.24 16.10 0.93 17.03 2.48 19.50 3.41 22.91 6.19 29.10 36.22 65.33 34.67 100.00

230,123.07

6,113.77 6,113.77 6,113.77 10,947.07 10,947.07 10,947.07 11,080.43 11,085.48 11,085.48 11,085.48 11,085.48 11,085.48 11,461.03 11,545.14 11,854.33 11,978.58 12,439.11 15,733.35 35,162.73 230,123.07

2.66 2.66 0.00 2.66 0.00 2.66 2.10 4.76 0.00 4.76 0.00 4.76 0.06 4.81 0.00 4.82 0.00 4.82 0.00 4.82 0.00 4.82 0.00 4.82 0.16 4.98 0.04 5.02 0.13 5.15 0.05 5.21 0.20 5.41 1.43 6.84 8.44 15.28 84.72 100.00

445.80 444.09 433.60 748.17 715.93 683.91 653.40 587.55 544.27 506.96 478.34 387.72 368.17 319.97 285.66 217.14 169.02 173.31 322.63 1,590.42

1,590.42

Page 57 of 204

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

: : :

TOTAL FR, IAR, LOP, EQ 2009 21 Stone, Earth, (Animal) Bones or Shells

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 834 112 112 104 135 86 121 97 108 62 73 68 65 111 65 172 273 135 284 118 3,135

834 946 1,058 1,162 1,297 1,383 1,504 1,601 1,709 1,771 1,844 1,912 1,977 2,088 2,153 2,325 2,598 2,733 3,017 3,135

26.60 26.60 3.57 30.18 3.57 33.75 3.32 37.07 4.31 41.37 2.74 44.11 3.86 47.97 3.09 51.07 3.44 54.51 1.98 56.49 2.33 58.82 2.17 60.99 2.07 63.06 3.54 66.60 2.07 68.68 5.49 74.16 8.71 82.87 4.31 87.18 9.06 96.24 3.76 100.00

905.99 31.68 56.77 66.98 141.29 93.85 153.96 219.18 283.11 228.83 388.97 326.90 325.29 639.71 555.11 1,590.12 2,822.81 1,221.75 4,095.11 454.52 14,601.94

905.99 937.68 994.44 1,061.42 1,202.71 1,296.57 1,450.52 1,669.71 1,952.81 2,181.65 2,570.61 2,897.51 3,222.80 3,862.51 4,417.62 6,007.75 8,830.56 10,052.31 14,147.42 14,601.94

6.20 6.20 0.22 6.42 0.39 6.81 0.46 7.27 0.97 8.24 0.64 8.88 1.05 9.93 1.50 11.43 1.94 13.37 1.57 14.94 2.66 17.60 2.24 19.84 2.23 22.07 4.38 26.45 3.80 30.25 10.89 41.14 19.33 60.48 8.37 68.84 28.04 96.89 3.11 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 45 4 0 2 0 0 11 4 0 2 6 0 0 3 9 8 22 15 51 29 211

45 49 49 51 51 51 62 66 66 68 74 74 74 77 86 94 116 131 182 211

21.33 21.33 1.90 23.22 0.00 23.22 0.95 24.17 0.00 24.17 0.00 24.17 5.21 29.38 1.90 31.28 0.00 31.28 0.95 32.23 2.84 35.07 0.00 35.07 0.00 35.07 1.42 36.49 4.27 40.76 3.79 44.55 10.43 54.98 7.11 62.09 24.17 86.26 13.74 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

4,339.39 450.06 0.00 9.93 0.00 0.00 504.41 31.22 0.00 809.05 151.75 0.00 0.00 18.67 328.05 287.74 8,644.28 85,584.14 5,595.90 7,425.41

478.96 1,420.51 0.00 14.83 0.00 0.00 327.63 14.25 0.00 353.55 39.01 0.00 0.00 2.92 59.10 18.10 306.23 7,005.04 136.65 1,633.70

114,180.00

4,339.39 4,789.45 4,789.45 4,799.38 4,799.38 4,799.38 5,303.78 5,335.01 5,335.01 6,144.05 6,295.80 6,295.80 6,295.80 6,314.47 6,642.52 6,930.26 15,574.54 101,158.69 106,754.59 114,180.00

3.80 3.80 0.39 4.19 0.00 4.19 0.01 4.20 0.00 4.20 0.00 4.20 0.44 4.65 0.03 4.67 0.00 4.67 0.71 5.38 0.13 5.51 0.00 5.51 0.00 5.51 0.02 5.53 0.29 5.82 0.25 6.07 7.57 13.64 74.96 88.60 4.90 93.50 6.50 100.00

478.96 510.78 481.62 452.16 399.05 370.16 365.65 319.52 273.20 281.62 244.91 217.28 195.35 163.48 150.36 115.36 176.37 1,006.32 754.59 781.95

781.95

Page 58 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 22 Metals (Logam)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

1,582 306 496 464 687 522 534 652 475 386 269 498 381 652 413 771 946 490 793 428

107 2 2 2 0 1 5 16 3 0 2 16 19 31 13 50 50 92 137 94

65,392.36 2.10 7.50 3.99 0.00 1.32 284.47 1,610.11 817.62 0.00 21.49 2,040.66 789.01 581.79 392.41 2,938.45 4,013.96 5,566.14 114,640.71 3,436.66

1,173.42 1.54 3.86 1.70 0.00 0.18 35.71 133.66 76.56 0.00 2.60 112.72 38.36 15.07 13.12 36.21 35.61 112.37 973.63 78.98

11,745

1,582 1,888 2,384 2,848 3,535 4,057 4,591 5,243 5,718 6,104 6,373 6,871 7,252 7,904 8,317 9,088 10,034 10,524 11,317 11,745

13.47 13.47 2.61 16.07 4.22 20.30 3.95 24.25 5.85 30.10 4.44 34.54 4.55 39.09 5.55 44.64 4.04 48.68 3.29 51.97 2.29 54.26 4.24 58.50 3.24 61.75 5.55 67.30 3.52 70.81 6.56 77.38 8.05 85.43 4.17 89.60 6.75 96.36 3.64 100.00

5,572.81 136.77 194.26 234.65 457.87 714.24 796.57 1,204.65 1,067.97 982.34 827.68 1,810.32 2,057.13 3,860.28 2,991.52 8,114.01 11,272.16 4,953.39 11,774.56 4,351.53 63,374.69

5,572.81 5,709.58 5,903.84 6,138.48 6,596.35 7,310.59 8,107.16 9,311.81 10,379.77 11,362.11 12,189.79 14,000.11 16,057.24 19,917.52 22,909.04 31,023.05 42,295.21 47,248.60 59,023.16 63,374.69

8.79 8.79 0.22 9.01 0.31 9.32 0.37 9.69 0.72 10.41 1.13 11.54 1.26 12.79 1.90 14.69 1.69 16.38 1.55 17.93 1.31 19.23 2.86 22.09 3.25 25.34 6.09 31.43 4.72 36.15 12.80 48.95 17.79 66.74 7.82 74.55 18.58 93.13 6.87 100.00

642

107 109 111 113 113 114 119 135 138 138 140 156 175 206 219 269 319 411 548 642

16.67 16.67 0.31 16.98 0.31 17.29 0.31 17.60 0.00 17.60 0.16 17.76 0.78 18.54 2.49 21.03 0.47 21.50 0.00 21.50 0.31 21.81 2.49 24.30 2.96 27.26 4.83 32.09 2.02 34.11 7.79 41.90 7.79 49.69 14.33 64.02 21.34 85.36 14.64 100.00

202,540.78

65,392.36 65,394.46 65,401.96 65,405.95 65,405.95 65,407.27 65,691.74 67,301.85 68,119.47 68,119.47 68,140.96 70,181.62 70,970.64 71,552.43 71,944.84 74,883.29 78,897.26 84,463.40 199,104.11 202,540.78

32.29 32.29 0.00 32.29 0.00 32.29 0.00 32.29 0.00 32.29 0.00 32.29 0.14 32.43 0.79 33.23 0.40 33.63 0.00 33.63 0.01 33.64 1.01 34.65 0.39 35.04 0.29 35.33 0.19 35.52 1.45 36.97 1.98 38.95 2.75 41.70 56.60 98.30 1.70 100.00

1,173.42 1,145.35 1,107.79 1,065.51 991.55 894.69 810.29 722.76 656.27 599.53 559.00 501.29 441.99 359.24 314.05 241.38 186.54 178.76 337.33 319.59

319.59

Page 59 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 23 Chemical / Oil / Gas (Kimia / Minyak / Gas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

1,457 179 382 378 689 653 735 855 707 483 505 732 618 977 580 1,256 1,209 670 832 367

147 5 2 11 6 9 4 23 21 17 23 6 11 81 55 97 174 66 173 46

36,286.86 73.62 0.68 681.66 440.62 1,066.81 6.22 5,104.89 1,938.74 156.91 592.80 306.74 1,232.21 9,217.51 9,321.56 14,622.41 14,449.16 17,658.95 36,757.61 33,935.08

14,264

1,457 1,636 2,018 2,396 3,085 3,738 4,473 5,328 6,035 6,518 7,023 7,755 8,373 9,350 9,930 11,186 12,395 13,065 13,897 14,264

10.21 10.21 1.25 11.47 2.68 14.15 2.65 16.80 4.83 21.63 4.58 26.21 5.15 31.36 5.99 37.35 4.96 42.31 3.39 45.70 3.54 49.24 5.13 54.37 4.33 58.70 6.85 65.55 4.07 69.62 8.81 78.42 8.48 86.90 4.70 91.59 5.83 97.43 2.57 100.00

8,833.71 181.45 460.39 491.32 1,009.77 1,165.60 1,670.26 2,357.94 2,400.50 2,051.93 2,813.28 3,698.65 3,690.70 7,402.62 5,316.03 14,569.18 17,381.93 7,856.85 10,263.07 8,356.97 101,972.14

8,833.71 9,015.15 9,475.54 9,966.86 10,976.63 12,142.23 13,812.49 16,170.43 18,570.93 20,622.86 23,436.14 27,134.79 30,825.50 38,228.11 43,544.14 58,113.33 75,495.26 83,352.10 93,615.17 101,972.14

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

977

147 152 154 165 171 180 184 207 228 245 268 274 285 366 421 518 692 758 931 977

15.05 15.05 0.51 15.56 0.20 15.76 1.13 16.89 0.61 17.50 0.92 18.42 0.41 18.83 2.35 21.19 2.15 23.34 1.74 25.08 2.35 27.43 0.61 28.05 1.13 29.17 8.29 37.46 5.63 43.09 9.93 53.02 17.81 70.83 6.76 77.58 17.71 95.29 4.71 100.00

183,851.05

36,286.86 36,360.48 36,361.16 37,042.82 37,483.44 38,550.25 38,556.47 43,661.35 45,600.09 45,757.00 46,349.80 46,656.55 47,888.76 57,106.26 66,427.82 81,050.24 95,499.40 113,158.35 149,915.97 183,851.05

19.74 19.74 0.04 19.78 0.00 19.78 0.37 20.15 0.24 20.39 0.58 20.97 0.00 20.97 2.78 23.75 1.05 24.80 0.09 24.89 0.32 25.21 0.17 25.38 0.67 26.05 5.01 31.06 5.07 36.13 7.95 44.08 7.86 51.94 9.61 61.55 19.99 81.54 18.46 100.00

410.78 40.57 0.15 138.74 43.64 91.52 0.37 216.50 80.76 7.65 21.07 8.29 33.39 124.52 175.35 100.37 83.13 224.76 358.15 406.07

410.78 403.33 383.74 371.66 341.48 317.49 279.14 270.01 245.55 221.88 197.77 171.94 155.35 149.38 152.55 139.47 126.50 135.76 160.14 180.30

180.30

Page 60 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 24 Textiles (Tekstil)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

1,941 818 1,642 1,259 1,808 1,216 993 1,016 728 490 411 498 347 628 414 854 884 531 929 250

234 5 11 10 20 17 10 19 6 19 2 26 16 36 48 101 140 120 309 81

19,978.90 27.31 441.82 158.70 1,854.43 1,170.21 844.32 510.11 552.55 868.92 3.41 2,231.39 202.66 3,165.72 310.54 13,713.72 11,340.46 56,017.97 177,994.99 8,208.45

319.94 8.23 46.33 13.64 73.51 53.52 35.13 16.11 20.40 42.42 0.17 77.60 9.62 74.58 8.37 137.75 94.17 793.73 1,504.09 183.70

17,657

1,941 2,759 4,401 5,660 7,468 8,684 9,677 10,693 11,421 11,911 12,322 12,820 13,167 13,795 14,209 15,063 15,947 16,478 17,407 17,657

10.99 10.99 4.63 15.63 9.30 24.92 7.13 32.06 10.24 42.29 6.89 49.18 5.62 54.81 5.75 60.56 4.12 64.68 2.78 67.46 2.33 69.79 2.82 72.61 1.97 74.57 3.56 78.13 2.34 80.47 4.84 85.31 5.01 90.32 3.01 93.32 5.26 98.58 1.42 100.00

6,244.53 331.77 953.58 1,163.36 2,522.67 2,186.39 2,403.22 3,165.86 2,708.35 2,048.40 1,952.63 2,875.36 2,106.81 4,244.77 3,708.86 9,955.85 12,042.67 7,057.55 11,834.06 4,468.28 83,974.95

6,244.53 6,576.30 7,529.87 8,693.24 11,215.91 13,402.30 15,805.52 18,971.38 21,679.72 23,728.12 25,680.75 28,556.11 30,662.92 34,907.69 38,616.54 48,572.39 60,615.07 67,672.61 79,506.67 83,974.95

7.44 7.44 0.40 7.83 1.14 8.97 1.39 10.35 3.00 13.36 2.60 15.96 2.86 18.82 3.77 22.59 3.23 25.82 2.44 28.26 2.33 30.58 3.42 34.01 2.51 36.51 5.05 41.57 4.42 45.99 11.86 57.84 14.34 72.18 8.40 80.59 14.09 94.68 5.32 100.00

1,230

234 239 250 260 280 297 307 326 332 351 353 379 395 431 479 580 720 840 1,149 1,230

19.02 19.02 0.41 19.43 0.89 20.33 0.81 21.14 1.63 22.76 1.38 24.15 0.81 24.96 1.54 26.50 0.49 26.99 1.54 28.54 0.16 28.70 2.11 30.81 1.30 32.11 2.93 35.04 3.90 38.94 8.21 47.15 11.38 58.54 9.76 68.29 25.12 93.41 6.59 100.00

299,596.58

19,978.90 20,006.22 20,448.03 20,606.73 22,461.17 23,631.38 24,475.70 24,985.81 25,538.36 26,407.28 26,410.69 28,642.09 28,844.75 32,010.47 32,321.01 46,034.72 57,375.18 113,393.14 291,388.13 299,596.58

6.67 6.67 0.01 6.68 0.15 6.83 0.05 6.88 0.62 7.50 0.39 7.89 0.28 8.17 0.17 8.34 0.18 8.52 0.29 8.81 0.00 8.82 0.74 9.56 0.07 9.63 1.06 10.68 0.10 10.79 4.58 15.37 3.79 19.15 18.70 37.85 59.41 97.26 2.74 100.00

319.94 304.22 271.56 237.04 200.26 176.32 154.86 131.70 117.80 111.29 102.84 100.30 94.07 91.70 83.70 94.78 94.65 167.56 366.50 356.77

356.77

Page 61 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 25 Paper, Leather and Rubber (Kertas, Kulit dan Karet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

1,208 501 915 760 1,068 802 675 757 615 405 387 394 334 565 399 724 738 456 460 179

162 8 11 10 9 5 6 13 28 19 10 15 18 16 13 26 93 69 83 62

20,253.82 102.25 165.83 172.51 642.39 57.49 935.05 65.50 2,937.45 1,171.79 210.08 273.16 2,772.81 3,644.65 279.21 1,754.59 25,700.35 25,057.89 102,933.93 34,182.86

316.77 28.44 24.97 23.39 40.59 3.62 55.17 2.47 109.95 47.84 8.61 9.62 109.93 74.70 5.75 17.14 200.49 420.75 1,405.17 685.05

12,342

1,208 1,709 2,624 3,384 4,452 5,254 5,929 6,686 7,301 7,706 8,093 8,487 8,821 9,386 9,785 10,509 11,247 11,703 12,163 12,342

9.79 9.79 4.06 13.85 7.41 21.26 6.16 27.42 8.65 36.07 6.50 42.57 5.47 48.04 6.13 54.17 4.98 59.16 3.28 62.44 3.14 65.57 3.19 68.77 2.71 71.47 4.58 76.05 3.23 79.28 5.87 85.15 5.98 91.13 3.69 94.82 3.73 98.55 1.45 100.00

6,393.85 359.52 664.19 737.65 1,582.50 1,589.94 1,694.96 2,652.19 2,671.52 2,449.31 2,439.96 2,839.34 2,522.42 4,879.24 4,859.69 10,239.35 12,818.48 5,955.58 7,325.39 4,989.83 79,664.93

6,393.85 6,753.37 7,417.56 8,155.21 9,737.71 11,327.66 13,022.62 15,674.82 18,346.34 20,795.64 23,235.61 26,074.95 28,597.37 33,476.61 38,336.30 48,575.65 61,394.13 67,349.71 74,675.10 79,664.93

8.03 8.03 0.45 8.48 0.83 9.31 0.93 10.24 1.99 12.22 2.00 14.22 2.13 16.35 3.33 19.68 3.35 23.03 3.07 26.10 3.06 29.17 3.56 32.73 3.17 35.90 6.12 42.02 6.10 48.12 12.85 60.97 16.09 77.07 7.48 84.54 9.20 93.74 6.26 100.00

676

162 170 181 191 200 205 211 224 252 271 281 296 314 330 343 369 462 531 614 676

23.96 23.96 1.18 25.15 1.63 26.78 1.48 28.25 1.33 29.59 0.74 30.33 0.89 31.21 1.92 33.14 4.14 37.28 2.81 40.09 1.48 41.57 2.22 43.79 2.66 46.45 2.37 48.82 1.92 50.74 3.85 54.59 13.76 68.34 10.21 78.55 12.28 90.83 9.17 100.00

223,313.62

20,253.82 20,356.07 20,521.90 20,694.41 21,336.80 21,394.29 22,329.34 22,394.84 25,332.29 26,504.08 26,714.16 26,987.32 29,760.13 33,404.78 33,683.99 35,438.58 61,138.93 86,196.83 189,130.76 223,313.62

9.07 9.07 0.05 9.12 0.07 9.19 0.08 9.27 0.29 9.55 0.03 9.58 0.42 10.00 0.03 10.03 1.32 11.34 0.52 11.87 0.09 11.96 0.12 12.08 1.24 13.33 1.63 14.96 0.13 15.08 0.79 15.87 11.51 27.38 11.22 38.60 46.09 84.69 15.31 100.00

316.77 301.42 276.67 253.76 219.12 188.87 171.47 142.87 138.08 127.45 114.97 103.50 104.07 99.79 87.86 72.96 99.58 127.98 253.27 280.32

280.32

Page 62 of 204

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

: : :

TOTAL FR, IAR, LOP, EQ 2009 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,059 605 747 523 639 505 440 556 396 271 198 341 201 372 319 570 692 299 370 24 9,127

1,059 1,664 2,411 2,934 3,573 4,078 4,518 5,074 5,470 5,741 5,939 6,280 6,481 6,853 7,172 7,742 8,434 8,733 9,103 9,127

11.60 11.60 6.63 18.23 8.18 26.42 5.73 32.15 7.00 39.15 5.53 44.68 4.82 49.50 6.09 55.59 4.34 59.93 2.97 62.90 2.17 65.07 3.74 68.81 2.20 71.01 4.08 75.08 3.50 78.58 6.25 84.83 7.58 92.41 3.28 95.68 4.05 99.74 0.26 100.00

6,923.41 470.63 1,381.23 1,530.18 1,978.18 1,642.51 2,014.28 2,987.41 2,583.08 2,005.77 2,700.69 3,283.02 2,681.67 5,693.01 5,405.52 11,929.75 14,121.94 5,291.13 6,167.88 357.29 81,148.55

6,923.41 7,394.04 8,775.26 10,305.45 12,283.62 13,926.13 15,940.41 18,927.82 21,510.90 23,516.67 26,217.36 29,500.38 32,182.05 37,875.05 43,280.57 55,210.32 69,332.26 74,623.39 80,791.27 81,148.55

8.53 8.53 0.58 9.11 1.70 10.81 1.89 12.70 2.44 15.14 2.02 17.16 2.48 19.64 3.68 23.32 3.18 26.51 2.47 28.98 3.33 32.31 4.05 36.35 3.30 39.66 7.02 46.67 6.66 53.33 14.70 68.04 17.40 85.44 6.52 91.96 7.60 99.56 0.44 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 61 8 8 7 12 8 12 8 4 3 2 14 9 19 10 56 45 49 92 3 430

61 69 77 84 96 104 116 124 128 131 133 147 156 175 185 241 286 335 427 430

14.19 14.19 1.86 16.05 1.86 17.91 1.63 19.53 2.79 22.33 1.86 24.19 2.79 26.98 1.86 28.84 0.93 29.77 0.70 30.47 0.47 30.93 3.26 34.19 2.09 36.28 4.42 40.70 2.33 43.02 13.02 56.05 10.47 66.51 11.40 77.91 21.40 99.30 0.70 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

17,029.46 88.94 84.08 515.72 706.02 345.40 807.71 4,159.25 601.08 265.86 9.00 1,105.55 378.85 508.06 746.51 104,541.54 36,592.84 7,662.16 74,784.63 67.74

245.97 18.90 6.09 33.70 35.69 21.03 40.10 139.23 23.27 13.25 0.33 33.67 14.13 8.92 13.81 876.31 259.12 144.81 1,212.49 18.96

251,000.42

17,029.46 17,118.40 17,202.49 17,718.21 18,424.23 18,769.63 19,577.34 23,736.59 24,337.67 24,603.54 24,612.54 25,718.09 26,096.94 26,605.00 27,351.52 131,893.05 168,485.89 176,148.05 250,932.68 251,000.42

6.78 6.78 0.04 6.82 0.03 6.85 0.21 7.06 0.28 7.34 0.14 7.48 0.32 7.80 1.66 9.46 0.24 9.70 0.11 9.80 0.00 9.81 0.44 10.25 0.15 10.40 0.20 10.60 0.30 10.90 41.65 52.55 14.58 67.13 3.05 70.18 29.79 99.97 0.03 100.00

245.97 231.52 196.03 171.93 149.99 134.78 122.82 125.41 113.14 104.62 93.88 87.18 81.09 70.24 63.20 238.89 243.01 236.05 310.59 309.31

309.31

Page 63 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 27 Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

8,887 3,034 3,002 1,971 2,331 1,613 1,190 1,445 983 723 647 1,045 689 1,299 793 1,985 2,326 1,323 1,436 518

233 60 39 26 49 83 23 88 35 8 19 53 43 122 60 340 209 169 253 100

10,164.24 730.80 584.61 620.03 1,236.38 278.23 1,618.14 4,034.72 684.94 88.63 543.36 1,295.43 499.77 11,906.27 1,854.30 50,680.86 64,372.91 7,484.69 23,099.32 3,997.86

37,240

8,887 11,921 14,923 16,894 19,225 20,838 22,028 23,473 24,456 25,179 25,826 26,871 27,560 28,859 29,652 31,637 33,963 35,286 36,722 37,240

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

13,391.52 884.65 1,720.17 1,199.67 2,164.14 2,296.49 1,964.67 3,124.25 2,626.61 2,013.93 2,199.95 4,381.79 3,345.62 6,224.85 5,518.99 22,371.95 18,766.83 9,353.52 9,310.16 2,730.34 115,590.11

13,391.52 14,276.17 15,996.34 17,196.02 19,360.16 21,656.65 23,621.32 26,745.57 29,372.18 31,386.12 33,586.07 37,967.86 41,313.48 47,538.33 53,057.32 75,429.27 94,196.09 103,549.61 112,859.77 115,590.11

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

2,012

233 293 332 358 407 490 513 601 636 644 663 716 759 881 941 1,281 1,490 1,659 1,912 2,012

11.58 11.58 2.98 14.56 1.94 16.50 1.29 17.79 2.44 20.23 4.13 24.35 1.14 25.50 4.37 29.87 1.74 31.61 0.40 32.01 0.94 32.95 2.63 35.59 2.14 37.72 6.06 43.79 2.98 46.77 16.90 63.67 10.39 74.06 8.40 82.46 12.57 95.03 4.97 100.00

185,775.47

10,164.24 10,895.04 11,479.65 12,099.68 13,336.05 13,614.28 15,232.42 19,267.13 19,952.08 20,040.70 20,584.06 21,879.49 22,379.26 34,285.53 36,139.83 86,820.69 151,193.60 158,678.30 181,777.62 185,775.47

5.47 5.47 0.39 5.86 0.31 6.18 0.33 6.51 0.67 7.18 0.15 7.33 0.87 8.20 2.17 10.37 0.37 10.74 0.05 10.79 0.29 11.08 0.70 11.78 0.27 12.05 6.41 18.46 1.00 19.45 27.28 46.73 34.65 81.39 4.03 85.41 12.43 97.85 2.15 100.00

75.90 82.61 33.99 51.68 57.13 12.12 82.36 129.14 26.08 4.40 24.70 29.56 14.94 191.27 33.60 226.54 343.01 80.02 248.11 146.42

75.90 76.32 71.76 70.36 68.88 62.86 64.49 72.04 67.93 63.85 61.29 57.63 54.17 72.12 68.11 115.10 160.51 153.24 161.07 160.72

160.72

Page 64 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 28 Power and Heating (Pembangkit Tenaga dan Pemanas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 125 12 15 9 17 44 108 76 30 14 11 28 7 30 44 63 77 39 137 200 1,086

125 137 152 161 178 222 330 406 436 450 461 489 496 526 570 633 710 749 886 1,086

11.51 11.51 1.10 12.62 1.38 14.00 0.83 14.83 1.57 16.39 4.05 20.44 9.94 30.39 7.00 37.38 2.76 40.15 1.29 41.44 1.01 42.45 2.58 45.03 0.64 45.67 2.76 48.43 4.05 52.49 5.80 58.29 7.09 65.38 3.59 68.97 12.62 81.58 18.42 100.00

1,007.80 37.67 3.12 3.34 10.90 24.08 87.87 71.48 27.97 20.00 25.29 74.62 19.22 147.56 372.05 611.95 1,526.55 431.26 2,187.21 2,500.04 9,189.99

1,007.80 1,045.47 1,048.59 1,051.94 1,062.84 1,086.92 1,174.79 1,246.27 1,274.24 1,294.24 1,319.54 1,394.16 1,413.38 1,560.94 1,932.99 2,544.93 4,071.48 4,502.75 6,689.95 9,189.99

10.97 10.97 0.41 11.38 0.03 11.41 0.04 11.45 0.12 11.57 0.26 11.83 0.96 12.78 0.78 13.56 0.30 13.87 0.22 14.08 0.28 14.36 0.81 15.17 0.21 15.38 1.61 16.99 4.05 21.03 6.66 27.69 16.61 44.30 4.69 49.00 23.80 72.80 27.20 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 0 0 0 0 0 0 0 2 0 0 4 0 6 10 0 3 2 28 17 77

5 5 5 5 5 5 5 5 7 7 7 11 11 17 27 27 30 32 60 77

6.49 6.49 0.00 6.49 0.00 6.49 0.00 6.49 0.00 6.49 0.00 6.49 0.00 6.49 0.00 6.49 2.60 9.09 0.00 9.09 0.00 9.09 5.19 14.29 0.00 14.29 7.79 22.08 12.99 35.06 0.00 35.06 3.90 38.96 2.60 41.56 36.36 77.92 22.08 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

23,253.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22,939.80 0.00 0.00 82.44 0.00 369.04 591.87 0.00 856.52 2,293.98 85,712.60 148,009.43

2,307.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 82,009.29 0.00 0.00 110.47 0.00 250.10 159.08 0.00 56.11 531.92 3,918.82 5,920.29

284,108.77

23,253.09 23,253.09 23,253.09 23,253.09 23,253.09 23,253.09 23,253.09 23,253.09 46,192.89 46,192.89 46,192.89 46,275.32 46,275.32 46,644.36 47,236.23 47,236.23 48,092.75 50,386.73 136,099.33 284,108.77

8.18 8.18 0.00 8.18 0.00 8.18 0.00 8.18 0.00 8.18 0.00 8.18 0.00 8.18 0.00 8.18 8.07 16.26 0.00 16.26 0.00 16.26 0.03 16.29 0.00 16.29 0.13 16.42 0.21 16.63 0.00 16.63 0.30 16.93 0.81 17.74 30.17 47.90 52.10 100.00

2,307.31 2,224.18 2,217.55 2,210.50 2,187.83 2,139.36 1,979.34 1,865.82 3,625.13 3,569.10 3,500.69 3,319.24 3,274.09 2,988.23 2,443.69 1,856.09 1,181.21 1,119.02 2,034.38 3,091.50

3,091.50

Page 65 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 179,722 155,858 205,836 130,316 147,392 77,145 55,973 43,781 24,008 12,930 9,976 11,631 7,530 9,106 5,460 7,968 6,089 2,603 2,833 800 1,096,957

179,722 335,580 541,416 671,732 819,124 896,269 952,242 996,023 1,020,031 1,032,961 1,042,937 1,054,568 1,062,098 1,071,204 1,076,664 1,084,632 1,090,721 1,093,324 1,096,157 1,096,957

16.38 16.38 14.21 30.59 18.76 49.36 11.88 61.24 13.44 74.67 7.03 81.71 5.10 86.81 3.99 90.80 2.19 92.99 1.18 94.17 0.91 95.08 1.06 96.14 0.69 96.82 0.83 97.65 0.50 98.15 0.73 98.88 0.56 99.43 0.24 99.67 0.26 99.93 0.07 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 78,267.68 32,550.79 74,229.47 72,827.62 126,336.50 95,634.66 97,319.99 95,582.92 68,785.89 45,846.64 43,423.94 51,985.33 40,928.67 57,182.97 41,000.80 78,776.40 66,201.63 34,616.53 49,693.35 33,685.24 1,284,877.02

78,267.68 110,818.48 185,047.94 257,875.56 384,212.06 479,846.72 577,166.70 672,749.62 741,535.52 787,382.15 830,806.09 882,791.42 923,720.09 980,903.06 1,021,903.86 1,100,680.27 1,166,881.90 1,201,498.43 1,251,191.78 1,284,877.02

6.09 6.09 2.53 8.62 5.78 14.40 5.67 20.07 9.83 29.90 7.44 37.35 7.57 44.92 7.44 52.36 5.35 57.71 3.57 61.28 3.38 64.66 4.05 68.71 3.19 71.89 4.45 76.34 3.19 79.53 6.13 85.66 5.15 90.82 2.69 93.51 3.87 97.38 2.62 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,365 1,365 430 1,795 960 2,755 672 3,427 919 4,346 544 4,890 553 5,443 545 5,988 371 6,359 261 6,620 268 6,888 315 7,203 252 7,455 363 7,818 425 8,243 429 8,672 751 9,423 395 9,818 982 10,800 1,146 11,946 11,946

11.43 11.43 3.60 15.03 8.04 23.06 5.63 28.69 7.69 36.38 4.55 40.93 4.63 45.56 4.56 50.13 3.11 53.23 2.18 55.42 2.24 57.66 2.64 60.30 2.11 62.41 3.04 65.44 3.56 69.00 3.59 72.59 6.29 78.88 3.31 82.19 8.22 90.41 9.59 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 77,237.91 77,237.91 8,272.20 85,510.11 25,735.12 111,245.23 24,499.57 135,744.80 50,600.41 186,345.21 37,532.74 223,877.95 40,529.37 264,407.32 18,848.55 283,255.87 32,815.92 316,071.79 23,188.09 339,259.87 21,751.75 361,011.62 30,881.21 391,892.83 69,528.54 461,421.37 40,926.72 502,348.09 30,270.21 532,618.31 43,287.32 575,905.62 143,416.81 719,322.43 34,527.15 753,849.58 570,987.26 1,324,836.84 230,329.38 1,555,166.22 1,555,166.22

4.97 4.97 0.53 5.50 1.65 7.15 1.58 8.73 3.25 11.98 2.41 14.40 2.61 17.00 1.21 18.21 2.11 20.32 1.49 21.82 1.40 23.21 1.99 25.20 4.47 29.67 2.63 32.30 1.95 34.25 2.78 37.03 9.22 46.25 2.22 48.47 36.72 85.19 14.81 100.00

98.68 98.68 25.41 77.16 34.67 60.12 33.64 52.64 40.05 48.50 39.25 46.66 41.65 45.81 19.72 42.10 47.71 42.62 50.58 43.09 50.09 43.45 59.40 44.39 169.88 49.95 71.57 51.21 73.83 52.12 54.95 52.32 216.64 61.64 99.74 62.74 1149.0 105.89 683.77 121.04 121.04

Page 66 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 30 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 84 29 35 23 32 50 35 29 29 32 11 42 18 32 15 44 17 2 5 0 564

84 113 148 171 203 253 288 317 346 378 389 431 449 481 496 540 557 559 564 564

14.89 14.89 5.14 20.04 6.21 26.24 4.08 30.32 5.67 35.99 8.87 44.86 6.21 51.06 5.14 56.21 5.14 61.35 5.67 67.02 1.95 68.97 7.45 76.42 3.19 79.61 5.67 85.28 2.66 87.94 7.80 95.74 3.01 98.76 0.35 99.11 0.89 100.00 0.00 100.00

22.06 15.15 32.85 46.87 179.42 120.24 62.02 94.33 121.89 142.34 66.59 243.34 119.94 234.75 63.85 443.33 572.84 0.00 463.95 0.00 3,045.76

22.06 37.22 70.06 116.94 296.35 416.59 478.62 572.95 694.84 837.19 903.77 1,147.11 1,267.05 1,501.79 1,565.64 2,008.97 2,581.81 2,581.81 3,045.76 3,045.76

0.72 0.72 0.50 1.22 1.08 2.30 1.54 3.84 5.89 9.73 3.95 13.68 2.04 15.71 3.10 18.81 4.00 22.81 4.67 27.49 2.19 29.67 7.99 37.66 3.94 41.60 7.71 49.31 2.10 51.40 14.56 65.96 18.81 84.77 0.00 84.77 15.23 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 2 0 6 0 2 6 6 2 0 0 0 24

0 0 0 0 0 0 0 0 0 2 2 8 8 10 16 22 24 24 24 24

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.33 0.00 25.00 0.00 8.33 25.00 25.00 8.33 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.33 8.33 33.33 33.33 41.67 66.67 91.67 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 73.46 0.00 1,792.45 0.00 6.47 64.69 73.41 1.78 0.00 0.00 0.00 2,012.26

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 73.46 73.46 1,865.91 1,865.91 1,872.38 1,937.07 2,010.48 2,012.26 2,012.26 2,012.26 2,012.26

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.65 0.00 89.08 0.00 0.32 3.21 3.65 0.09 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.65 51.61 8.77 3.65 0.00 8.13 92.73 736.62 162.66 92.73 0.00 147.26 93.05 2.76 124.68 96.26 101.31 123.72 99.91 16.56 100.07 100.00 0.31 77.94 100.00 0.00 77.94 100.00 0.00 66.07 100.00 0.00 66.07 66.07

Page 67 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 31 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

5.07 5.07 3.15 8.21 4.14 12.36 4.14 16.50 6.91 23.41 4.14 27.55 3.38 30.93 3.45 34.38 3.07 37.45 1.84 39.29 1.84 41.14 6.14 47.28 3.53 50.81 5.83 56.64 4.07 60.71 7.75 68.46 11.74 80.20 10.67 90.87 7.14 98.00 2.00 100.00

203.34 38.31 38.03 111.10 51.57 54.49 45.13 136.06 127.08 503.51 143.71 373.29 288.94 348.44 512.10 933.09 2,862.26 1,825.99 803.26 6,698.13 16,097.84

203.34 241.65 279.68 390.78 442.34 496.84 541.97 678.03 805.11 1,308.62 1,452.33 1,825.62 2,114.56 2,463.01 2,975.11 3,908.20 6,770.46 8,596.46 9,399.71 16,097.84

1.26 1.26 0.24 1.50 0.24 1.74 0.69 2.43 0.32 2.75 0.34 3.09 0.28 3.37 0.85 4.21 0.79 5.00 3.13 8.13 0.89 9.02 2.32 11.34 1.79 13.14 2.16 15.30 3.18 18.48 5.80 24.28 17.78 42.06 11.34 53.40 4.99 58.39 41.61 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 14 0 0 0 0 0 0 0 12 0 4 4 6 19 4 15 9 8 0 95

0 14 14 14 14 14 14 14 14 26 26 30 34 40 59 63 78 87 95 95

0.00 0.00 14.74 14.74 0.00 14.74 0.00 14.74 0.00 14.74 0.00 14.74 0.00 14.74 0.00 14.74 0.00 14.74 12.63 27.37 0.00 27.37 4.21 31.58 4.21 35.79 6.32 42.11 20.00 62.11 4.21 66.32 15.79 82.11 9.47 91.58 8.42 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 147.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 281.09 0.00 62.49 44.71 559.18 827.60 40.02 261.25 3,571.34 202.67 0.00 5,997.36

0.00 147.01 147.01 147.01 147.01 147.01 147.01 147.01 147.01 428.10 428.10 490.59 535.30 1,094.48 1,922.08 1,962.10 2,223.35 5,794.69 5,997.36 5,997.36

0.00 0.00 2.45 2.45 0.00 2.45 0.00 2.45 0.00 2.45 0.00 2.45 0.00 2.45 0.00 2.45 0.00 2.45 4.69 7.14 0.00 7.14 1.04 8.18 0.75 8.93 9.32 18.25 13.80 32.05 0.67 32.72 4.36 37.07 59.55 96.62 3.38 100.00 0.00 100.00

0.00 383.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 55.83 0.00 16.74 15.47 160.48 161.61 4.29 9.13 195.58 25.23 0.00

0.00 60.84 52.57 37.62 33.24 29.59 27.13 21.68 18.26 32.71 29.48 26.87 25.31 44.44 64.61 50.20 32.84 67.41 63.80 37.26

37.26

Page 68 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 32 Recreation Place

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 16 26 11 2 12 1 2 16 1 9 1 1 1 28 3 39 13 8 8 1 199

16 42 53 55 67 68 70 86 87 96 97 98 99 127 130 169 182 190 198 199

8.04 8.04 13.07 21.11 5.53 26.63 1.01 27.64 6.03 33.67 0.50 34.17 1.01 35.18 8.04 43.22 0.50 43.72 4.52 48.24 0.50 48.74 0.50 49.25 0.50 49.75 14.07 63.82 1.51 65.33 19.60 84.92 6.53 91.46 4.02 95.48 4.02 99.50 0.50 100.00

(5.36) 57.82 19.01 1.74 11.26 5.27 3.97 60.63 7.34 63.53 15.27 22.58 1.88 480.75 60.33 664.50 529.75 511.08 2,358.61 1.12 4,871.08

(5.36) 52.46 71.47 73.21 84.47 89.75 93.72 154.35 161.68 225.22 240.49 263.07 264.95 745.69 806.02 1,470.53 2,000.27 2,511.36 4,869.96 4,871.08

(0.11) (0.11) 1.19 1.08 0.39 1.47 0.04 1.50 0.23 1.73 0.11 1.84 0.08 1.92 1.24 3.17 0.15 3.32 1.30 4.62 0.31 4.94 0.46 5.40 0.04 5.44 9.87 15.31 1.24 16.55 13.64 30.19 10.88 41.06 10.49 51.56 48.42 99.98 0.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 2 10 2 0 0 0 0 0 0 0 0 0 10 0 2 13 4 0 0 46

3 5 15 17 17 17 17 17 17 17 17 17 17 27 27 29 42 46 46 46

6.52 6.52 4.35 10.87 21.74 32.61 4.35 36.96 0.00 36.96 0.00 36.96 0.00 36.96 0.00 36.96 0.00 36.96 0.00 36.96 0.00 36.96 0.00 36.96 0.00 36.96 21.74 58.70 0.00 58.70 4.35 63.04 28.26 91.30 8.70 100.00 0.00 100.00 0.00 100.00

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

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. (3,293.44) 3,477.02 631.00 572.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 617.39 0.00 144.35 37.28 12.86 0.00 0.00

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

133.59

Page 69 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 40 Non Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,370 521 621 29 54 25 21 19 20 17 15 11 17 33 18 94 110 36 20 0 3,051

1,370 1,891 2,512 2,541 2,595 2,620 2,641 2,660 2,680 2,697 2,712 2,723 2,740 2,773 2,791 2,885 2,995 3,031 3,051 3,051

44.90 44.90 17.08 61.98 20.35 82.33 0.95 83.28 1.77 85.05 0.82 85.87 0.69 86.56 0.62 87.18 0.66 87.84 0.56 88.40 0.49 88.89 0.36 89.25 0.56 89.81 1.08 90.89 0.59 91.48 3.08 94.56 3.61 98.16 1.18 99.34 0.66 100.00 0.00 100.00

1,362.55 168.44 288.72 27.20 70.53 47.86 61.53 60.45 83.99 57.52 90.00 56.30 230.95 335.39 205.41 1,587.68 2,689.84 342.45 513.79 0.00 8,280.61

1,362.55 1,531.00 1,819.71 1,846.91 1,917.44 1,965.30 2,026.84 2,087.29 2,171.28 2,228.80 2,318.80 2,375.10 2,606.05 2,941.44 3,146.85 4,734.53 7,424.37 7,766.82 8,280.61 8,280.61

16.45 16.45 2.03 18.49 3.49 21.98 0.33 22.30 0.85 23.16 0.58 23.73 0.74 24.48 0.73 25.21 1.01 26.22 0.69 26.92 1.09 28.00 0.68 28.68 2.79 31.47 4.05 35.52 2.48 38.00 19.17 57.18 32.48 89.66 4.14 93.80 6.20 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 15 14 0 0 33

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 19 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.12 12.12 45.45 57.58 42.42 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,766.91 1,746.31 393.54 0.00 0.00 6,906.76

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,766.91 6,513.22 6,906.76 6,906.76 6,906.76

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 69.02 69.02 300.24 100.68 25.28 94.30 64.92 87.73 5.70 100.00 114.92 88.93 0.00 100.00 0.00 83.41 0.00 100.00 0.00 83.41 83.41

Page 70 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

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

18.30 18.30 17.32 35.62 22.44 58.06 13.77 71.83 12.65 84.47 4.38 88.85 3.65 92.50 2.39 94.89 1.35 96.24 0.45 96.69 0.35 97.04 0.57 97.60 0.25 97.86 0.40 98.26 0.17 98.43 0.37 98.81 0.42 99.22 0.30 99.52 0.17 99.70 0.30 100.00

521.28 663.23 1,591.20 1,527.04 1,980.49 1,123.91 1,142.76 996.72 605.09 250.79 272.63 355.93 181.85 393.26 239.08 721.75 958.30 782.56 234.62 1,880.21 16,422.71

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

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

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

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 15.08 271.98 368.51 194.67 305.21 94.01 94.26 712.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.64 0.00 0.00 71.09 2,204.67

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

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

2.89 41.01 23.16 12.75 15.41 8.36 8.25 71.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.10 0.00 0.00 3.78

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

13.42

Page 71 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 02 - SUMATERA UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,603 13,728 17,830 11,824 11,865 5,416 3,939 2,797 1,575 853 732 939 618 766 460 810 927 412 384 83 95,561

19,603 33,331 51,161 62,985 74,850 80,266 84,205 87,002 88,577 89,430 90,162 91,101 91,719 92,485 92,945 93,755 94,682 95,094 95,478 95,561

20.51 20.51 14.37 34.88 18.66 53.54 12.37 65.91 12.42 78.33 5.67 83.99 4.12 88.12 2.93 91.04 1.65 92.69 0.89 93.58 0.77 94.35 0.98 95.33 0.65 95.98 0.80 96.78 0.48 97.26 0.85 98.11 0.97 99.08 0.43 99.51 0.40 99.91 0.09 100.00

6,968.04 2,495.89 5,679.92 6,400.86 10,337.55 6,926.53 7,467.06 6,796.91 5,158.46 3,349.23 3,501.89 4,726.42 3,976.42 6,123.55 4,475.50 10,276.51 12,833.76 4,519.66 5,158.15 858.78 118,031.10

6,968.04 9,463.93 15,143.85 21,544.71 31,882.26 38,808.80 46,275.85 53,072.76 58,231.22 61,580.45 65,082.34 69,808.76 73,785.19 79,908.73 84,384.23 94,660.75 107,494.51 112,014.17 117,172.32 118,031.10

5.90 5.90 2.11 8.02 4.81 12.83 5.42 18.25 8.76 27.01 5.87 32.88 6.33 39.21 5.76 44.97 4.37 49.34 2.84 52.17 2.97 55.14 4.00 59.14 3.37 62.51 5.19 67.70 3.79 71.49 8.71 80.20 10.87 91.07 3.83 94.90 4.37 99.27 0.73 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

86 36 41 35 49 31 51 28 39 31 14 21 20 23 16 54 61 51 111 2

25,374.72 642.34 1,058.17 1,103.82 2,604.81 566.96 2,870.35 2,700.36 1,500.88 2,273.24 837.36 449.63 228.97 1,694.53 193.13 1,545.28 12,017.35 2,625.32 7,015.74 53.47

800

86 122 163 198 247 278 329 357 396 427 441 462 482 505 521 575 636 687 798 800

10.75 10.75 4.50 15.25 5.13 20.38 4.38 24.75 6.13 30.88 3.88 34.75 6.38 41.13 3.50 44.63 4.88 49.50 3.88 53.38 1.75 55.13 2.63 57.75 2.50 60.25 2.88 63.13 2.00 65.13 6.75 71.88 7.63 79.50 6.38 85.88 13.88 99.75 0.25 100.00

67,356.41

25,374.72 26,017.06 27,075.23 28,179.05 30,783.86 31,350.82 34,221.17 36,921.53 38,422.41 40,695.65 41,533.00 41,982.63 42,211.60 43,906.13 44,099.26 45,644.54 57,661.88 60,287.20 67,302.95 67,356.41

37.67 37.67 364.16 364.16 0.95 38.63 25.74 274.91 1.57 40.20 18.63 178.79 1.64 41.84 17.24 130.79 3.87 45.70 25.20 96.55 0.84 46.54 8.19 80.78 4.26 50.81 38.44 73.95 4.01 54.82 39.73 69.57 2.23 57.04 29.10 65.98 3.37 60.42 67.87 66.09 1.24 61.66 23.91 63.82 0.67 62.33 9.51 60.14 0.34 62.67 5.76 57.21 2.52 65.18 27.67 54.95 0.29 65.47 4.32 52.26 2.29 67.77 15.04 48.22 17.84 85.61 93.64 53.64 3.90 89.50 58.09 53.82 10.42 99.92 136.01 57.44 0.08 100.00 6.23 57.07 57.07

Page 72 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 03 - SUMATERA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

4,909 5,864 8,805 5,451 4,665 1,723 1,284 775 514 247 225 283 206 218 156 189 156 128 79 9

114 115 320 232 349 200 162 100 124 71 99 105 82 75 90 75 78 26 34 0

3,460.16 1,575.38 7,487.26 6,505.58 25,118.33 23,078.99 10,509.58 4,998.81 15,058.88 9,722.83 5,499.72 13,206.59 38,319.39 9,552.70 20,694.65 13,049.97 93,863.82 13,024.11 336,665.39 0.00

160.36 147.18 297.20 278.35 640.81 942.27 401.49 244.54 920.88 1,231.57 691.22 1,362.97 6,586.09 1,185.43 3,246.89 513.24 4,218.28 897.70 68,423.65 0.00

35,886

4,909 10,773 19,578 25,029 29,694 31,417 32,701 33,476 33,990 34,237 34,462 34,745 34,951 35,169 35,325 35,514 35,670 35,798 35,877 35,886

13.68 13.68 16.34 30.02 24.54 54.56 15.19 69.75 13.00 82.75 4.80 87.55 3.58 91.12 2.16 93.28 1.43 94.72 0.69 95.40 0.63 96.03 0.79 96.82 0.57 97.39 0.61 98.00 0.43 98.44 0.53 98.96 0.43 99.40 0.36 99.75 0.22 99.97 0.03 100.00

2,157.76 1,070.36 2,519.23 2,337.21 3,919.80 2,449.30 2,617.64 2,044.17 1,635.28 789.46 795.65 968.96 581.82 805.84 637.37 2,542.66 2,225.17 1,450.83 492.03 2,446.46 34,487.02

2,157.76 3,228.13 5,747.35 8,084.56 12,004.36 14,453.67 17,071.31 19,115.48 20,750.76 21,540.22 22,335.87 23,304.83 23,886.65 24,692.50 25,329.86 27,872.53 30,097.70 31,548.52 32,040.55 34,487.02

6.26 6.26 3.10 9.36 7.30 16.67 6.78 23.44 11.37 34.81 7.10 41.91 7.59 49.50 5.93 55.43 4.74 60.17 2.29 62.46 2.31 64.77 2.81 67.58 1.69 69.26 2.34 71.60 1.85 73.45 7.37 80.82 6.45 87.27 4.21 91.48 1.43 92.91 7.09 100.00

2,451

114 229 549 781 1,130 1,330 1,492 1,592 1,716 1,787 1,886 1,991 2,073 2,148 2,238 2,313 2,391 2,417 2,451 2,451

4.65 4.65 4.69 9.34 13.06 22.40 9.47 31.86 14.24 46.10 8.16 54.26 6.61 60.87 4.08 64.95 5.06 70.01 2.90 72.91 4.04 76.95 4.28 81.23 3.35 84.58 3.06 87.64 3.67 91.31 3.06 94.37 3.18 97.55 1.06 98.61 1.39 100.00 0.00 100.00

651,392.15

3,460.16 5,035.54 12,522.80 19,028.38 44,146.70 67,225.69 77,735.28 82,734.09 97,792.97 107,515.80 113,015.52 126,222.11 164,541.50 174,094.20 194,788.85 207,838.82 301,702.65 314,726.76 651,392.15 651,392.15

0.53 0.53 0.24 0.77 1.15 1.92 1.00 2.92 3.86 6.78 3.54 10.32 1.61 11.93 0.77 12.70 2.31 15.01 1.49 16.51 0.84 17.35 2.03 19.38 5.88 25.26 1.47 26.73 3.18 29.90 2.00 31.91 14.41 46.32 2.00 48.32 51.68 100.00 0.00 100.00

160.36 155.99 217.89 235.37 367.76 465.11 455.36 432.81 471.27 499.14 505.98 541.61 688.84 705.05 769.01 745.68 1,002.41 997.60 2,033.02 1,888.80

1,888.80

Page 73 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 04 - RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9,053 7,252 9,693 6,015 6,066 2,388 1,547 1,204 658 351 223 302 212 338 142 322 384 329 250 83 46,812

9,053 16,305 25,998 32,013 38,079 40,467 42,014 43,218 43,876 44,227 44,450 44,752 44,964 45,302 45,444 45,766 46,150 46,479 46,729 46,812

19.34 19.34 15.49 34.83 20.71 55.54 12.85 68.39 12.96 81.34 5.10 86.45 3.30 89.75 2.57 92.32 1.41 93.73 0.75 94.48 0.48 94.95 0.65 95.60 0.45 96.05 0.72 96.77 0.30 97.08 0.69 97.77 0.82 98.59 0.70 99.29 0.53 99.82 0.18 100.00

9,764.54 1,813.93 4,308.29 4,696.87 7,468.16 4,473.66 4,159.85 3,837.86 2,667.28 1,693.28 1,292.44 1,748.53 1,694.20 2,178.25 1,211.73 4,015.03 4,766.71 2,432.27 3,040.33 7,210.96 74,474.15

9,764.54 11,578.46 15,886.75 20,583.62 28,051.78 32,525.43 36,685.29 40,523.15 43,190.43 44,883.71 46,176.14 47,924.67 49,618.88 51,797.12 53,008.86 57,023.88 61,790.59 64,222.86 67,263.20 74,474.15

13.11 13.11 2.44 15.55 5.78 21.33 6.31 27.64 10.03 37.67 6.01 43.67 5.59 49.26 5.15 54.41 3.58 57.99 2.27 60.27 1.74 62.00 2.35 64.35 2.27 66.63 2.92 69.55 1.63 71.18 5.39 76.57 6.40 82.97 3.27 86.24 4.08 90.32 9.68 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 26 7 30 15 24 9 11 16 7 4 0 3 2 31 0 12 10 22 62 13 304

26 33 63 78 102 111 122 138 145 149 149 152 154 185 185 197 207 229 291 304

8.55 8.55 2.30 10.86 9.87 20.72 4.93 25.66 7.89 33.55 2.96 36.51 3.62 40.13 5.26 45.39 2.30 47.70 1.32 49.01 0.00 49.01 0.99 50.00 0.66 50.66 10.20 60.86 0.00 60.86 3.95 64.80 3.29 68.09 7.24 75.33 20.39 95.72 4.28 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,707.25 230.17 1,084.96 805.45 2,637.92 1,596.82 704.77 1,481.27 907.97 75.81 0.00 97.24 0.00 5,896.97 0.00 435.69 138.77 1,255.09 14,410.85 6,429.78 39,896.78

1,707.25 1,937.42 3,022.38 3,827.83 6,465.76 8,062.57 8,767.34 10,248.62 11,156.59 11,232.40 11,232.40 11,329.63 11,329.63 17,226.60 17,226.60 17,662.29 17,801.06 19,056.15 33,467.00 39,896.78

4.28 4.28 17.48 0.58 4.86 12.69 2.72 7.58 25.18 2.02 9.59 17.15 6.61 16.21 35.32 4.00 20.21 35.69 1.77 21.98 16.94 3.71 25.69 38.60 2.28 27.96 34.04 0.19 28.15 4.48 0.00 28.15 0.00 0.24 28.40 5.56 0.00 28.40 0.00 14.78 43.18 270.72 0.00 43.18 0.00 1.09 44.27 10.85 0.35 44.62 2.91 3.15 47.76 51.60 36.12 83.88 473.99 16.12 100.00 89.17

17.48 16.73 19.02 18.60 23.05 24.79 23.90 25.29 25.83 25.03 24.33 23.64 22.83 33.26 32.50 30.97 28.81 29.67 49.76 53.57

53.57

Page 74 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 05 - JAMBI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,474 2,357 3,082 1,836 1,716 701 421 325 184 102 52 98 53 86 51 73 96 89 59 9 13,864

2,474 4,831 7,913 9,749 11,465 12,166 12,587 12,912 13,096 13,198 13,250 13,348 13,401 13,487 13,538 13,611 13,707 13,796 13,855 13,864

17.84 17.84 17.00 34.85 22.23 57.08 13.24 70.32 12.38 82.70 5.06 87.75 3.04 90.79 2.34 93.13 1.33 94.46 0.74 95.20 0.38 95.57 0.71 96.28 0.38 96.66 0.62 97.28 0.37 97.65 0.53 98.18 0.69 98.87 0.64 99.51 0.43 99.94 0.06 100.00

1,100.23 668.14 1,530.11 1,439.45 2,018.39 1,325.10 1,051.92 875.75 716.27 412.08 266.42 478.76 365.52 632.09 399.27 1,338.31 1,449.07 890.07 565.11 514.69 18,036.76

1,100.23 1,768.36 3,298.47 4,737.93 6,756.31 8,081.41 9,133.33 10,009.08 10,725.36 11,137.44 11,403.87 11,882.63 12,248.15 12,880.24 13,279.51 14,617.83 16,066.90 16,956.96 17,522.07 18,036.76

6.10 6.10 3.70 9.80 8.48 18.29 7.98 26.27 11.19 37.46 7.35 44.81 5.83 50.64 4.86 55.49 3.97 59.46 2.28 61.75 1.48 63.23 2.65 65.88 2.03 67.91 3.50 71.41 2.21 73.62 7.42 81.04 8.03 89.08 4.93 94.01 3.13 97.15 2.85 100.00

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

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

133.58 95.70 115.00 0.00 210.34 19.01 0.00 58.88 1.96 0.00 0.00 35.53 40.20 0.00 0.00 0.00 0.00 2,879.20 27,422.05 0.00

12.14 14.32 7.52 0.00 10.42 1.43 0.00 6.72 0.27 0.00 0.00 7.42 11.00 0.00 0.00 0.00 0.00 323.48 4,852.56 0.00

31,011.45

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

0.43 0.43 0.31 0.74 0.37 1.11 0.00 1.11 0.68 1.79 0.06 1.85 0.00 1.85 0.19 2.04 0.01 2.05 0.00 2.05 0.00 2.05 0.11 2.16 0.13 2.29 0.00 2.29 0.00 2.29 0.00 2.29 0.00 2.29 9.28 11.57 88.43 100.00 0.00 100.00

12.14 12.97 10.44 7.27 8.21 7.10 6.28 6.32 5.92 5.70 5.56 5.64 5.80 5.51 5.35 4.86 4.42 21.17 176.99 171.93

171.93

Page 75 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 06 - SUMATERA SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

3,707 3,513 5,739 3,839 3,935 1,888 1,495 1,072 577 271 252 255 146 234 151 280 244 162 165 96

31 13 20 7 21 6 11 18 0 4 5 4 0 5 12 14 109 12 56 37

1,812.67 233.52 578.99 183.74 1,281.09 265.19 1,368.94 383.07 0.00 452.09 39.82 65.34 0.00 43.99 752.15 176.19 8,571.17 3,140.95 750.87 24,857.61

28,021

3,707 7,220 12,959 16,798 20,733 22,621 24,116 25,188 25,765 26,036 26,288 26,543 26,689 26,923 27,074 27,354 27,598 27,760 27,925 28,021

13.23 13.23 12.54 25.77 20.48 46.25 13.70 59.95 14.04 73.99 6.74 80.73 5.34 86.06 3.83 89.89 2.06 91.95 0.97 92.92 0.90 93.82 0.91 94.73 0.52 95.25 0.84 96.08 0.54 96.62 1.00 97.62 0.87 98.49 0.58 99.07 0.59 99.66 0.34 100.00

6,864.20 647.00 2,120.90 2,429.15 4,135.42 2,953.68 3,164.65 2,686.96 2,032.90 1,045.95 1,241.64 1,386.81 919.42 1,349.14 1,364.73 2,924.00 4,461.88 1,715.96 4,699.90 11,095.03 59,239.29

6,864.20 7,511.20 9,632.10 12,061.25 16,196.66 19,150.34 22,315.00 25,001.95 27,034.85 28,080.80 29,322.44 30,709.26 31,628.67 32,977.81 34,342.54 37,266.53 41,728.41 43,444.37 48,144.26 59,239.29

11.59 11.59 1.09 12.68 3.58 16.26 4.10 20.36 6.98 27.34 4.99 32.33 5.34 37.67 4.54 42.21 3.43 45.64 1.77 47.40 2.10 49.50 2.34 51.84 1.55 53.39 2.28 55.67 2.30 57.97 4.94 62.91 7.53 70.44 2.90 73.34 7.93 81.27 18.73 100.00

385

31 44 64 71 92 98 109 127 127 131 136 140 140 145 157 171 280 292 348 385

8.05 8.05 3.38 11.43 5.19 16.62 1.82 18.44 5.45 23.90 1.56 25.45 2.86 28.31 4.68 32.99 0.00 32.99 1.04 34.03 1.30 35.32 1.04 36.36 0.00 36.36 1.30 37.66 3.12 40.78 3.64 44.42 28.31 72.73 3.12 75.84 14.55 90.39 9.61 100.00

44,957.40

1,812.67 2,046.18 2,625.17 2,808.91 4,090.01 4,355.20 5,724.14 6,107.21 6,107.21 6,559.29 6,599.12 6,664.46 6,664.46 6,708.44 7,460.60 7,636.79 16,207.97 19,348.92 20,099.79 44,957.40

4.03 4.03 26.41 0.52 4.55 36.09 1.29 5.84 27.30 0.41 6.25 7.56 2.85 9.10 30.98 0.59 9.69 8.98 3.04 12.73 43.26 0.85 13.58 14.26 0.00 13.58 0.00 1.01 14.59 43.22 0.09 14.68 3.21 0.15 14.82 4.71 0.00 14.82 0.00 0.10 14.92 3.26 1.67 16.59 55.11 0.39 16.99 6.03 19.07 36.05 192.10 6.99 43.04 183.04 1.67 44.71 15.98 55.29 100.00 224.04

26.41 27.24 27.25 23.29 25.25 22.74 25.65 24.43 22.59 23.36 22.51 21.70 21.07 20.34 21.72 20.49 38.84 44.54 41.75 75.89

75.89

Page 76 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 07 - BENGKULU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

1,879 3,489 5,496 6,769 7,910 8,349 8,649 8,796 8,900 8,960 9,002 9,042 9,075 9,111 9,132 9,186 9,244 9,265 9,272 9,274

20.26 20.26 17.36 37.62 21.64 59.26 13.73 72.99 12.30 85.29 4.73 90.03 3.23 93.26 1.59 94.85 1.12 95.97 0.65 96.61 0.45 97.07 0.43 97.50 0.36 97.85 0.39 98.24 0.23 98.47 0.58 99.05 0.63 99.68 0.23 99.90 0.08 99.98 0.02 100.00

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

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

4.97 4.97 4.22 9.19 14.05 23.24 8.45 31.70 13.62 45.31 8.53 53.84 7.61 61.45 4.37 65.82 3.98 69.80 2.47 72.27 1.83 74.11 1.45 75.56 0.84 76.40 1.28 77.68 2.20 79.88 6.16 86.05 7.70 93.75 3.42 97.17 2.19 99.37 0.63 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 2 11 9 15 27 0 2 0 3 2 2 0 5 0 5 9 11 0 0 109

6 8 19 28 43 70 70 72 72 75 77 79 79 84 84 89 98 109 109 109

5.50 5.50 1.83 7.34 10.09 17.43 8.26 25.69 13.76 39.45 24.77 64.22 0.00 64.22 1.83 66.06 0.00 66.06 2.75 68.81 1.83 70.64 1.83 72.48 0.00 72.48 4.59 77.06 0.00 77.06 4.59 81.65 8.26 89.91 10.09 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 410.10 130.42 291.12 599.27 1,485.22 707.85 0.00 8.00 0.00 4.71 4,187.11 30.59 0.00 17.34 0.00 62.71 316.72 59.76 0.00 0.00 8,310.93

410.10 540.52 831.64 1,430.91 2,916.13 3,623.98 3,623.98 3,631.98 3,631.98 3,636.69 7,823.80 7,854.40 7,854.40 7,871.74 7,871.74 7,934.45 8,251.17 8,310.93 8,310.93 8,310.93

4.93 4.93 1.57 6.50 3.50 10.01 7.21 17.22 17.87 35.09 8.52 43.60 0.00 43.60 0.10 43.70 0.00 43.70 0.06 43.76 50.38 94.14 0.37 94.51 0.00 94.51 0.21 94.72 0.00 94.72 0.75 95.47 3.81 99.28 0.72 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 86.75 32.48 21.77 74.50 114.62 87.25 0.00 1.93 0.00 2.00 2,399.43 22.20 0.00 14.19 0.00 10.70 43.22 18.34 0.00 0.00

86.75 61.83 37.61 47.45 67.63 70.74 61.98 57.99 54.69 52.88 110.96 109.25 108.05 106.50 103.56 96.91 92.50 89.89 87.90 87.35

87.35

Page 77 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 08 - LAMPUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,233 3,124 4,232 2,508 2,686 1,249 882 685 402 229 248 260 147 254 148 321 350 201 204 77 21,440

3,233 6,357 10,589 13,097 15,783 17,032 17,914 18,599 19,001 19,230 19,478 19,738 19,885 20,139 20,287 20,608 20,958 21,159 21,363 21,440

15.08 15.08 14.57 29.65 19.74 49.39 11.70 61.09 12.53 73.61 5.83 79.44 4.11 83.55 3.19 86.75 1.88 88.62 1.07 89.69 1.16 90.85 1.21 92.06 0.69 92.75 1.18 93.93 0.69 94.62 1.50 96.12 1.63 97.75 0.94 98.69 0.95 99.64 0.36 100.00

2,865.04 557.58 1,362.27 1,422.23 2,689.38 2,141.29 1,686.03 1,785.92 1,508.41 845.38 998.69 1,187.76 871.84 2,038.11 1,230.88 4,061.12 4,325.87 2,347.13 4,131.88 566.61 38,623.42

2,865.04 3,422.62 4,784.90 6,207.13 8,896.51 11,037.79 12,723.82 14,509.74 16,018.15 16,863.53 17,862.21 19,049.98 19,921.82 21,959.92 23,190.80 27,251.92 31,577.80 33,924.92 38,056.80 38,623.42

7.42 7.42 1.44 8.86 3.53 12.39 3.68 16.07 6.96 23.03 5.54 28.58 4.37 32.94 4.62 37.57 3.91 41.47 2.19 43.66 2.59 46.25 3.08 49.32 2.26 51.58 5.28 56.86 3.19 60.04 10.51 70.56 11.20 81.76 6.08 87.84 10.70 98.53 1.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 55 4 28 5 9 36 12 24 5 0 4 11 8 38 13 43 23 37 38 11 404

55 59 87 92 101 137 149 173 178 178 182 193 201 239 252 295 318 355 393 404

13.61 13.61 0.99 14.60 6.93 21.53 1.24 22.77 2.23 25.00 8.91 33.91 2.97 36.88 5.94 42.82 1.24 44.06 0.00 44.06 0.99 45.05 2.72 47.77 1.98 49.75 9.41 59.16 3.22 62.38 10.64 73.02 5.69 78.71 9.16 87.87 9.41 97.28 2.72 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 500.44 111.42 414.22 323.87 174.19 118.72 382.34 1,674.62 378.45 0.00 10.12 103.59 105.84 457.59 601.29 1,116.45 1,337.22 1,518.87 3,207.90 898.73 13,435.86

500.44 611.86 1,026.08 1,349.95 1,524.14 1,642.85 2,025.19 3,699.82 4,078.26 4,078.26 4,088.38 4,191.97 4,297.81 4,755.39 5,356.69 6,473.13 7,810.36 9,329.23 12,537.13 13,435.86

3.72 3.72 17.47 0.83 4.55 19.98 3.08 7.64 30.41 2.41 10.05 22.77 1.30 11.34 6.48 0.88 12.23 5.54 2.85 15.07 22.68 12.46 27.54 93.77 2.82 30.35 25.09 0.00 30.35 0.00 0.08 30.43 1.01 0.77 31.20 8.72 0.79 31.99 12.14 3.41 35.39 22.45 4.48 39.87 48.85 8.31 48.18 27.49 9.95 58.13 30.91 11.30 69.44 64.71 23.88 93.31 77.64 6.69 100.00 158.61

17.47 17.88 21.44 21.75 17.13 14.88 15.92 25.50 25.46 24.18 22.89 22.01 21.57 21.65 23.10 23.75 24.73 27.50 32.94 34.79

34.79

Page 78 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 27,783 16,906 30,698 26,809 39,552 24,579 18,720 14,953 8,342 4,592 3,570 4,284 2,861 3,309 2,075 3,244 2,808 1,319 1,894 741 239,039

27,783 44,689 75,387 102,196 141,748 166,327 185,047 200,000 208,342 212,934 216,504 220,788 223,649 226,958 229,033 232,277 235,085 236,404 238,298 239,039

11.62 11.62 7.07 18.70 12.84 31.54 11.22 42.75 16.55 59.30 10.28 69.58 7.83 77.41 6.26 83.67 3.49 87.16 1.92 89.08 1.49 90.57 1.79 92.36 1.20 93.56 1.38 94.95 0.87 95.81 1.36 97.17 1.17 98.35 0.55 98.90 0.79 99.69 0.31 100.00

28,156.32 3,620.60 9,236.58 11,630.19 24,863.14 22,161.79 24,571.93 27,039.85 20,432.48 14,029.51 14,571.20 18,366.84 14,859.63 19,899.88 15,649.04 31,947.42 31,655.51 14,687.82 30,835.04 16,005.91 394,220.70

28,156.32 31,776.92 41,013.51 52,643.70 77,506.84 99,668.63 124,240.56 151,280.42 171,712.90 185,742.41 200,313.61 218,680.45 233,540.08 253,439.96 269,088.99 301,036.42 332,691.93 347,379.75 378,214.79 394,220.70

7.14 7.14 0.92 8.06 2.34 10.40 2.95 13.35 6.31 19.66 5.62 25.28 6.23 31.52 6.86 38.37 5.18 43.56 3.56 47.12 3.70 50.81 4.66 55.47 3.77 59.24 5.05 64.29 3.97 68.26 8.10 76.36 8.03 84.39 3.73 88.12 7.82 95.94 4.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 779 142 215 127 160 130 114 102 72 86 48 58 52 107 52 145 442 186 580 1,006 4,603

779 921 1,136 1,263 1,423 1,553 1,667 1,769 1,841 1,927 1,975 2,033 2,085 2,192 2,244 2,389 2,831 3,017 3,597 4,603

16.92 16.92 3.08 20.01 4.67 24.68 2.76 27.44 3.48 30.91 2.82 33.74 2.48 36.22 2.22 38.43 1.56 40.00 1.87 41.86 1.04 42.91 1.26 44.17 1.13 45.30 2.32 47.62 1.13 48.75 3.15 51.90 9.60 61.50 4.04 65.54 12.60 78.14 21.86 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

38,077.32 3,580.31 5,373.98 6,210.20 6,474.06 5,162.11 8,936.97 3,176.39 10,142.73 5,598.63 4,934.17 8,878.01 7,653.09 15,457.34 6,007.01 19,379.43 32,563.83 18,164.48 163,759.94 182,675.86

135.24 98.89 58.18 53.40 26.04 23.29 36.37 11.75 49.64 39.91 33.86 48.34 51.50 77.68 38.39 60.66 102.87 123.67 531.08 1,141.30

552,205.86

38,077.32 41,657.63 47,031.61 53,241.81 59,715.87 64,877.98 73,814.96 76,991.34 87,134.07 92,732.70 97,666.87 106,544.88 114,197.96 129,655.30 135,662.31 155,041.75 187,605.58 205,770.06 369,530.00 552,205.86

6.90 6.90 0.65 7.54 0.97 8.52 1.12 9.64 1.17 10.81 0.93 11.75 1.62 13.37 0.58 13.94 1.84 15.78 1.01 16.79 0.89 17.69 1.61 19.29 1.39 20.68 2.80 23.48 1.09 24.57 3.51 28.08 5.90 33.97 3.29 37.26 29.66 66.92 33.08 100.00

135.24 131.09 114.67 101.14 77.05 65.09 59.41 50.89 50.74 49.93 48.76 48.72 48.90 51.16 50.42 51.50 56.39 59.23 97.70 140.08

140.08

Page 79 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 10 - JAWA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 31,192 25,456 32,187 19,865 21,462 11,109 7,799 6,623 3,815 2,374 1,831 2,330 1,694 2,538 1,676 3,159 2,753 1,480 2,059 681 182,083

31,192 56,648 88,835 108,700 130,162 141,271 149,070 155,693 159,508 161,882 163,713 166,043 167,737 170,275 171,951 175,110 177,863 179,343 181,402 182,083

17.13 17.13 13.98 31.11 17.68 48.79 10.91 59.70 11.79 71.48 6.10 77.59 4.28 81.87 3.64 85.51 2.10 87.60 1.30 88.91 1.01 89.91 1.28 91.19 0.93 92.12 1.39 93.52 0.92 94.44 1.73 96.17 1.51 97.68 0.81 98.50 1.13 99.63 0.37 100.00

21,318.15 4,648.09 10,268.90 9,951.88 16,802.99 12,515.77 12,506.13 13,660.61 10,500.17 7,670.72 7,741.68 9,630.33 8,577.88 14,513.24 12,184.45 29,319.34 30,676.22 16,036.87 23,021.07 9,896.58 281,441.06

21,318.15 25,966.24 36,235.14 46,187.01 62,990.00 75,505.77 88,011.90 101,672.51 112,172.68 119,843.39 127,585.07 137,215.40 145,793.28 160,306.53 172,490.98 201,810.32 232,486.54 248,523.41 271,544.48 281,441.06

7.57 7.57 1.65 9.23 3.65 12.87 3.54 16.41 5.97 22.38 4.45 26.83 4.44 31.27 4.85 36.13 3.73 39.86 2.73 42.58 2.75 45.33 3.42 48.75 3.05 51.80 5.16 56.96 4.33 61.29 10.42 71.71 10.90 82.61 5.70 88.30 8.18 96.48 3.52 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

501 54 121 127 110 89 74 106 81 36 46 108 68 134 294 216 320 225 480 307

136,561.24 136,561.24 467.20 137,028.45 1,316.99 138,345.44 8,883.22 147,228.66 2,316.65 149,545.32 2,680.92 152,226.24 6,432.56 158,658.80 5,196.41 163,855.22 26,014.41 189,869.62 3,548.44 193,418.06 517.85 193,935.91 5,678.73 199,614.64 14,807.90 214,422.54 17,720.31 232,142.85 6,488.58 238,631.43 35,123.35 273,754.78 87,129.12 360,883.90 147,951.66 508,835.56 326,432.07 835,267.64 191,650.05 1,026,917.69

640.59 10.05 12.83 89.26 13.79 21.42 51.44 38.04 247.75 46.26 6.69 58.97 172.63 122.10 53.25 119.80 284.03 922.57 1,417.97 1,936.53

3,497

501 555 676 803 913 1,002 1,076 1,182 1,263 1,299 1,345 1,453 1,521 1,655 1,949 2,165 2,485 2,710 3,190 3,497

14.33 14.33 1.54 15.87 3.46 19.33 3.63 22.96 3.15 26.11 2.55 28.65 2.12 30.77 3.03 33.80 2.32 36.12 1.03 37.15 1.32 38.46 3.09 41.55 1.94 43.49 3.83 47.33 8.41 55.73 6.18 61.91 9.15 71.06 6.43 77.49 13.73 91.22 8.78 100.00

1,026,917.69

13.30 13.30 0.05 13.34 0.13 13.47 0.87 14.34 0.23 14.56 0.26 14.82 0.63 15.45 0.51 15.96 2.53 18.49 0.35 18.83 0.05 18.89 0.55 19.44 1.44 20.88 1.73 22.61 0.63 23.24 3.42 26.66 8.48 35.14 14.41 49.55 31.79 81.34 18.66 100.00

640.59 527.72 381.80 318.77 237.41 201.61 180.27 161.16 169.27 161.39 152.01 145.48 147.07 144.81 138.34 135.65 155.23 204.74 307.60 364.88

364.88

Page 80 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,296 16,280 16,662 8,220 8,766 4,956 3,726 3,304 1,921 1,112 894 1,158 685 1,040 613 1,159 971 433 492 210 93,898

21,296 37,576 54,238 62,458 71,224 76,180 79,906 83,210 85,131 86,243 87,137 88,295 88,980 90,020 90,633 91,792 92,763 93,196 93,688 93,898

22.68 22.68 17.34 40.02 17.74 57.76 8.75 66.52 9.34 75.85 5.28 81.13 3.97 85.10 3.52 88.62 2.05 90.66 1.18 91.85 0.95 92.80 1.23 94.03 0.73 94.76 1.11 95.87 0.65 96.52 1.23 97.76 1.03 98.79 0.46 99.25 0.52 99.78 0.22 100.00

8,173.56 2,846.10 5,322.25 4,377.21 7,440.57 6,173.67 5,933.45 7,194.72 5,213.99 3,938.71 3,965.93 5,268.90 4,069.60 6,981.39 5,509.71 13,618.23 12,647.44 5,453.50 7,552.26 2,110.55 123,791.73

8,173.56 11,019.66 16,341.90 20,719.11 28,159.68 34,333.35 40,266.80 47,461.52 52,675.51 56,614.22 60,580.14 65,849.05 69,918.65 76,900.03 82,409.74 96,027.97 108,675.42 114,128.92 121,681.18 123,791.73

6.60 6.60 2.30 8.90 4.30 13.20 3.54 16.74 6.01 22.75 4.99 27.73 4.79 32.53 5.81 38.34 4.21 42.55 3.18 45.73 3.20 48.94 4.26 53.19 3.29 56.48 5.64 62.12 4.45 66.57 11.00 77.57 10.22 87.79 4.41 92.19 6.10 98.30 1.70 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

120 22 44 28 36 29 25 44 19 7 12 22 32 72 53 109 76 94 110 62

10,218.81 2,180.41 1,923.99 633.33 691.95 1,173.10 648.22 4,563.69 273.26 57.52 267.98 2,438.14 610.89 13,108.96 1,722.19 52,267.36 6,728.02 2,764.40 48,278.30 9,863.07

1,016

120 142 186 214 250 279 304 348 367 374 386 408 440 512 565 674 750 844 954 1,016

11.81 11.81 2.17 13.98 4.33 18.31 2.76 21.06 3.54 24.61 2.85 27.46 2.46 29.92 4.33 34.25 1.87 36.12 0.69 36.81 1.18 37.99 2.17 40.16 3.15 43.31 7.09 50.39 5.22 55.61 10.73 66.34 7.48 73.82 9.25 83.07 10.83 93.90 6.10 100.00

160,413.58

10,218.81 12,399.22 14,323.21 14,956.54 15,648.49 16,821.58 17,469.80 22,033.50 22,306.76 22,364.28 22,632.26 25,070.40 25,681.29 38,790.24 40,512.43 92,779.79 99,507.81 102,272.21 150,550.51 160,413.58

6.37 6.37 1.36 7.73 1.20 8.93 0.39 9.32 0.43 9.76 0.73 10.49 0.40 10.89 2.84 13.74 0.17 13.91 0.04 13.94 0.17 14.11 1.52 15.63 0.38 16.01 8.17 24.18 1.07 25.25 32.58 57.84 4.19 62.03 1.72 63.76 30.10 93.85 6.15 100.00

125.02 76.61 36.15 14.47 9.30 19.00 10.92 63.43 5.24 1.46 6.76 46.27 15.01 187.77 31.26 383.80 53.20 50.69 639.26 467.32

125.02 112.52 87.65 72.19 55.57 48.99 43.39 46.42 42.35 39.50 37.36 38.07 36.73 50.44 49.16 96.62 91.56 89.61 123.73 129.58

129.58

Page 81 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,729 1,897 2,529 1,423 1,495 909 790 626 374 196 151 174 97 194 91 116 114 51 31 11 13,998

2,729 4,626 7,155 8,578 10,073 10,982 11,772 12,398 12,772 12,968 13,119 13,293 13,390 13,584 13,675 13,791 13,905 13,956 13,987 13,998

19.50 19.50 13.55 33.05 18.07 51.11 10.17 61.28 10.68 71.96 6.49 78.45 5.64 84.10 4.47 88.57 2.67 91.24 1.40 92.64 1.08 93.72 1.24 94.96 0.69 95.66 1.39 97.04 0.65 97.69 0.83 98.52 0.81 99.34 0.36 99.70 0.22 99.92 0.08 100.00

868.38 319.06 822.72 606.34 978.62 920.92 1,719.52 1,151.77 730.10 494.18 480.15 793.91 361.96 1,032.63 429.98 1,206.16 1,005.12 465.54 615.89 325.57 15,328.52

868.38 1,187.44 2,010.15 2,616.49 3,595.11 4,516.03 6,235.55 7,387.32 8,117.42 8,611.59 9,091.75 9,885.66 10,247.62 11,280.26 11,710.24 12,916.40 13,921.53 14,387.06 15,002.95 15,328.52

5.67 5.67 2.08 7.75 5.37 13.11 3.96 17.07 6.38 23.45 6.01 29.46 11.22 40.68 7.51 48.19 4.76 52.96 3.22 56.18 3.13 59.31 5.18 64.49 2.36 66.85 6.74 73.59 2.81 76.40 7.87 84.26 6.56 90.82 3.04 93.86 4.02 97.88 2.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 2 14 7 16 6 2 8 2 4 2 11 0 2 0 0 14 11 14 8 136

13 15 29 36 52 58 60 68 70 74 76 87 87 89 89 89 103 114 128 136

9.56 9.56 1.47 11.03 10.29 21.32 5.15 26.47 11.76 38.24 4.41 42.65 1.47 44.12 5.88 50.00 1.47 51.47 2.94 54.41 1.47 55.88 8.09 63.97 0.00 63.97 1.47 65.44 0.00 65.44 0.00 65.44 10.29 75.74 8.09 83.82 10.29 94.12 5.88 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 271.78 6.79 36.57 68.79 277.12 231.65 24.00 158.92 4.93 38.85 6.70 94.84 0.00 4.32 0.00 0.00 1,739.91 825.41 32.44 163.79 3,986.79

271.78 278.57 315.13 383.92 661.04 892.69 916.69 1,075.61 1,080.53 1,119.38 1,126.08 1,220.93 1,220.93 1,225.25 1,225.25 1,225.25 2,965.16 3,790.56 3,823.00 3,986.79

6.82 6.82 31.30 0.17 6.99 2.13 0.92 7.90 4.44 1.73 9.63 11.34 6.95 16.58 28.32 5.81 22.39 25.15 0.60 22.99 1.40 3.99 26.98 13.80 0.12 27.10 0.67 0.97 28.08 7.86 0.17 28.25 1.40 2.38 30.62 11.95 0.00 30.62 0.00 0.11 30.73 0.42 0.00 30.73 0.00 0.00 30.73 0.00 43.64 74.37 173.10 20.70 95.08 177.30 0.81 95.89 5.27 4.11 100.00 50.31

31.30 23.46 15.68 14.67 18.39 19.77 14.70 14.56 13.31 13.00 12.39 12.35 11.91 10.86 10.46 9.49 21.30 26.35 25.48 26.01

26.01

Page 82 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 13 - JAWA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,846 17,935 21,470 12,592 15,082 9,041 6,890 6,283 3,719 2,094 1,672 1,962 1,454 2,095 1,163 2,108 2,053 905 1,119 418 131,901

21,846 39,781 61,251 73,843 88,925 97,966 104,856 111,139 114,858 116,952 118,624 120,586 122,040 124,135 125,298 127,406 129,459 130,364 131,483 131,901

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

14,329.56 3,487.19 6,985.74 6,405.10 12,139.89 10,078.97 10,121.11 12,602.15 9,854.74 8,456.76 6,685.16 9,581.20 8,332.86 13,648.54 10,734.16 25,733.67 23,913.38 9,003.83 13,515.73 8,417.26 224,027.00

14,329.56 17,816.75 24,802.50 31,207.60 43,347.49 53,426.45 63,547.56 76,149.71 86,004.45 94,461.21 101,146.37 110,727.58 119,060.43 132,708.97 143,443.13 169,176.80 193,090.17 202,094.01 215,609.74 224,027.00

6.40 6.40 1.56 7.95 3.12 11.07 2.86 13.93 5.42 19.35 4.50 23.85 4.52 28.37 5.63 33.99 4.40 38.39 3.77 42.17 2.98 45.15 4.28 49.43 3.72 53.15 6.09 59.24 4.79 64.03 11.49 75.52 10.67 86.19 4.02 90.21 6.03 96.24 3.76 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

221 43 57 42 55 30 43 152 45 47 40 46 52 128 52 136 175 133 285 119

25,165.84 246.22 2,800.34 1,011.65 3,315.01 1,809.14 3,509.59 5,040.31 3,739.53 4,624.84 1,877.48 2,533.52 5,821.70 4,106.99 4,397.97 17,426.46 47,273.46 11,416.33 171,139.13 58,771.90

175.62 7.06 40.09 15.79 27.31 17.95 34.68 40.00 37.95 54.69 28.08 26.44 69.86 30.09 40.97 67.72 197.69 126.79 1,266.22 698.23

1,901

221 264 321 363 418 448 491 643 688 735 775 821 873 1,001 1,053 1,189 1,364 1,497 1,782 1,901

11.63 11.63 2.26 13.89 3.00 16.89 2.21 19.10 2.89 21.99 1.58 23.57 2.26 25.83 8.00 33.82 2.37 36.19 2.47 38.66 2.10 40.77 2.42 43.19 2.74 45.92 6.73 52.66 2.74 55.39 7.15 62.55 9.21 71.75 7.00 78.75 14.99 93.74 6.26 100.00

376,027.42

25,165.84 25,412.05 28,212.40 29,224.05 32,539.06 34,348.20 37,857.78 42,898.10 46,637.63 51,262.47 53,139.95 55,673.47 61,495.18 65,602.17 70,000.13 87,426.59 134,700.05 146,116.38 317,255.51 376,027.42

6.69 6.69 0.07 6.76 0.74 7.50 0.27 7.77 0.88 8.65 0.48 9.13 0.93 10.07 1.34 11.41 0.99 12.40 1.23 13.63 0.50 14.13 0.67 14.81 1.55 16.35 1.09 17.45 1.17 18.62 4.63 23.25 12.57 35.82 3.04 38.86 45.51 84.37 15.63 100.00

175.62 142.63 113.75 93.64 75.07 64.29 59.57 56.33 54.23 54.27 52.54 50.28 51.65 49.43 48.80 51.68 69.76 72.30 147.14 167.85

167.85

Page 83 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

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

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9,191 9,103 10,041 3,653 2,841 1,037 686 470 230 164 122 146 82 116 62 162 151 65 57 15 38,394

9,191 18,294 28,335 31,988 34,829 35,866 36,552 37,022 37,252 37,416 37,538 37,684 37,766 37,882 37,944 38,106 38,257 38,322 38,379 38,394

23.94 23.94 23.71 47.65 26.15 73.80 9.51 83.32 7.40 90.71 2.70 93.42 1.79 95.20 1.22 96.43 0.60 97.03 0.43 97.45 0.32 97.77 0.38 98.15 0.21 98.36 0.30 98.67 0.16 98.83 0.42 99.25 0.39 99.64 0.17 99.81 0.15 99.96 0.04 100.00

4,116.76 4,186.17 9,292.01 5,871.46 6,544.92 3,312.90 2,737.33 2,100.27 1,471.25 1,006.59 739.63 1,129.76 720.46 1,103.41 830.07 2,998.30 1,918.16 5,530.57 1,718.44 248.98 57,577.44

4,116.76 8,302.93 17,594.94 23,466.40 30,011.33 33,324.22 36,061.55 38,161.82 39,633.07 40,639.66 41,379.29 42,509.05 43,229.51 44,332.92 45,162.99 48,161.29 50,079.45 55,610.01 57,328.46 57,577.44

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 30 20 58 41 26 8 1 7 0 3 0 3 12 4 15 28 14 11 18 0 299

30 50 108 149 175 183 184 191 191 194 194 197 209 213 228 256 270 281 299 299

10.03 10.03 6.69 16.72 19.40 36.12 13.71 49.83 8.70 58.53 2.68 61.20 0.33 61.54 2.34 63.88 0.00 63.88 1.00 64.88 0.00 64.88 1.00 65.89 4.01 69.90 1.34 71.24 5.02 76.25 9.36 85.62 4.68 90.30 3.68 93.98 6.02 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,423.76 624.47 3,168.63 2,198.80 2,606.07 401.29 0.00 79.39 0.00 57.76 0.00 379.30 587.40 80.12 464.77 15,169.75 3,901.64 2,054.99 15,246.70 0.00 48,444.83

1,423.76 2,048.23 5,216.86 7,415.66 10,021.73 10,423.02 10,423.02 10,502.41 10,502.41 10,560.17 10,560.17 10,939.47 11,526.87 11,606.99 12,071.76 27,241.51 31,143.15 33,198.13 48,444.83 48,444.83

2.94 2.94 34.58 1.29 4.23 14.92 6.54 10.77 34.10 4.54 15.31 37.45 5.38 20.69 39.82 0.83 21.52 12.11 0.00 21.52 0.00 0.16 21.68 3.78 0.00 21.68 0.00 0.12 21.80 5.74 0.00 21.80 0.00 0.78 22.58 33.57 1.21 23.79 81.53 0.17 23.96 7.26 0.96 24.92 55.99 31.31 56.23 505.94 8.05 64.29 203.41 4.24 68.53 37.16 31.47 100.00 887.24 0.00 100.00 0.00

34.58 24.67 29.65 31.60 33.39 31.28 28.90 27.52 26.50 25.98 25.52 25.73 26.66 26.18 26.73 56.56 62.19 59.70 84.50 84.14

84.14

Page 84 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 15 - KALIMANTAN TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,663 1,726 1,787 924 990 482 302 255 122 76 48 50 34 60 28 79 73 69 45 11 8,824

1,663 3,389 5,176 6,100 7,090 7,572 7,874 8,129 8,251 8,327 8,375 8,425 8,459 8,519 8,547 8,626 8,699 8,768 8,813 8,824

18.85 18.85 19.56 38.41 20.25 58.66 10.47 69.13 11.22 80.35 5.46 85.81 3.42 89.23 2.89 92.12 1.38 93.51 0.86 94.37 0.54 94.91 0.57 95.48 0.39 95.86 0.68 96.54 0.32 96.86 0.90 97.76 0.83 98.58 0.78 99.37 0.51 99.88 0.12 100.00

813.22 619.69 1,270.44 974.85 1,738.09 1,508.44 874.08 1,202.53 548.59 270.88 246.68 264.03 207.01 370.44 244.88 914.59 891.60 832.75 379.14 76.40 14,248.31

813.22 1,432.90 2,703.34 3,678.20 5,416.28 6,924.72 7,798.80 9,001.33 9,549.91 9,820.79 10,067.47 10,331.50 10,538.51 10,908.95 11,153.83 12,068.42 12,960.02 13,792.77 14,171.90 14,248.31

5.71 5.71 4.35 10.06 8.92 18.97 6.84 25.81 12.20 38.01 10.59 48.60 6.13 54.73 8.44 63.17 3.85 67.02 1.90 68.93 1.73 70.66 1.85 72.51 1.45 73.96 2.60 76.56 1.72 78.28 6.42 84.70 6.26 90.96 5.84 96.80 2.66 99.46 0.54 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 2 0 4 4 2 4 0 0 0 0 0 0 15 14 2 26 23 5 5 130

24 26 26 30 34 36 40 40 40 40 40 40 40 55 69 71 97 120 125 130

18.46 18.46 1.54 20.00 0.00 20.00 3.08 23.08 3.08 26.15 1.54 27.69 3.08 30.77 0.00 30.77 0.00 30.77 0.00 30.77 0.00 30.77 0.00 30.77 0.00 30.77 11.54 42.31 10.77 53.08 1.54 54.62 20.00 74.62 17.69 92.31 3.85 96.15 3.85 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 331.08 21.46 0.00 175.60 386.44 36.00 723.37 0.00 0.00 0.00 0.00 0.00 0.00 70.13 731.42 35.00 1,864.26 315.09 755.71 230.59 5,676.15

331.08 352.53 352.53 528.13 914.58 950.58 1,673.95 1,673.95 1,673.95 1,673.95 1,673.95 1,673.95 1,673.95 1,744.08 2,475.50 2,510.50 4,374.76 4,689.85 5,445.56 5,676.15

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

40.71 3.46 0.00 18.01 22.23 2.39 82.76 0.00 0.00 0.00 0.00 0.00 0.00 18.93 298.68 3.83 209.09 37.84 199.33 301.80

40.71 24.60 13.04 14.36 16.89 13.73 21.46 18.60 17.53 17.04 16.63 16.20 15.88 15.99 22.19 20.80 33.76 34.00 38.43 39.84

39.84

Page 85 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 16 - KALIMANTAN SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,877 3,214 3,945 2,069 1,963 1,010 579 454 270 169 114 154 121 134 106 160 141 110 94 37 18,721

3,877 7,091 11,036 13,105 15,068 16,078 16,657 17,111 17,381 17,550 17,664 17,818 17,939 18,073 18,179 18,339 18,480 18,590 18,684 18,721

20.71 20.71 17.17 37.88 21.07 58.95 11.05 70.00 10.49 80.49 5.40 85.88 3.09 88.97 2.43 91.40 1.44 92.84 0.90 93.74 0.61 94.35 0.82 95.18 0.65 95.82 0.72 96.54 0.57 97.10 0.85 97.96 0.75 98.71 0.59 99.30 0.50 99.80 0.20 100.00

1,543.68 712.52 1,564.00 1,217.84 1,941.58 1,649.38 1,628.02 1,297.99 1,013.97 1,005.76 609.99 858.91 690.15 1,168.15 1,074.68 (792.05) 2,201.66 1,691.96 1,372.47 504.96 22,955.60

1,543.68 2,256.19 3,820.19 5,038.03 6,979.61 8,628.99 10,257.01 11,555.00 12,568.96 13,574.72 14,184.71 15,043.62 15,733.77 16,901.92 17,976.60 17,184.55 19,386.22 21,078.17 22,450.65 22,955.60

6.72 6.72 3.10 9.83 6.81 16.64 5.31 21.95 8.46 30.40 7.19 37.59 7.09 44.68 5.65 50.34 4.42 54.75 4.38 59.13 2.66 61.79 3.74 65.53 3.01 68.54 5.09 73.63 4.68 78.31 (3.45) 74.86 9.59 84.45 7.37 91.82 5.98 97.80 2.20 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 29 6 2 2 5 8 9 13 2 2 0 0 1 2 11 7 1 16 52 7 175

29 35 37 39 44 52 61 74 76 78 78 78 79 81 92 99 100 116 168 175

16.57 16.57 3.43 20.00 1.14 21.14 1.14 22.29 2.86 25.14 4.57 29.71 5.14 34.86 7.43 42.29 1.14 43.43 1.14 44.57 0.00 44.57 0.00 44.57 0.57 45.14 1.14 46.29 6.29 52.57 4.00 56.57 0.57 57.14 9.14 66.29 29.71 96.00 4.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

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

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

23.70 23.70 194.11 194.11 1.06 24.76 18.80 138.75 0.12 24.88 0.94 82.33 1.43 26.30 14.80 66.01 0.88 27.18 5.71 49.23 2.95 30.13 22.63 44.15 4.00 34.13 31.09 42.07 1.36 35.49 13.20 38.83 0.03 35.51 0.32 35.72 0.00 35.52 0.04 33.08 0.00 35.52 0.00 31.66 0.00 35.52 0.00 29.85 0.00 35.52 0.00 28.54 0.40 35.92 4.37 26.87 1.13 37.05 13.30 26.06 0.44 37.49 (7.05) 27.59 0.00 37.49 0.00 24.45 1.08 38.57 8.04 23.14 59.21 97.78 545.47 55.07 2.22 100.00 55.57 55.08 55.08

Page 86 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 17 - KALIMANTAN TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

3,865 3,609 5,212 3,474 4,119 2,141 1,545 1,173 613 299 274 276 190 233 165 244 292 139 214 69

24 8 12 6 24 4 10 18 4 0 15 10 0 4 0 12 18 16 110 10

3,565.43 209.86 262.77 178.19 1,493.11 42.85 1,019.82 100.95 73.08 0.00 3,725.99 303.09 0.00 581.73 0.00 1,283.52 308.71 5,263.64 15,140.99 146,786.91

119.87 18.88 10.19 6.90 31.62 1.12 25.92 2.56 2.83 0.00 230.96 18.13 0.00 26.15 0.00 28.91 10.03 290.19 365.36 5,541.11

28,146

3,865 7,474 12,686 16,160 20,279 22,420 23,965 25,138 25,751 26,050 26,324 26,600 26,790 27,023 27,188 27,432 27,724 27,863 28,077 28,146

13.73 13.73 12.82 26.55 18.52 45.07 12.34 57.41 14.63 72.05 7.61 79.66 5.49 85.15 4.17 89.31 2.18 91.49 1.06 92.55 0.97 93.53 0.98 94.51 0.68 95.18 0.83 96.01 0.59 96.60 0.87 97.46 1.04 98.50 0.49 98.99 0.76 99.75 0.25 100.00

2,974.40 1,111.44 2,577.99 2,583.19 4,721.82 3,830.16 3,933.84 3,939.46 2,582.02 1,202.96 1,613.28 1,672.07 1,347.86 2,224.54 1,327.90 4,439.72 3,076.58 1,813.85 4,144.14 2,649.05 53,766.26

2,974.40 4,085.84 6,663.83 9,247.01 13,968.83 17,798.99 21,732.83 25,672.29 28,254.32 29,457.27 31,070.55 32,742.61 34,090.47 36,315.01 37,642.91 42,082.64 45,159.22 46,973.07 51,117.21 53,766.26

5.53 5.53 2.07 7.60 4.79 12.39 4.80 17.20 8.78 25.98 7.12 33.10 7.32 40.42 7.33 47.75 4.80 52.55 2.24 54.79 3.00 57.79 3.11 60.90 2.51 63.40 4.14 67.54 2.47 70.01 8.26 78.27 5.72 83.99 3.37 87.37 7.71 95.07 4.93 100.00

305

24 32 44 50 74 78 88 106 110 110 125 135 135 139 139 151 169 185 295 305

7.87 7.87 2.62 10.49 3.93 14.43 1.97 16.39 7.87 24.26 1.31 25.57 3.28 28.85 5.90 34.75 1.31 36.07 0.00 36.07 4.92 40.98 3.28 44.26 0.00 44.26 1.31 45.57 0.00 45.57 3.93 49.51 5.90 55.41 5.25 60.66 36.07 96.72 3.28 100.00

180,340.65

3,565.43 3,775.29 4,038.07 4,216.26 5,709.36 5,752.21 6,772.03 6,872.99 6,946.06 6,946.06 10,672.05 10,975.14 10,975.14 11,556.88 11,556.88 12,840.40 13,149.11 18,412.75 33,553.74 180,340.65

1.98 1.98 0.12 2.09 0.15 2.24 0.10 2.34 0.83 3.17 0.02 3.19 0.57 3.76 0.06 3.81 0.04 3.85 0.00 3.85 2.07 5.92 0.17 6.09 0.00 6.09 0.32 6.41 0.00 6.41 0.71 7.12 0.17 7.29 2.92 10.21 8.40 18.61 81.39 100.00

119.87 92.40 60.60 45.60 40.87 32.32 31.16 26.77 24.58 23.58 34.35 33.52 32.19 31.82 30.70 30.51 29.12 39.20 65.64 335.42

335.42

Page 87 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 18 - SULAWESI UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,869 1,440 2,431 1,606 1,776 913 726 657 374 180 144 194 82 173 107 115 96 29 68 7 12,987

1,869 3,309 5,740 7,346 9,122 10,035 10,761 11,418 11,792 11,972 12,116 12,310 12,392 12,565 12,672 12,787 12,883 12,912 12,980 12,987

14.39 14.39 11.09 25.48 18.72 44.20 12.37 56.56 13.68 70.24 7.03 77.27 5.59 82.86 5.06 87.92 2.88 90.80 1.39 92.18 1.11 93.29 1.49 94.79 0.63 95.42 1.33 96.75 0.82 97.57 0.89 98.46 0.74 99.20 0.22 99.42 0.52 99.95 0.05 100.00

880.48 356.41 829.47 771.89 1,516.95 1,395.83 1,495.93 1,916.59 1,322.00 920.33 900.88 939.81 530.52 1,295.08 1,013.37 1,472.36 1,005.80 352.86 469.96 200.31 19,586.83

880.48 1,236.89 2,066.36 2,838.25 4,355.20 5,751.03 7,246.96 9,163.56 10,485.56 11,405.89 12,306.77 13,246.58 13,777.10 15,072.17 16,085.54 17,557.90 18,563.70 18,916.56 19,386.52 19,586.83

4.50 4.50 1.82 6.31 4.23 10.55 3.94 14.49 7.74 22.24 7.13 29.36 7.64 37.00 9.79 46.78 6.75 53.53 4.70 58.23 4.60 62.83 4.80 67.63 2.71 70.34 6.61 76.95 5.17 82.12 7.52 89.64 5.14 94.78 1.80 96.58 2.40 98.98 1.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 2 6 2 13 2 0 0 0 5 4 2 3 0 0 7 0 1 3 0 56

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

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

239.61 13.47 27.12 16.84 76.58 1.37 0.00 0.00 0.00 9.50 35.58 0.00 13.06 0.00 0.00 1,713.93 0.00 0.00 1.17 0.00

29,411.31

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

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

239.61 174.45 115.31 88.53 84.37 64.22 50.96 40.31 35.22 33.15 33.33 30.96 30.27 27.67 25.93 167.48 158.40 155.45 151.71 150.16

150.16

Page 88 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 19 - SULAWESI TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,244 958 1,239 828 879 470 329 284 162 82 47 70 55 63 36 22 36 19 5 0 6,828

1,244 2,202 3,441 4,269 5,148 5,618 5,947 6,231 6,393 6,475 6,522 6,592 6,647 6,710 6,746 6,768 6,804 6,823 6,828 6,828

18.22 18.22 14.03 32.25 18.15 50.40 12.13 62.52 12.87 75.40 6.88 82.28 4.82 87.10 4.16 91.26 2.37 93.63 1.20 94.83 0.69 95.52 1.03 96.54 0.81 97.35 0.92 98.27 0.53 98.80 0.32 99.12 0.53 99.65 0.28 99.93 0.07 100.00 0.00 100.00

313.99 266.16 609.22 988.24 1,415.59 1,037.34 1,005.83 1,102.83 843.80 529.99 331.67 524.70 404.69 424.87 310.32 592.98 286.02 79.79 34.18 0.00 11,102.21

313.99 580.15 1,189.37 2,177.61 3,593.20 4,630.55 5,636.38 6,739.21 7,583.01 8,113.00 8,444.67 8,969.37 9,374.05 9,798.92 10,109.24 10,702.22 10,988.24 11,068.03 11,102.21 11,102.21

2.83 2.83 2.40 5.23 5.49 10.71 8.90 19.61 12.75 32.36 9.34 41.71 9.06 50.77 9.93 60.70 7.60 68.30 4.77 73.08 2.99 76.06 4.73 80.79 3.65 84.43 3.83 88.26 2.80 91.06 5.34 96.40 2.58 98.97 0.72 99.69 0.31 100.00 0.00 100.00

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

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

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3.87 94.56 2.47 0.00 56.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 157.70

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

2.45 59.96 1.57 0.00 36.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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

1.23 35.53 0.41 0.00 4.01 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

1.23 16.96 8.48 4.63 4.39 3.41 2.80 2.34 2.08 1.94 1.87 1.76 1.68 1.61 1.56 1.47 1.44 1.42 1.42 1.42

1.42

Page 89 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 20 - SULAWESI SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,245 6,299 7,356 3,998 4,083 2,163 1,353 1,096 624 328 294 341 190 312 155 243 217 93 99 51 34,540

5,245 11,544 18,900 22,898 26,981 29,144 30,497 31,593 32,217 32,545 32,839 33,180 33,370 33,682 33,837 34,080 34,297 34,390 34,489 34,540

15.19 15.19 18.24 33.42 21.30 54.72 11.57 66.29 11.82 78.12 6.26 84.38 3.92 88.29 3.17 91.47 1.81 93.27 0.95 94.22 0.85 95.08 0.99 96.06 0.55 96.61 0.90 97.52 0.45 97.96 0.70 98.67 0.63 99.30 0.27 99.57 0.29 99.85 0.15 100.00

1,936.23 1,258.03 2,886.81 3,163.37 5,385.84 4,888.37 3,618.62 3,571.02 2,370.73 1,409.94 1,486.74 1,666.80 1,274.28 2,029.13 1,518.20 3,055.75 2,519.69 1,490.57 1,190.91 950.95 47,671.97

1,936.23 3,194.26 6,081.07 9,244.43 14,630.28 19,518.64 23,137.26 26,708.28 29,079.01 30,488.95 31,975.70 33,642.50 34,916.77 36,945.90 38,464.11 41,519.86 44,039.54 45,530.11 46,721.02 47,671.97

4.06 4.06 2.64 6.70 6.06 12.76 6.64 19.39 11.30 30.69 10.25 40.94 7.59 48.53 7.49 56.03 4.97 61.00 2.96 63.96 3.12 67.07 3.50 70.57 2.67 73.24 4.26 77.50 3.18 80.68 6.41 87.09 5.29 92.38 3.13 95.51 2.50 98.01 1.99 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 25 10 4 9 13 8 11 3 7 6 5 4 8 8 0 5 2 6 14 4 152

25 35 39 48 61 69 80 83 90 96 101 105 113 121 121 126 128 134 148 152

16.45 16.45 6.58 23.03 2.63 25.66 5.92 31.58 8.55 40.13 5.26 45.39 7.24 52.63 1.97 54.61 4.61 59.21 3.95 63.16 3.29 66.45 2.63 69.08 5.26 74.34 5.26 79.61 0.00 79.61 3.29 82.89 1.32 84.21 3.95 88.16 9.21 97.37 2.63 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,648.19 23.06 33.35 390.12 861.67 218.94 4,791.15 1,034.14 69.56 30.92 198.35 1,971.33 239.57 304.83 0.00 42.59 32.67 133.06 846.68 516.55 14,386.74

2,648.19 2,671.25 2,704.60 3,094.72 3,956.39 4,175.33 8,966.48 10,000.62 10,070.18 10,101.10 10,299.45 12,270.78 12,510.36 12,815.18 12,815.18 12,857.77 12,890.45 13,023.51 13,870.19 14,386.74

18.41 18.41 136.77 136.77 0.16 18.57 1.83 83.63 0.23 18.80 1.16 44.48 2.71 21.51 12.33 33.48 5.99 27.50 16.00 27.04 1.52 29.02 4.48 21.39 33.30 62.32 132.40 38.75 7.19 69.51 28.96 37.44 0.48 70.00 2.93 34.63 0.21 70.21 2.19 33.13 1.38 71.59 13.34 32.21 13.70 85.29 118.27 36.47 1.67 86.96 18.80 35.83 2.12 89.08 15.02 34.69 0.00 89.08 0.00 33.32 0.30 89.37 1.39 30.97 0.23 89.60 1.30 29.27 0.92 90.52 8.93 28.60 5.89 96.41 71.10 29.69 3.59 100.00 54.32 30.18 30.18

Page 90 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 21 - SULAWESI TENGGARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 666 744 928 605 688 381 213 189 79 32 29 57 14 28 10 18 17 2 7 5 4,712

666 1,410 2,338 2,943 3,631 4,012 4,225 4,414 4,493 4,525 4,554 4,611 4,625 4,653 4,663 4,681 4,698 4,700 4,707 4,712

14.13 14.13 15.79 29.92 19.69 49.62 12.84 62.46 14.60 77.06 8.09 85.14 4.52 89.66 4.01 93.68 1.68 95.35 0.68 96.03 0.62 96.65 1.21 97.86 0.30 98.15 0.59 98.75 0.21 98.96 0.38 99.34 0.36 99.70 0.04 99.75 0.15 99.89 0.11 100.00

234.88 146.21 331.27 407.03 901.42 727.05 579.88 628.17 312.67 158.96 148.57 217.11 126.53 292.53 69.50 157.82 236.40 20.18 24.97 156.02 5,877.17

234.88 381.09 712.36 1,119.39 2,020.81 2,747.87 3,327.74 3,955.91 4,268.58 4,427.54 4,576.10 4,793.21 4,919.75 5,212.27 5,281.77 5,439.59 5,675.99 5,696.18 5,721.15 5,877.17

4.00 4.00 2.49 6.48 5.64 12.12 6.93 19.05 15.34 34.38 12.37 46.75 9.87 56.62 10.69 67.31 5.32 72.63 2.70 75.33 2.53 77.86 3.69 81.56 2.15 83.71 4.98 88.69 1.18 89.87 2.69 92.55 4.02 96.58 0.34 96.92 0.42 97.35 2.65 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 6 0 3 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 16

2 8 8 11 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 16

12.50 12.50 37.50 50.00 0.00 50.00 18.75 68.75 18.75 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 12.50 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.60 147.70 0.00 128.11 90.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 840.99 1,207.41

0.60 148.30 148.30 276.41 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 1,207.41

0.05 0.05 0.26 12.23 12.28 101.02 0.00 12.28 0.00 10.61 22.89 31.47 7.45 30.35 9.98 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 69.65 100.00 539.03

0.26 38.92 20.82 24.69 18.13 13.33 11.01 9.26 8.58 8.28 8.01 7.64 7.45 7.03 6.94 6.74 6.46 6.43 6.40 20.54

20.54

Page 91 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 22 - BALI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,634 3,275 3,808 2,635 3,318 1,956 1,861 1,569 1,037 617 421 628 326 433 282 380 355 116 140 106 27,897

4,634 7,909 11,717 14,352 17,670 19,626 21,487 23,056 24,093 24,710 25,131 25,759 26,085 26,518 26,800 27,180 27,535 27,651 27,791 27,897

16.61 16.61 11.74 28.35 13.65 42.00 9.45 51.45 11.89 63.34 7.01 70.35 6.67 77.02 5.62 82.65 3.72 86.36 2.21 88.58 1.51 90.08 2.25 92.34 1.17 93.50 1.55 95.06 1.01 96.07 1.36 97.43 1.27 98.70 0.42 99.12 0.50 99.62 0.38 100.00

2,263.20 555.67 1,113.29 1,426.00 2,644.23 2,529.59 5,416.88 3,556.80 2,887.54 2,028.64 1,673.35 2,840.25 1,856.52 3,053.28 2,186.94 3,835.10 3,210.40 1,187.71 2,218.14 3,275.33 49,758.88

2,263.20 2,818.88 3,932.17 5,358.18 8,002.41 10,532.00 15,948.87 19,505.68 22,393.21 24,421.85 26,095.20 28,935.45 30,791.97 33,845.25 36,032.19 39,867.29 43,077.70 44,265.41 46,483.55 49,758.88

4.55 4.55 1.12 5.67 2.24 7.90 2.87 10.77 5.31 16.08 5.08 21.17 10.89 32.05 7.15 39.20 5.80 45.00 4.08 49.08 3.36 52.44 5.71 58.15 3.73 61.88 6.14 68.02 4.40 72.41 7.71 80.12 6.45 86.57 2.39 88.96 4.46 93.42 6.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 58 4 4 6 18 8 24 20 22 10 9 16 11 15 6 26 30 12 40 9 348

58 62 66 72 90 98 122 142 164 174 183 199 210 225 231 257 287 299 339 348

16.67 16.67 1.15 17.82 1.15 18.97 1.72 20.69 5.17 25.86 2.30 28.16 6.90 35.06 5.75 40.80 6.32 47.13 2.87 50.00 2.59 52.59 4.60 57.18 3.16 60.34 4.31 64.66 1.72 66.38 7.47 73.85 8.62 82.47 3.45 85.92 11.49 97.41 2.59 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,194.04 6.56 41.75 169.47 212.82 42.40 1,340.53 873.66 65.47 113.68 38.71 113.61 2,336.11 688.25 440.86 880.08 321.71 147.06 3,302.25 1,153.46 15,482.46

3,194.04 3,200.60 3,242.35 3,411.81 3,624.63 3,667.03 5,007.56 5,881.22 5,946.69 6,060.37 6,099.08 6,212.70 8,548.80 9,237.05 9,677.91 10,557.98 10,879.69 11,026.76 14,329.00 15,482.46

20.63 20.63 141.13 141.13 0.04 20.67 1.18 113.54 0.27 20.94 3.75 82.46 1.09 22.04 11.88 63.67 1.37 23.41 8.05 45.29 0.27 23.69 1.68 34.82 8.66 32.34 24.75 31.40 5.64 37.99 24.56 30.15 0.42 38.41 2.27 26.56 0.73 39.14 5.60 24.82 0.25 39.39 2.31 23.37 0.73 40.13 4.00 21.47 15.09 55.22 125.83 27.76 4.45 59.66 22.54 27.29 2.85 62.51 20.16 26.86 5.68 68.19 22.95 26.48 2.08 70.27 10.02 25.26 0.95 71.22 12.38 24.91 21.33 92.55 148.87 30.83 7.45 100.00 35.22 31.11 31.11

Page 92 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 23 - NUSA TENGGARA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,743 1,432 1,633 838 867 424 340 258 101 108 55 73 65 58 19 50 38 16 13 1

2 0 0 3 4 2 4 2 13 0 0 2 6 2 0 172 2 9 6 0

8,132

1,743 3,175 4,808 5,646 6,513 6,937 7,277 7,535 7,636 7,744 7,799 7,872 7,937 7,995 8,014 8,064 8,102 8,118 8,131 8,132

21.43 21.43 17.61 39.04 20.08 59.12 10.30 69.43 10.66 80.09 5.21 85.30 4.18 89.49 3.17 92.66 1.24 93.90 1.33 95.23 0.68 95.91 0.90 96.80 0.80 97.60 0.71 98.32 0.23 98.55 0.61 99.16 0.47 99.63 0.20 99.83 0.16 99.99 0.01 100.00

313.04 278.56 721.77 653.50 923.07 709.53 561.04 693.53 408.00 381.99 268.76 415.07 332.51 493.05 120.56 1,041.38 389.36 114.08 90.51 184.41 9,093.72

313.04 591.60 1,313.37 1,966.87 2,889.94 3,599.47 4,160.51 4,854.04 5,262.04 5,644.04 5,912.79 6,327.86 6,660.37 7,153.42 7,273.98 8,315.36 8,704.72 8,818.80 8,909.31 9,093.72

3.44 3.44 3.06 6.51 7.94 14.44 7.19 21.63 10.15 31.78 7.80 39.58 6.17 45.75 7.63 53.38 4.49 57.86 4.20 62.07 2.96 65.02 4.56 69.58 3.66 73.24 5.42 78.66 1.33 79.99 11.45 91.44 4.28 95.72 1.25 96.98 1.00 97.97 2.03 100.00

229

2 2 2 5 9 11 15 17 30 30 30 32 38 40 40 212 214 223 229 229

0.87 0.87 0.00 0.87 0.00 0.87 1.31 2.18 1.75 3.93 0.87 4.80 1.75 6.55 0.87 7.42 5.68 13.10 0.00 13.10 0.00 13.10 0.87 13.97 2.62 16.59 0.87 17.47 0.00 17.47 75.11 92.58 0.87 93.45 3.93 97.38 2.62 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5.67 0.00 0.00 21.19 21.52 14.41 1.76 5.78 290.61 0.00 0.00 2.51 664.06 37.58 0.00 454.30 5.67 934.23 86.82 0.00 2,546.12

5.67 5.67 5.67 26.86 48.38 62.79 64.56 70.34 360.95 360.95 360.95 363.46 1,027.52 1,065.10 1,065.10 1,519.40 1,525.07 2,459.30 2,546.12 2,546.12

0.22 0.22 1.81 0.00 0.22 0.00 0.00 0.22 0.00 0.83 1.06 3.24 0.85 1.90 2.33 0.57 2.47 2.03 0.07 2.54 0.31 0.23 2.76 0.83 11.41 14.18 71.23 0.00 14.18 0.00 0.00 14.18 0.00 0.10 14.27 0.60 26.08 40.36 199.71 1.48 41.83 7.62 0.00 41.83 0.00 17.84 59.67 43.62 0.22 59.90 1.46 36.69 96.59 818.91 3.41 100.00 95.93 0.00 100.00 0.00

1.81 0.96 0.43 1.37 1.67 1.74 1.55 1.45 6.86 6.40 6.10 5.74 15.43 14.89 14.64 18.27 17.52 27.89 28.58 28.00

28.00

Page 93 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 825 1,160 1,184 644 842 487 367 267 156 84 62 51 30 36 19 38 29 1 5 1 6,288

825 1,985 3,169 3,813 4,655 5,142 5,509 5,776 5,932 6,016 6,078 6,129 6,159 6,195 6,214 6,252 6,281 6,282 6,287 6,288

13.12 13.12 18.45 31.57 18.83 50.40 10.24 60.64 13.39 74.03 7.74 81.77 5.84 87.61 4.25 91.86 2.48 94.34 1.34 95.67 0.99 96.66 0.81 97.47 0.48 97.95 0.57 98.52 0.30 98.82 0.60 99.43 0.46 99.89 0.02 99.90 0.08 99.98 0.02 100.00

104.99 219.70 534.56 510.73 1,141.55 980.46 1,069.06 1,055.32 706.42 398.83 439.50 364.28 229.58 298.18 132.73 291.03 223.45 16.55 8.22 24.28 8,749.42

104.99 324.70 859.26 1,369.99 2,511.54 3,492.00 4,561.07 5,616.38 6,322.80 6,721.64 7,161.14 7,525.41 7,755.00 8,053.18 8,185.91 8,476.94 8,700.38 8,716.93 8,725.15 8,749.42

1.20 1.20 2.51 3.71 6.11 9.82 5.84 15.66 13.05 28.71 11.21 39.91 12.22 52.13 12.06 64.19 8.07 72.27 4.56 76.82 5.02 81.85 4.16 86.01 2.62 88.63 3.41 92.04 1.52 93.56 3.33 96.89 2.55 99.44 0.19 99.63 0.09 99.72 0.28 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 2 0 2 2 3 0 3 3 0 0 0 0 0 0 0 0 0 0 0 15

0 2 2 4 6 9 9 12 15 15 15 15 15 15 15 15 15 15 15 15

0.00 13.33 0.00 13.33 13.33 20.00 0.00 20.00 20.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 13.33 13.33 26.67 40.00 60.00 60.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 33.89 0.00 189.41 28.00 190.95 0.00 82.48 665.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,190.69

0.00 33.89 33.89 223.30 251.29 442.24 442.24 524.72 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69

0.00 2.85 0.00 15.91 2.35 16.04 0.00 6.93 55.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 2.85 2.85 18.75 21.10 37.14 37.14 44.07 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 15.42 0.00 37.09 2.45 19.48 0.00 7.82 94.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 10.44 3.94 16.30 10.01 12.66 9.70 9.34 18.83 17.71 16.63 15.82 15.35 14.79 14.55 14.05 13.69 13.66 13.65 13.61

13.61

Page 94 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 25 - MALUKU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 337 305 321 233 260 135 130 128 64 34 24 22 23 22 18 30 13 17 12 0 2,128

337 642 963 1,196 1,456 1,591 1,721 1,849 1,913 1,947 1,971 1,993 2,016 2,038 2,056 2,086 2,099 2,116 2,128 2,128

15.84 15.84 14.33 30.17 15.08 45.25 10.95 56.20 12.22 68.42 6.34 74.77 6.11 80.87 6.02 86.89 3.01 89.90 1.60 91.49 1.13 92.62 1.03 93.66 1.08 94.74 1.03 95.77 0.85 96.62 1.41 98.03 0.61 98.64 0.80 99.44 0.56 100.00 0.00 100.00

167.89 66.82 158.53 185.27 352.12 307.63 398.19 459.16 344.74 172.54 137.79 204.17 190.73 261.69 79.81 426.39 171.88 178.12 144.35 0.00 4,407.83

167.89 234.71 393.24 578.51 930.63 1,238.27 1,636.45 2,095.61 2,440.36 2,612.90 2,750.68 2,954.85 3,145.59 3,407.28 3,487.09 3,913.48 4,085.36 4,263.48 4,407.83 4,407.83

3.81 3.81 1.52 5.32 3.60 8.92 4.20 13.12 7.99 21.11 6.98 28.09 9.03 37.13 10.42 47.54 7.82 55.36 3.91 59.28 3.13 62.40 4.63 67.04 4.33 71.36 5.94 77.30 1.81 79.11 9.67 88.78 3.90 92.68 4.04 96.73 3.27 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 4 0 0 0 0 0 0 0 2 8 0 0 0 0 16

2 2 2 2 2 2 6 6 6 6 6 6 6 6 8 16 16 16 16 16

12.50 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 50.00 0.00 0.00 0.00 0.00

12.50 12.50 12.50 12.50 12.50 12.50 37.50 37.50 37.50 37.50 37.50 37.50 37.50 37.50 50.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE 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 51,281.09 0.00 0.00 0.00 0.00

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 12,026.88 0.00 0.00 0.00 0.00

53,183.81

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 53,183.81 53,183.81 53,183.81 53,183.81 53,183.81

0.08 0.00 0.00 0.00 0.00 0.00 0.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.29 96.42 0.00 0.00 0.00 0.00

0.08 0.08 0.08 0.08 0.08 0.08 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28 3.58 100.00 100.00 100.00 100.00 100.00

24.14 17.27 10.31 7.01 4.35 3.27 9.19 7.18 6.17 5.76 5.47 5.09 4.78 4.42 54.56 1,358.99 1,301.82 1,247.43 1,206.58 1,206.58

1,206.58

Page 95 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 26 - IRIAN JAYA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

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

816 1,605 2,739 3,581 4,598 5,182 5,630 5,991 6,197 6,343 6,420 6,521 6,578 6,665 6,704 6,764 6,803 6,811 6,830 6,830

11.95 11.95 11.55 23.50 16.60 40.10 12.33 52.43 14.89 67.32 8.55 75.87 6.56 82.43 5.29 87.72 3.02 90.73 2.14 92.87 1.13 94.00 1.48 95.48 0.83 96.31 1.27 97.58 0.57 98.16 0.88 99.03 0.57 99.60 0.12 99.72 0.28 100.00 0.00 100.00

191.03 252.23 537.94 669.22 1,516.69 1,314.77 1,378.32 1,622.42 1,217.72 1,034.99 647.70 810.15 533.29 870.40 516.00 750.09 555.61 257.38 884.76 0.00 15,560.73

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

1.23 1.23 1.62 2.85 3.46 6.31 4.30 10.61 9.75 20.35 8.45 28.80 8.86 37.66 10.43 48.09 7.83 55.91 6.65 62.56 4.16 66.73 5.21 71.93 3.43 75.36 5.59 80.95 3.32 84.27 4.82 89.09 3.57 92.66 1.65 94.31 5.69 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 8 2 4 5 0 5 5 3 5 1 3 0 0 0 0 10 20 47 0 118

0 8 10 14 19 19 24 29 32 37 38 41 41 41 41 41 51 71 118 118

0.00 0.00 6.78 6.78 1.69 8.47 3.39 11.86 4.24 16.10 0.00 16.10 4.24 20.34 4.24 24.58 2.54 27.12 4.24 31.36 0.85 32.20 2.54 34.75 0.00 34.75 0.00 34.75 0.00 34.75 0.00 34.75 8.47 43.22 16.95 60.17 39.83 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 169.79 64.58 694.80 684.52 0.00 644.78 243.08 1,064.01 63.92 110.37 17.44 0.00 0.00 0.00 0.00 19.97 54.10 109.41 0.00 3,940.78

0.00 169.79 234.38 929.17 1,613.70 1,613.70 2,258.48 2,501.56 3,565.56 3,629.48 3,739.85 3,757.30 3,757.30 3,757.30 3,757.30 3,757.30 3,777.27 3,831.37 3,940.78 3,940.78

0.00 0.00 0.00 4.31 4.31 67.32 1.64 5.95 12.01 17.63 23.58 103.82 17.37 40.95 45.13 0.00 40.95 0.00 16.36 57.31 46.78 6.17 63.48 14.98 27.00 90.48 87.38 1.62 92.10 6.18 2.80 94.90 17.04 0.44 95.34 2.15 0.00 95.34 0.00 0.00 95.34 0.00 0.00 95.34 0.00 0.00 95.34 0.00 0.51 95.85 3.59 1.37 97.22 21.02 2.78 100.00 12.37 0.00 100.00 0.00

0.00 38.30 23.89 56.30 50.95 36.00 38.54 33.43 40.98 37.28 36.02 33.57 32.04 29.83 28.65 27.10 26.20 26.11 25.33 25.33

25.33

Page 96 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 27 - MALUKU UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 139 154 239 131 156 112 100 88 55 25 15 22 21 19 3 1 1 3 2 2 1,288

139 293 532 663 819 931 1,031 1,119 1,174 1,199 1,214 1,236 1,257 1,276 1,279 1,280 1,281 1,284 1,286 1,288

10.79 10.79 11.96 22.75 18.56 41.30 10.17 51.48 12.11 63.59 8.70 72.28 7.76 80.05 6.83 86.88 4.27 91.15 1.94 93.09 1.16 94.25 1.71 95.96 1.63 97.59 1.48 99.07 0.23 99.30 0.08 99.38 0.08 99.46 0.23 99.69 0.16 99.84 0.16 100.00

67.97 33.00 123.83 94.43 235.34 230.88 281.14 496.42 383.83 205.46 124.92 194.36 236.19 244.79 55.44 67.87 8.05 130.67 27.00 0.00 3,241.60

67.97 100.97 224.80 319.24 554.58 785.46 1,066.60 1,563.02 1,946.85 2,152.31 2,277.23 2,471.59 2,707.78 2,952.57 3,008.01 3,075.88 3,083.93 3,214.60 3,241.60 3,241.60

2.10 2.10 1.02 3.11 3.82 6.93 2.91 9.85 7.26 17.11 7.12 24.23 8.67 32.90 15.31 48.22 11.84 60.06 6.34 66.40 3.85 70.25 6.00 76.25 7.29 83.53 7.55 91.08 1.71 92.79 2.09 94.89 0.25 95.14 4.03 99.17 0.83 100.00 0.00 100.00

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 183.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 183.07

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 183.07 100.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00

0.00 0.00 0.00 0.00 77.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 33.01 23.31 17.16 11.71 9.40 8.51 8.04 7.41 6.76 6.20 6.09 5.95 5.94 5.69 5.65 5.65

5.65

Page 97 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 28 - IRIAN JAYA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 280 358 597 319 330 201 168 108 67 38 32 30 21 21 16 27 14 4 1 0 2,632

280 638 1,235 1,554 1,884 2,085 2,253 2,361 2,428 2,466 2,498 2,528 2,549 2,570 2,586 2,613 2,627 2,631 2,632 2,632

10.64 10.64 13.60 24.24 22.68 46.92 12.12 59.04 12.54 71.58 7.64 79.22 6.38 85.60 4.10 89.70 2.55 92.25 1.44 93.69 1.22 94.91 1.14 96.05 0.80 96.85 0.80 97.64 0.61 98.25 1.03 99.28 0.53 99.81 0.15 99.96 0.04 100.00 0.00 100.00

24.93 62.03 182.38 184.47 369.69 442.47 524.59 420.39 347.40 263.25 258.10 271.71 159.34 265.93 277.72 305.18 271.42 65.05 6.33 0.00 4,702.39

24.93 86.97 269.34 453.82 823.51 1,265.98 1,790.57 2,210.96 2,558.36 2,821.61 3,079.72 3,351.43 3,510.77 3,776.70 4,054.42 4,359.60 4,631.01 4,696.06 4,702.39 4,702.39

0.53 0.53 1.32 1.85 3.88 5.73 3.92 9.65 7.86 17.51 9.41 26.92 11.16 38.08 8.94 47.02 7.39 54.41 5.60 60.00 5.49 65.49 5.78 71.27 3.39 74.66 5.66 80.31 5.91 86.22 6.49 92.71 5.77 98.48 1.38 99.87 0.13 100.00 0.00 100.00

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

0 0 0 4 6 8 10 10 10 10 10 10 10 10 10 10 10 10 10 10

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

0.00 0.00 0.00 40.00 60.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 172.78 24.45 437.45 44.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 679.61

0.00 0.00 0.00 172.78 197.23 634.68 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61

0.00 0.00 0.00 25.42 3.60 64.37 6.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 25.42 29.02 93.39 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 93.66 6.61 98.87 8.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 38.07 23.95 50.13 37.96 30.74 26.56 24.09 22.07 20.28 19.36 17.99 16.76 15.59 14.68 14.47 14.45 14.45

14.45

Page 98 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 29 - BANTEN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

7,674 6,302 9,643 6,576 7,549 3,672 2,547 2,163 1,265 756 676 867 615 845 645 1,052 1,080 546 725 218

197 10 30 25 32 13 33 29 20 19 21 18 12 19 26 42 110 80 115 73

19,735.85 482.07 382.55 338.18 545.10 1,127.12 404.08 1,625.53 3,033.20 152.69 616.93 3,662.87 4,339.72 4,005.84 801.75 1,795.34 12,903.06 34,288.52 15,781.91 38,459.41

223.08 38.83 13.75 12.26 10.39 28.07 10.71 37.48 83.03 5.37 20.57 86.76 120.05 62.31 13.78 13.79 91.90 580.76 213.12 3,463.91

55,416

7,674 13,976 23,619 30,195 37,744 41,416 43,963 46,126 47,391 48,147 48,823 49,690 50,305 51,150 51,795 52,847 53,927 54,473 55,198 55,416

13.85 13.85 11.37 25.22 17.40 42.62 11.87 54.49 13.62 68.11 6.63 74.74 4.60 79.33 3.90 83.24 2.28 85.52 1.36 86.88 1.22 88.10 1.56 89.67 1.11 90.78 1.52 92.30 1.16 93.47 1.90 95.36 1.95 97.31 0.99 98.30 1.31 99.61 0.39 100.00

8,846.85 1,241.41 2,782.26 2,758.48 5,247.20 4,015.53 3,773.79 4,336.74 3,653.28 2,843.71 2,999.40 4,221.66 3,614.87 6,428.81 5,819.22 13,020.21 14,040.70 5,904.05 7,405.34 1,110.29 104,063.81

8,846.85 10,088.26 12,870.52 15,629.00 20,876.20 24,891.73 28,665.52 33,002.26 36,655.55 39,499.26 42,498.65 46,720.32 50,335.19 56,764.00 62,583.22 75,603.43 89,644.13 95,548.18 102,953.52 104,063.81

8.50 8.50 1.19 9.69 2.67 12.37 2.65 15.02 5.04 20.06 3.86 23.92 3.63 27.55 4.17 31.71 3.51 35.22 2.73 37.96 2.88 40.84 4.06 44.90 3.47 48.37 6.18 54.55 5.59 60.14 12.51 72.65 13.49 86.14 5.67 91.82 7.12 98.93 1.07 100.00

924

197 207 237 262 294 307 340 369 389 408 429 447 459 478 504 546 656 736 851 924

21.32 21.32 1.08 22.40 3.25 25.65 2.71 28.35 3.46 31.82 1.41 33.23 3.57 36.80 3.14 39.94 2.16 42.10 2.06 44.16 2.27 46.43 1.95 48.38 1.30 49.68 2.06 51.73 2.81 54.55 4.55 59.09 11.90 71.00 8.66 79.65 12.45 92.10 7.90 100.00

144,481.71

19,735.85 20,217.92 20,600.47 20,938.65 21,483.75 22,610.87 23,014.95 24,640.47 27,673.68 27,826.37 28,443.29 32,106.16 36,445.88 40,451.72 41,253.47 43,048.81 55,951.87 90,240.39 106,022.30 144,481.71

13.66 13.66 0.33 13.99 0.26 14.26 0.23 14.49 0.38 14.87 0.78 15.65 0.28 15.93 1.13 17.05 2.10 19.15 0.11 19.26 0.43 19.69 2.54 22.22 3.00 25.23 2.77 28.00 0.55 28.55 1.24 29.80 8.93 38.73 23.73 62.46 10.92 73.38 26.62 100.00

223.08 200.41 160.06 133.97 102.91 90.84 80.29 74.66 75.50 70.45 66.93 68.72 72.41 71.26 65.92 56.94 62.42 94.44 102.98 138.84

138.84

Page 99 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 30 - BANGKA BELITUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 339 387 506 332 414 255 162 121 89 34 27 29 29 34 19 23 16 13 18 11 2,858

339 726 1,232 1,564 1,978 2,233 2,395 2,516 2,605 2,639 2,666 2,695 2,724 2,758 2,777 2,800 2,816 2,829 2,847 2,858

11.86 11.86 13.54 25.40 17.70 43.11 11.62 54.72 14.49 69.21 8.92 78.13 5.67 83.80 4.23 88.03 3.11 91.15 1.19 92.34 0.94 93.28 1.01 94.30 1.01 95.31 1.19 96.50 0.66 97.17 0.80 97.97 0.56 98.53 0.45 98.99 0.63 99.62 0.38 100.00

410.84 88.29 201.16 225.51 401.49 389.26 386.97 385.81 322.21 129.17 131.32 197.52 200.51 250.48 93.38 181.25 289.86 70.60 320.02 47.53 4,723.17

410.84 499.13 700.29 925.80 1,327.29 1,716.55 2,103.53 2,489.33 2,811.55 2,940.71 3,072.04 3,269.56 3,470.07 3,720.54 3,813.92 3,995.17 4,285.03 4,355.62 4,675.64 4,723.17

8.70 8.70 1.87 10.57 4.26 14.83 4.77 19.60 8.50 28.10 8.24 36.34 8.19 44.54 8.17 52.70 6.82 59.53 2.73 62.26 2.78 65.04 4.18 69.22 4.25 73.47 5.30 78.77 1.98 80.75 3.84 84.59 6.14 90.72 1.49 92.22 6.78 98.99 1.01 100.00

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

0 0 0 0 0 0 3 3 3 3 6 6 6 8 8 8 11 11 14 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 21.43 21.43 0.00 21.43 0.00 21.43 0.00 21.43 21.43 42.86 0.00 42.86 0.00 42.86 14.29 57.14 0.00 57.14 0.00 57.14 21.43 78.57 0.00 78.57 21.43 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 394.80 0.00 0.00 0.00 10.36 0.00 0.00 7.75 0.00 0.00 856.52 0.00 67.82 0.00 1,337.25

0.00 0.00 0.00 0.00 0.00 0.00 394.80 394.80 394.80 394.80 405.16 405.16 405.16 412.90 412.90 412.90 1,269.43 1,269.43 1,337.25 1,337.25

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29.52 29.52 102.02 0.00 29.52 0.00 0.00 29.52 0.00 0.00 29.52 0.00 0.77 30.30 7.89 0.00 30.30 0.00 0.00 30.30 0.00 0.58 30.88 3.09 0.00 30.88 0.00 0.00 30.88 0.00 64.05 94.93 295.50 0.00 94.93 0.00 5.07 100.00 21.19 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 18.77 15.86 14.04 13.43 13.19 12.39 11.68 11.10 10.83 10.34 29.62 29.14 28.60 28.31

28.31

Page 100 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 31 - GORONTALO

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 338 412 525 374 340 242 119 136 58 39 35 28 15 32 19 9 25 2 8 0 2,756

338 750 1,275 1,649 1,989 2,231 2,350 2,486 2,544 2,583 2,618 2,646 2,661 2,693 2,712 2,721 2,746 2,748 2,756 2,756

12.26 12.26 14.95 27.21 19.05 46.26 13.57 59.83 12.34 72.17 8.78 80.95 4.32 85.27 4.93 90.20 2.10 92.31 1.42 93.72 1.27 94.99 1.02 96.01 0.54 96.55 1.16 97.71 0.69 98.40 0.33 98.73 0.91 99.64 0.07 99.71 0.29 100.00 0.00 100.00

93.49 113.33 204.16 230.13 314.72 391.55 313.81 420.87 297.79 161.13 204.38 226.60 185.98 293.19 145.62 177.71 151.50 12.52 0.00 0.00 3,938.49

93.49 206.82 410.98 641.11 955.83 1,347.38 1,661.19 2,082.06 2,379.85 2,540.98 2,745.37 2,971.97 3,157.94 3,451.14 3,596.76 3,774.47 3,925.97 3,938.49 3,938.49 3,938.49

2.37 2.37 2.88 5.25 5.18 10.44 5.84 16.28 7.99 24.27 9.94 34.21 7.97 42.18 10.69 52.86 7.56 60.43 4.09 64.52 5.19 69.71 5.75 75.46 4.72 80.18 7.44 87.63 3.70 91.32 4.51 95.84 3.85 99.68 0.32 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 4 2 0 7 0 0 0 0 2 0 0 0 5 0 0 0 0 0 20

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

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

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

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 93.75 14.85 0.00 30.94 0.00 0.00 0.00 0.00 84.07 0.00 0.00 0.00 73.04 0.00 0.00 0.00 0.00 0.00 296.65

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

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

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

0.00 0.00 45.92 6.45 0.00 7.90 0.00 0.00 0.00 0.00 41.13 0.00 0.00 0.00 50.16 0.00 0.00 0.00 0.00 0.00

0.00 0.00 22.81 16.94 11.36 10.36 8.40 6.70 5.86 5.49 8.14 7.52 7.08 6.48 8.25 7.86 7.56 7.53 7.53 7.53

7.53

Page 101 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2009 32 - KEPULAUAN RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,982 2,498 3,903 2,629 2,725 1,197 739 573 288 161 144 155 97 126 120 160 144 64 111 37 17,853

1,982 4,480 8,383 11,012 13,737 14,934 15,673 16,246 16,534 16,695 16,839 16,994 17,091 17,217 17,337 17,497 17,641 17,705 17,816 17,853

11.10 11.10 13.99 25.09 21.86 46.96 14.73 61.68 15.26 76.95 6.70 83.65 4.14 87.79 3.21 91.00 1.61 92.61 0.90 93.51 0.81 94.32 0.87 95.19 0.54 95.73 0.71 96.44 0.67 97.11 0.90 98.01 0.81 98.81 0.36 99.17 0.62 99.79 0.21 100.00

1,637.62 463.57 1,068.70 1,551.27 3,200.07 1,930.17 1,530.00 1,612.98 1,170.06 1,234.89 2,252.90 838.78 857.26 1,123.20 1,019.92 1,927.70 2,361.53 1,283.06 4,084.56 1,346.60 32,494.84

1,637.62 2,101.19 3,169.89 4,721.17 7,921.23 9,851.40 11,381.41 12,994.38 14,164.44 15,399.33 17,652.24 18,491.01 19,348.27 20,471.48 21,491.40 23,419.10 25,780.63 27,063.69 31,148.24 32,494.84

5.04 5.04 1.43 6.47 3.29 9.76 4.77 14.53 9.85 24.38 5.94 30.32 4.71 35.03 4.96 39.99 3.60 43.59 3.80 47.39 6.93 54.32 2.58 56.90 2.64 59.54 3.46 63.00 3.14 66.14 5.93 72.07 7.27 79.34 3.95 83.29 12.57 95.86 4.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 16 5 2 0 3 2 4 0 0 0 0 8 0 8 10 13 8 9 39 12 139

16 21 23 23 26 28 32 32 32 32 32 40 40 48 58 71 79 88 127 139

11.51 11.51 3.60 15.11 1.44 16.55 0.00 16.55 2.16 18.71 1.44 20.14 2.88 23.02 0.00 23.02 0.00 23.02 0.00 23.02 0.00 23.02 5.76 28.78 0.00 28.78 5.76 34.53 7.19 41.73 9.35 51.08 5.76 56.83 6.47 63.31 28.06 91.37 8.63 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

462.03 137.50 0.00 0.00 122.40 13.00 200.15 0.00 0.00 0.00 0.00 9.62 0.00 67.99 32.07 974.88 83.41 225.69 54,194.11 849.39

28.21 29.66 0.00 0.00 3.82 0.67 13.08 0.00 0.00 0.00 0.00 1.15 0.00 6.05 3.14 50.57 3.53 17.59 1,326.80 63.08

57,372.26

462.03 599.53 599.53 599.53 721.93 734.93 935.08 935.08 935.08 935.08 935.08 944.70 944.70 1,012.69 1,044.77 2,019.65 2,103.07 2,328.76 56,522.87 57,372.26

0.81 0.81 0.24 1.04 0.00 1.04 0.00 1.04 0.21 1.26 0.02 1.28 0.35 1.63 0.00 1.63 0.00 1.63 0.00 1.63 0.00 1.63 0.02 1.65 0.00 1.65 0.12 1.77 0.06 1.82 1.70 3.52 0.15 3.67 0.39 4.06 94.46 98.52 1.48 100.00

28.21 28.53 18.91 12.70 9.11 7.46 8.22 7.20 6.60 6.07 5.30 5.11 4.88 4.95 4.86 8.62 8.16 8.60 181.46 176.56

176.56

Page 102 of 204

RISK AND LOSS PROFILE 2010

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 172,249 149,521 219,325 142,432 168,033 93,139 72,678 56,536 33,053 18,639 15,073 17,942 12,410 16,485 10,496 16,811 15,054 7,244 8,569 3,139 1,248,828

172,249 321,770 541,095 683,527 851,560 944,699 1,017,377 1,073,913 1,106,966 1,125,605 1,140,678 1,158,620 1,171,030 1,187,515 1,198,011 1,214,822 1,229,876 1,237,120 1,245,689 1,248,828

13.79 13.79 11.97 25.77 17.56 43.33 11.41 54.73 13.46 68.19 7.46 75.65 5.82 81.47 4.53 85.99 2.65 88.64 1.49 90.13 1.21 91.34 1.44 92.78 0.99 93.77 1.32 95.09 0.84 95.93 1.35 97.28 1.21 98.48 0.58 99.06 0.69 99.75 0.25 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 112,733.95 31,068.25 74,939.48 71,982.82 140,546.53 111,983.70 117,319.10 123,537.25 96,645.63 66,739.60 60,655.58 84,152.96 67,933.13 109,382.92 88,445.16 192,905.39 201,135.07 102,425.96 141,784.44 54,951.24 2,051,268.16

112,733.95 143,802.20 218,741.68 290,724.50 431,271.03 543,254.73 660,573.82 784,111.08 880,756.71 947,496.31 1,008,151.88 1,092,304.85 1,160,237.98 1,269,620.90 1,358,066.06 1,550,971.44 1,752,106.51 1,854,532.48 1,996,316.92 2,051,268.15

5.50 5.50 1.51 7.01 3.65 10.66 3.51 14.17 6.85 21.02 5.46 26.48 5.72 32.20 6.02 38.23 4.71 42.94 3.25 46.19 2.96 49.15 4.10 53.25 3.31 56.56 5.33 61.89 4.31 66.21 9.40 75.61 9.81 85.42 4.99 90.41 6.91 97.32 2.68 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2200 2,200 330 2,530 575 3,105 427 3,532 632 4,164 453 4,617 399 5,016 430 5,446 380 5,826 221 6,047 247 6,294 285 6,579 219 6,798 571 7,369 435 7,804 1070 8,874 980 9,854 790 10,644 1572 12,216 765 12,981 12,981

: : :

01/01/2010 15/06/2012 15/11/2012

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

16.95 16.95 1,027,217.79 1,027,217.79 2.54 19.49 7,509.83 1,034,727.62 4.43 23.92 22,885.84 1,057,613.46 3.29 27.21 13,170.31 1,070,783.76 4.87 32.08 28,292.17 1,099,075.94 3.49 35.57 21,567.67 1,120,643.61 3.07 38.64 29,369.32 1,150,012.93 3.31 41.95 24,220.29 1,174,233.22 2.93 44.88 27,407.60 1,201,640.82 1.70 46.58 20,021.01 1,221,661.83 1.90 48.49 23,800.93 1,245,462.77 2.20 50.68 16,461.22 1,261,923.99 1.69 52.37 13,151.47 1,275,075.45 4.40 56.77 96,159.81 1,371,235.27 3.35 60.12 48,671.37 1,419,906.64 8.24 68.36 90,771.25 1,510,677.89 7.55 75.91 132,866.86 1,643,544.75 6.09 82.00 157,006.17 1,800,550.92 12.11 94.11 502,699.92 2,303,250.84 5.89 100.00 211,486.96 2,514,737.80 2,514,737.79

40.85 40.85 0.30 41.15 0.91 42.06 0.52 42.58 1.13 43.71 0.86 44.56 1.17 45.73 0.96 46.69 1.09 47.78 0.80 48.58 0.95 49.53 0.65 50.18 0.52 50.70 3.82 54.53 1.94 56.46 3.61 60.07 5.28 65.36 6.24 71.60 19.99 91.59 8.41 100.00

911.19 24.17 30.54 18.30 20.13 19.26 25.03 19.61 28.36 30.00 39.24 19.56 19.36 87.91 55.03 47.05 66.06 153.29 354.55 384.86

911.19 719.55 483.50 368.32 254.85 206.28 174.09 149.75 136.43 128.94 123.54 115.53 109.90 108.00 104.55 97.40 93.80 97.09 115.38 122.59

122.59

Page 103 of 204

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

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

: : :

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

FIRE (FR) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 130,167 133,831 191,165 123,694 138,102 69,482 46,616 35,040 18,983 9,698 7,467 8,155 5,283 6,409 3,604 5,146 4,136 1,824 2,006 1,022 941,830

130,167 263,998 455,163 578,857 716,959 786,441 833,057 868,097 887,080 896,778 904,245 912,400 917,683 924,092 927,696 932,842 936,978 938,802 940,808 941,830

13.82 13.82 14.21 28.03 20.30 48.33 13.13 61.46 14.66 76.12 7.38 83.50 4.95 88.45 3.72 92.17 2.02 94.19 1.03 95.22 0.79 96.01 0.87 96.88 0.56 97.44 0.68 98.12 0.38 98.50 0.55 99.05 0.44 99.48 0.19 99.68 0.21 99.89 0.11 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 60,205.64 26,916.11 66,566.15 68,287.53 119,890.94 90,631.18 87,020.73 88,414.63 64,529.28 41,454.78 36,370.48 47,116.82 35,900.99 53,799.00 38,336.05 73,570.99 56,218.87 22,567.82 16,604.62 7,534.14 1,101,936.75

60,205.64 87,121.75 153,687.89 221,975.42 341,866.36 432,497.54 519,518.28 607,932.91 672,462.19 713,916.97 750,287.45 797,404.27 833,305.26 887,104.26 925,440.31 999,011.30 1,055,230.17 1,077,797.98 1,094,402.61 1,101,936.75

5.46 5.46 2.44 7.91 6.04 13.95 6.20 20.14 10.88 31.02 8.22 39.25 7.90 47.15 8.02 55.17 5.86 61.03 3.76 64.79 3.30 68.09 4.28 72.36 3.26 75.62 4.88 80.50 3.48 83.98 6.68 90.66 5.10 95.76 2.05 97.81 1.51 99.32 0.68 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

637 248 395 256 344 227 135 163 133 83 79 103 77 140 147 492 233 213 290 208

462,758.32 5,862.08 15,562.66 10,418.46 18,745.10 15,447.15 15,414.60 10,849.91 16,517.90 13,976.56 10,788.49 7,576.39 10,361.73 20,951.64 12,918.11 34,268.54 29,711.30 24,970.23 59,183.61 18,787.01

4,603

637 885 1,280 1,536 1,880 2,107 2,242 2,405 2,538 2,621 2,700 2,803 2,880 3,020 3,167 3,659 3,892 4,105 4,395 4,603

13.84 13.84 5.39 19.23 8.58 27.81 5.56 33.37 7.47 40.84 4.93 45.77 2.93 48.71 3.54 52.25 2.89 55.14 1.80 56.94 1.72 58.66 2.24 60.90 1.67 62.57 3.04 65.61 3.19 68.80 10.69 79.49 5.06 84.55 4.63 89.18 6.30 95.48 4.52 100.00

815,069.81

462,758.32 468,620.41 484,183.07 494,601.53 513,346.64 528,793.78 544,208.38 555,058.30 571,576.20 585,552.75 596,341.25 603,917.63 614,279.36 635,231.00 648,149.12 682,417.66 712,128.96 737,099.19 796,282.80 815,069.81

56.78 56.78 0.72 57.49 1.91 59.40 1.28 60.68 2.30 62.98 1.90 64.88 1.89 66.77 1.33 68.10 2.03 70.13 1.71 71.84 1.32 73.16 0.93 74.09 1.27 75.37 2.57 77.94 1.58 79.52 4.20 83.73 3.65 87.37 3.06 90.43 7.26 97.70 2.30 100.00

768.63 21.78 23.38 15.26 15.64 17.04 17.71 12.27 25.60 33.72 29.66 16.08 28.86 38.94 33.70 46.58 52.85 110.65 356.43 249.36

768.63 537.89 315.04 222.82 150.16 122.27 104.75 91.30 85.00 82.02 79.48 75.74 73.72 71.61 70.04 68.31 67.49 68.39 72.76 73.97

73.97

Page 104 of 204

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

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

: : :

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

INDUSTRIAL ALL RISK (IAR) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 24,144 8,615 14,450 10,594 17,991 14,582 15,991 13,725 8,865 5,625 4,762 5,955 4,164 5,956 3,894 6,663 6,030 3,049 3,623 1,134 179,812

24,144 32,759 47,209 57,803 75,794 90,376 106,367 120,092 128,957 134,582 139,344 145,299 149,463 155,419 159,313 165,976 172,006 175,055 178,678 179,812

13.43 13.43 4.79 18.22 8.04 26.25 5.89 32.15 10.01 42.15 8.11 50.26 8.89 59.15 7.63 66.79 4.93 71.72 3.13 74.85 2.65 77.49 3.31 80.81 2.32 83.12 3.31 86.43 2.17 88.60 3.71 92.31 3.35 95.66 1.70 97.35 2.01 99.37 0.63 100.00

27,243.64 2,427.43 4,545.51 (211.31) 12,792.07 13,129.94 18,387.95 22,660.12 20,745.01 16,361.88 15,695.63 23,286.62 19,451.59 33,000.92 29,593.58 65,031.09 74,129.01 39,154.10 49,280.55 31,021.64 517,726.95

27,243.64 29,671.07 34,216.58 34,005.28 46,797.35 59,927.29 78,315.24 100,975.36 121,720.37 138,082.25 153,777.87 177,064.49 196,516.08 229,516.99 259,110.57 324,141.66 398,270.67 437,424.77 486,705.31 517,726.95

5.26 5.26 0.47 5.73 0.88 6.61 (0.04) 6.57 2.47 9.04 2.54 11.58 3.55 15.13 4.38 19.50 4.01 23.51 3.16 26.67 3.03 29.70 4.50 34.20 3.76 37.96 6.37 44.33 5.72 50.05 12.56 62.61 14.32 76.93 7.56 84.49 9.52 94.01 5.99 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,563 80 180 167 279 221 262 263 244 138 166 179 137 431 288 574 745 570 1,280 553 8,320

1,563 1,643 1,823 1,990 2,269 2,490 2,752 3,015 3,259 3,397 3,563 3,742 3,879 4,310 4,598 5,172 5,917 6,487 7,767 8,320

18.79 18.79 0.96 19.75 2.16 21.91 2.01 23.92 3.35 27.27 2.66 29.93 3.15 33.08 3.16 36.24 2.93 39.17 1.66 40.83 2.00 42.82 2.15 44.98 1.65 46.62 5.18 51.80 3.46 55.26 6.90 62.16 8.95 71.12 6.85 77.97 15.38 93.35 6.65 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

564,459.46 564,459.46 1,634.03 566,093.49 7,323.18 573,416.67 2,730.60 576,147.26 9,476.12 585,623.38 5,896.01 591,519.39 13,919.71 605,439.10 13,334.73 618,773.83 10,852.37 629,626.20 6,044.46 635,670.66 12,896.95 648,567.61 8,762.52 657,330.13 2,593.91 659,924.03 75,208.17 735,132.21 35,753.26 770,885.46 56,490.00 827,375.46 103,005.95 930,381.41 130,928.09 1,061,309.50 443,515.12 1,504,824.62 192,669.69 1,697,494.31

2,071.89 67.32 161.11 (1,292.25) 74.08 44.91 75.70 58.85 52.31 36.94 82.17 37.63 13.34 227.90 120.81 86.87 138.95 334.39 899.98 621.08

1,697,494.31

33.25 33.25 0.10 33.35 0.43 33.78 0.16 33.94 0.56 34.50 0.35 34.85 0.82 35.67 0.79 36.45 0.64 37.09 0.36 37.45 0.76 38.21 0.52 38.72 0.15 38.88 4.43 43.31 2.11 45.41 3.33 48.74 6.07 54.81 7.71 62.52 26.13 88.65 11.35 100.00

2,071.89 1,907.90 1,675.84 1,694.29 1,251.40 987.06 773.08 612.80 517.27 460.36 421.76 371.24 335.81 320.30 297.51 255.25 233.61 242.63 309.19 327.87

327.87

Page 105 of 204

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

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

: : :

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

LOSS OF PROFIT (LOP) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3 1 3 1 5 4 4 4 2 2 3 4 4 9 10 22 26 10 18 10 145

3 4 7 8 13 17 21 25 27 29 32 36 40 49 59 81 107 117 135 145

2.07 2.07 0.69 2.76 2.07 4.83 0.69 5.52 3.45 8.97 2.76 11.72 2.76 14.48 2.76 17.24 1.38 18.62 1.38 20.00 2.07 22.07 2.76 24.83 2.76 27.59 6.21 33.79 6.90 40.69 15.17 55.86 17.93 73.79 6.90 80.69 12.41 93.10 6.90 100.00

2.02 0.01 0.57 0.42 2.12 3.20 5.08 4.77 6.00 0.03 5.91 5.98 9.07 18.39 60.79 63.89 64.77 15.63 94.14 17.19 379.95

2.02 2.03 2.60 3.02 5.14 8.34 13.41 18.18 24.18 24.21 30.12 36.09 45.16 63.55 124.34 188.23 253.00 268.63 362.77 379.95

0.53 0.53 0.00 0.53 0.15 0.68 0.11 0.79 0.56 1.35 0.84 2.19 1.34 3.53 1.26 4.79 1.58 6.36 0.01 6.37 1.56 7.93 1.57 9.50 2.39 11.89 4.84 16.72 16.00 32.72 16.82 49.54 17.05 66.59 4.11 70.70 24.78 95.48 4.52 100.00

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

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

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.61 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.61 100.00 100.00 231.00 149.61 0.00 100.00 0.00 149.61 0.00 100.00 0.00 149.61 0.00 100.00 0.00

149.61

39.38

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 59.14 55.70 41.24 39.38

Page 106 of 204

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

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

: : :

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

EARTHQUAKE (EQ) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 17,935 7,074 13,707 8,144 11,934 9,071 10,067 7,767 5,203 3,314 2,841 3,828 2,959 4,111 2,988 4,980 4,862 2,361 2,922 973 127,041

17,935 25,009 38,716 46,860 58,794 67,865 77,932 85,699 90,902 94,216 97,057 100,885 103,844 107,955 110,943 115,923 120,785 123,146 126,068 127,041

14.12 14.12 5.57 19.69 10.79 30.48 6.41 36.89 9.39 46.28 7.14 53.42 7.92 61.34 6.11 67.46 4.10 71.55 2.61 74.16 2.24 76.40 3.01 79.41 2.33 81.74 3.24 84.98 2.35 87.33 3.92 91.25 3.83 95.08 1.86 96.93 2.30 99.23 0.77 100.00

25,282.65 1,724.70 3,827.25 3,906.59 7,860.97 8,219.39 11,905.34 12,457.73 11,365.34 8,922.92 8,583.56 13,743.55 12,571.49 22,564.62 20,454.74 54,239.42 70,722.43 40,688.42 75,805.13 16,378.26 431,224.50

25,282.65 27,007.35 30,834.61 34,741.20 42,602.17 50,821.56 62,726.89 75,184.63 86,549.96 95,472.88 104,056.44 117,799.99 130,371.48 152,936.10 173,390.84 227,630.26 298,352.68 339,041.10 414,846.23 431,224.50

5.86 5.86 0.40 6.26 0.89 7.15 0.91 8.06 1.82 9.88 1.91 11.79 2.76 14.55 2.89 17.44 2.64 20.07 2.07 22.14 1.99 24.13 3.19 27.32 2.92 30.23 5.23 35.47 4.74 40.21 12.58 52.79 16.40 69.19 9.44 78.62 17.58 96.20 3.80 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 2 0 4 9 5 2 4 3 0 2 3 5 0 0 4 0 7 2 4 56

0 2 2 6 15 20 22 26 29 29 31 34 39 39 39 43 43 50 52 56

0.00 0.00 3.57 3.57 0.00 3.57 7.14 10.71 16.07 26.79 8.93 35.71 3.57 39.29 7.14 46.43 5.36 51.79 0.00 51.79 3.57 55.36 5.36 60.71 8.93 69.64 0.00 69.64 0.00 69.64 7.14 76.79 0.00 76.79 12.50 89.29 3.57 92.86 7.14 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 13.72 0.00 21.25 70.95 224.52 35.01 35.65 37.33 0.00 115.49 122.31 195.83 0.00 0.00 12.71 0.00 1,107.85 1.19 30.25 2,024.06

0.00 13.72 13.72 34.97 105.92 330.43 365.44 401.09 438.42 438.42 553.91 676.22 872.06 872.06 872.06 884.77 884.77 1,992.62 1,993.81 2,024.06

0.00 0.00 0.68 0.68 0.00 0.68 1.05 1.73 3.51 5.23 11.09 16.33 1.73 18.05 1.76 19.82 1.84 21.66 0.00 21.66 5.71 27.37 6.04 33.41 9.68 43.08 0.00 43.08 0.00 43.08 0.63 43.71 0.00 43.71 54.73 98.45 0.06 98.51 1.49 100.00

0.00 0.80 0.00 0.54 0.90 2.73 0.29 0.29 0.33 0.00 1.35 0.89 1.56 0.00 0.00 0.02 0.00 2.72 0.00 0.18

0.00 0.05 0.04 0.10 0.25 0.65 0.58 0.53 0.51 0.46 0.53 0.57 0.67 0.57 0.50 0.39 0.30 0.59 0.48 0.47

0.47

Page 107 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2010 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 155 38 72 65 131 93 54 141 69 84 64 94 65 108 70 155 212 163 227 148 2,208

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

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

1,303.12 6.93 32.63 59.99 100.35 88.86 151.13 307.52 154.43 257.84 161.15 326.76 318.13 553.72 482.33 1,486.92 3,174.09 1,786.61 2,579.17 (4,693.37) 8,638.28

1,303.12 15.09 1,310.05 0.08 1,342.68 0.38 1,402.67 0.69 1,503.02 1.16 1,591.87 1.03 1,743.00 1.75 2,050.52 3.56 2,204.95 1.79 2,462.79 2.98 2,623.94 1.87 2,950.70 3.78 3,268.83 3.68 3,822.54 6.41 4,304.87 5.58 5,791.79 17.21 8,965.88 36.74 10,752.49 20.68 13,331.65 29.86 8,638.28 (54.33)

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 22 0 2 0 0 4 0 0 0 0 0 2 0 0 5 13 49 39 55 59 250

22 22 24 24 24 28 28 28 28 28 28 30 30 30 35 48 97 136 191 250

8.80 8.80 0.00 8.80 0.80 9.60 0.00 9.60 0.00 9.60 1.60 11.20 0.00 11.20 0.00 11.20 0.00 11.20 0.00 11.20 0.00 11.20 0.80 12.00 0.00 12.00 0.00 12.00 2.00 14.00 5.20 19.20 19.60 38.80 15.60 54.40 22.00 76.40 23.60 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

9,973.16 0.00 8.05 0.00 0.00 47.16 0.00 0.00 0.00 0.00 0.00 7.26 0.00 0.00 15.51 1,017.54 5,011.77 3,627.51 27,999.11 1,737.70

765.33 0.00 24.68 0.00 0.00 53.08 0.00 0.00 0.00 0.00 0.00 2.22 0.00 0.00 3.22 68.43 157.90 203.04 1,085.59 (37.02)

49,444.77

9,973.16 9,973.16 9,981.21 9,981.21 9,981.21 10,028.37 10,028.37 10,028.37 10,028.37 10,028.37 10,028.37 10,035.63 10,035.63 10,035.63 10,051.14 11,068.67 16,080.45 19,707.95 47,707.07 49,444.77

20.17 20.17 0.00 20.17 0.02 20.19 0.00 20.19 0.00 20.19 0.10 20.28 0.00 20.28 0.00 20.28 0.00 20.28 0.00 20.28 0.00 20.28 0.01 20.30 0.00 20.30 0.00 20.30 0.03 20.33 2.06 22.39 10.14 32.52 7.34 39.86 56.63 96.49 3.51 100.00

765.33 761.28 743.38 711.59 664.08 629.97 575.35 489.06 454.81 407.20 382.19 340.11 307.01 262.54 233.48 191.11 179.35 183.29 357.85 572.39

572.39

Page 108 of 204

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

: : :

TOTAL FR, IAR, LOP, EQ 2010 21 Stone, Earth, (Animal) Bones or Shells

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 618 91 122 106 182 106 111 198 116 81 87 105 76 133 97 164 246 134 223 77 3,073

618 709 831 937 1,119 1,225 1,336 1,534 1,650 1,731 1,818 1,923 1,999 2,132 2,229 2,393 2,639 2,773 2,996 3,073

20.11 20.11 2.96 23.07 3.97 27.04 3.45 30.49 5.92 36.41 3.45 39.86 3.61 43.48 6.44 49.92 3.77 53.69 2.64 56.33 2.83 59.16 3.42 62.58 2.47 65.05 4.33 69.38 3.16 72.53 5.34 77.87 8.01 85.88 4.36 90.24 7.26 97.49 2.51 100.00

1,011.95 55.52 42.85 61.17 141.54 101.63 153.85 418.28 392.13 268.20 352.20 525.89 445.30 729.94 822.52 1,702.97 3,158.96 1,436.01 3,305.09 2,752.64 17,878.66

1,011.95 1,067.48 1,110.33 1,171.50 1,313.05 1,414.67 1,568.53 1,986.81 2,378.94 2,647.15 2,999.35 3,525.23 3,970.53 4,700.47 5,522.99 7,225.96 10,384.92 11,820.93 15,126.02 17,878.66

5.66 5.66 0.31 5.97 0.24 6.21 0.34 6.55 0.79 7.34 0.57 7.91 0.86 8.77 2.34 11.11 2.19 13.31 1.50 14.81 1.97 16.78 2.94 19.72 2.49 22.21 4.08 26.29 4.60 30.89 9.53 40.42 17.67 58.09 8.03 66.12 18.49 84.60 15.40 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 27 0 0 0 2 2 0 2 0 0 4 6 0 7 4 10 12 30 38 15 159

27 27 27 27 29 31 31 33 33 33 37 43 43 50 54 64 76 106 144 159

16.98 16.98 0.00 16.98 0.00 16.98 0.00 16.98 1.26 18.24 1.26 19.50 0.00 19.50 1.26 20.75 0.00 20.75 0.00 20.75 2.52 23.27 3.77 27.04 0.00 27.04 4.40 31.45 2.52 33.96 6.29 40.25 7.55 47.80 18.87 66.67 23.90 90.57 9.43 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,382.05 0.00 0.00 0.00 52.45 0.78 0.00 99.66 0.00 0.00 81.36 835.27 0.00 297.69 586.76 2,736.85 370.71 10,671.43 2,426.54 4,733.06 25,274.61

2,382.05 2,382.05 2,382.05 2,382.05 2,434.50 2,435.28 2,435.28 2,534.94 2,534.94 2,534.94 2,616.30 3,451.57 3,451.57 3,749.26 4,336.02 7,072.87 7,443.58 18,115.01 20,541.55 25,274.61

9.42 9.42 0.00 9.42 0.00 9.42 0.00 9.42 0.21 9.63 0.00 9.64 0.00 9.64 0.39 10.03 0.00 10.03 0.00 10.03 0.32 10.35 3.30 13.66 0.00 13.66 1.18 14.83 2.32 17.16 10.83 27.98 1.47 29.45 42.22 71.67 9.60 81.27 18.73 100.00

235.39 0.00 0.00 0.00 37.05 0.77 0.00 23.83 0.00 0.00 23.10 158.83 0.00 40.78 71.34 160.71 11.74 743.13 73.42 171.95

235.39 223.15 214.54 203.33 185.41 172.14 155.26 127.59 106.56 95.76 87.23 97.91 86.93 79.76 78.51 97.88 71.68 153.25 135.80 141.37

141.37

Page 109 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 22 Metals (Logam)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

1,757 289 489 390 1,023 624 704 757 558 400 299 492 369 670 451 918 989 463 772 381

101 5 0 2 4 5 0 4 8 13 16 10 12 23 39 34 45 35 132 101

12,976.26 165.01 0.00 5.00 85.47 54.58 0.00 81.89 671.79 221.93 2,426.14 234.10 (21.78) 11,543.47 4,734.11 2,826.77 4,943.77 1,140.62 58,351.36 9,404.53

12,795

1,757 2,046 2,535 2,925 3,948 4,572 5,276 6,033 6,591 6,991 7,290 7,782 8,151 8,821 9,272 10,190 11,179 11,642 12,414 12,795

13.73 13.73 2.26 15.99 3.82 19.81 3.05 22.86 8.00 30.86 4.88 35.73 5.50 41.23 5.92 47.15 4.36 51.51 3.13 54.64 2.34 56.98 3.85 60.82 2.88 63.70 5.24 68.94 3.52 72.47 7.17 79.64 7.73 87.37 3.62 90.99 6.03 97.02 2.98 100.00

4,030.49 220.03 310.43 296.07 612.65 670.28 988.48 1,389.14 1,484.20 1,212.05 937.79 2,366.56 2,062.91 4,454.77 4,106.91 9,916.87 12,111.57 7,838.75 11,288.27 2,392.70 68,690.93

4,030.49 4,250.52 4,560.95 4,857.03 5,469.67 6,139.95 7,128.43 8,517.57 10,001.78 11,213.82 12,151.61 14,518.18 16,581.09 21,035.85 25,142.76 35,059.63 47,171.20 55,009.96 66,298.23 68,690.93

5.87 5.87 0.32 6.19 0.45 6.64 0.43 7.07 0.89 7.96 0.98 8.94 1.44 10.38 2.02 12.40 2.16 14.56 1.76 16.33 1.37 17.69 3.45 21.14 3.00 24.14 6.49 30.62 5.98 36.60 14.44 51.04 17.63 68.67 11.41 80.08 16.43 96.52 3.48 100.00

589

101 106 106 108 112 117 117 121 129 142 158 168 180 203 242 276 321 356 488 589

17.15 17.15 0.85 18.00 0.00 18.00 0.34 18.34 0.68 19.02 0.85 19.86 0.00 19.86 0.68 20.54 1.36 21.90 2.21 24.11 2.72 26.83 1.70 28.52 2.04 30.56 3.90 34.47 6.62 41.09 5.77 46.86 7.64 54.50 5.94 60.44 22.41 82.85 17.15 100.00

109,845.00

12,976.26 13,141.27 13,141.27 13,146.27 13,231.74 13,286.33 13,286.33 13,368.22 14,040.00 14,261.93 16,688.07 16,922.16 16,900.38 28,443.85 33,177.96 36,004.73 40,948.49 42,089.11 100,440.47 109,845.00

11.81 11.81 0.15 11.96 0.00 11.96 0.00 11.97 0.08 12.05 0.05 12.10 0.00 12.10 0.07 12.17 0.61 12.78 0.20 12.98 2.21 15.19 0.21 15.41 (0.02) 15.39 10.51 25.89 4.31 30.20 2.57 32.78 4.50 37.28 1.04 38.32 53.12 91.44 8.56 100.00

321.95 75.00 0.00 1.69 13.95 8.14 0.00 5.90 45.26 18.31 258.71 9.89 (1.06) 259.13 115.27 28.50 40.82 14.55 516.92 393.05

321.95 309.17 288.13 270.67 241.91 216.39 186.38 156.95 140.38 127.18 137.33 116.56 101.93 135.22 131.96 102.70 86.81 76.51 151.50 159.91

159.91

Page 110 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 23 Chemical / Oil / Gas (Kimia / Minyak / Gas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

1,123 172 381 413 719 710 817 949 765 540 494 718 606 967 677 1,239 1,299 736 796 395

106 0 6 4 10 7 4 8 25 10 7 10 9 26 28 57 91 43 82 42

76,829.96 0.00 199.28 319.47 2,922.99 362.20 58.34 1,259.74 6,130.55 2,191.11 276.85 489.48 152.49 4,333.60 399.73 2,456.62 8,999.12 1,907.20 9,074.51 4,605.48

1,013.03 0.00 38.79 38.08 252.42 23.75 2.82 44.00 229.37 99.94 10.94 11.89 3.75 53.95 6.07 15.08 47.08 22.04 74.89 60.91

14,516

1,123 1,295 1,676 2,089 2,808 3,518 4,335 5,284 6,049 6,589 7,083 7,801 8,407 9,374 10,051 11,290 12,589 13,325 14,121 14,516

7.74 7.74 1.18 8.92 2.62 11.55 2.85 14.39 4.95 19.34 4.89 24.24 5.63 29.86 6.54 36.40 5.27 41.67 3.72 45.39 3.40 48.79 4.95 53.74 4.17 57.92 6.66 64.58 4.66 69.24 8.54 77.78 8.95 86.72 5.07 91.80 5.48 97.28 2.72 100.00

7,584.19 153.54 513.78 838.93 1,157.97 1,525.28 2,067.74 2,862.96 2,672.78 2,192.43 2,530.62 4,117.16 4,066.37 8,032.71 6,589.29 16,292.96 19,115.69 8,653.08 12,117.43 7,561.09 110,646.00

7,584.19 7,737.73 8,251.52 9,090.44 10,248.42 11,773.70 13,841.44 16,704.40 19,377.17 21,569.60 24,100.23 28,217.39 32,283.76 40,316.47 46,905.76 63,198.72 82,314.40 90,967.48 103,084.91 110,646.00

6.85 6.85 0.14 6.99 0.46 7.46 0.76 8.22 1.05 9.26 1.38 10.64 1.87 12.51 2.59 15.10 2.42 17.51 1.98 19.49 2.29 21.78 3.72 25.50 3.68 29.18 7.26 36.44 5.96 42.39 14.73 57.12 17.28 74.39 7.82 82.21 10.95 93.17 6.83 100.00

575

106 106 112 116 126 133 137 145 170 180 187 197 206 232 260 317 408 451 533 575

18.43 18.43 0.00 18.43 1.04 19.48 0.70 20.17 1.74 21.91 1.22 23.13 0.70 23.83 1.39 25.22 4.35 29.57 1.74 31.30 1.22 32.52 1.74 34.26 1.57 35.83 4.52 40.35 4.87 45.22 9.91 55.13 15.83 70.96 7.48 78.43 14.26 92.70 7.30 100.00

122,968.73

76,829.96 76,829.96 77,029.25 77,348.72 80,271.70 80,633.91 80,692.25 81,951.99 88,082.55 90,273.65 90,550.50 91,039.98 91,192.47 95,526.07 95,925.80 98,382.42 107,381.54 109,288.74 118,363.25 122,968.73

62.48 62.48 0.00 62.48 0.16 62.64 0.26 62.90 2.38 65.28 0.29 65.57 0.05 65.62 1.02 66.64 4.99 71.63 1.78 73.41 0.23 73.64 0.40 74.04 0.12 74.16 3.52 77.68 0.33 78.01 2.00 80.01 7.32 87.32 1.55 88.88 7.38 96.25 3.75 100.00

1,013.03 992.93 933.52 850.88 783.26 684.86 582.98 490.60 454.57 418.52 375.72 322.64 282.47 236.94 204.51 155.67 130.45 120.14 114.82 111.14

111.14

Page 111 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 24 Textiles (Tekstil)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

1,556 783 1,572 1,293 1,985 1,313 1,127 1,122 719 435 459 532 391 646 465 876 970 529 861 268

95 10 19 11 13 21 4 11 14 2 24 14 11 23 34 75 100 63 216 17

36,444.02 15.39 355.33 557.37 317.68 979.10 254.68 1,066.89 201.59 1.75 2,173.60 114.40 181.31 16,459.17 4,668.02 1,538.07 9,147.42 4,396.62 142,001.31 604.34

682.31 3.29 30.82 46.85 11.55 38.72 8.95 32.65 7.42 0.09 101.64 3.52 7.98 344.20 128.67 15.15 76.37 60.11 1,126.94 13.28

17,902

1,556 2,339 3,911 5,204 7,189 8,502 9,629 10,751 11,470 11,905 12,364 12,896 13,287 13,933 14,398 15,274 16,244 16,773 17,634 17,902

8.69 8.69 4.37 13.07 8.78 21.85 7.22 29.07 11.09 40.16 7.33 47.49 6.30 53.79 6.27 60.05 4.02 64.07 2.43 66.50 2.56 69.06 2.97 72.04 2.18 74.22 3.61 77.83 2.60 80.43 4.89 85.32 5.42 90.74 2.95 93.69 4.81 98.50 1.50 100.00

5,341.28 468.19 1,152.99 1,189.69 2,751.22 2,528.70 2,844.28 3,267.33 2,717.27 1,963.84 2,138.51 3,248.30 2,272.44 4,781.84 3,627.84 10,155.53 11,977.11 7,313.94 12,600.59 4,551.63 86,892.55

5,341.28 5,809.47 6,962.47 8,152.16 10,903.37 13,432.08 16,276.36 19,543.69 22,260.95 24,224.80 26,363.31 29,611.62 31,884.06 36,665.90 40,293.73 50,449.27 62,426.38 69,740.32 82,340.91 86,892.55

6.15 6.15 0.54 6.69 1.33 8.01 1.37 9.38 3.17 12.55 2.91 15.46 3.27 18.73 3.76 22.49 3.13 25.62 2.26 27.88 2.46 30.34 3.74 34.08 2.62 36.69 5.50 42.20 4.18 46.37 11.69 58.06 13.78 71.84 8.42 80.26 14.50 94.76 5.24 100.00

777

95 105 124 135 148 169 173 184 198 200 224 238 249 272 306 381 481 544 760 777

12.23 12.23 1.29 13.51 2.45 15.96 1.42 17.37 1.67 19.05 2.70 21.75 0.51 22.27 1.42 23.68 1.80 25.48 0.26 25.74 3.09 28.83 1.80 30.63 1.42 32.05 2.96 35.01 4.38 39.38 9.65 49.03 12.87 61.90 8.11 70.01 27.80 97.81 2.19 100.00

221,478.07

36,444.02 36,459.42 36,814.75 37,372.12 37,689.80 38,668.90 38,923.58 39,990.47 40,192.06 40,193.81 42,367.41 42,481.81 42,663.11 59,122.28 63,790.30 65,328.37 74,475.80 78,872.42 220,873.73 221,478.07

16.45 16.45 0.01 16.46 0.16 16.62 0.25 16.87 0.14 17.02 0.44 17.46 0.11 17.57 0.48 18.06 0.09 18.15 0.00 18.15 0.98 19.13 0.05 19.18 0.08 19.26 7.43 26.69 2.11 28.80 0.69 29.50 4.13 33.63 1.99 35.61 64.12 99.73 0.27 100.00

682.31 627.59 528.76 458.43 345.67 287.88 239.14 204.62 180.55 165.92 160.71 143.46 133.81 161.25 158.31 129.49 119.30 113.09 268.24 254.89

254.89

Page 112 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 25 Paper, Leather and Rubber (Kertas, Kulit dan Karet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

1,109 480 819 731 1,161 852 706 896 641 429 395 468 369 579 411 783 773 391 521 251

137 0 5 0 10 2 15 3 5 6 10 15 11 14 19 58 46 59 88 29

15,192.40 0.00 213.28 0.00 46.82 45.62 1,241.37 15.00 823.99 1,717.35 513.79 484.79 2,177.88 71.88 393.17 5,453.10 24,580.55 2,982.30 42,104.91 9,466.33

12,765

1,109 1,589 2,408 3,139 4,300 5,152 5,858 6,754 7,395 7,824 8,219 8,687 9,056 9,635 10,046 10,829 11,602 11,993 12,514 12,765

8.69 8.69 3.76 12.45 6.42 18.86 5.73 24.59 9.10 33.69 6.67 40.36 5.53 45.89 7.02 52.91 5.02 57.93 3.36 61.29 3.09 64.39 3.67 68.05 2.89 70.94 4.54 75.48 3.22 78.70 6.13 84.83 6.06 90.89 3.06 93.95 4.08 98.03 1.97 100.00

5,629.67 237.37 681.66 774.91 1,765.26 2,129.71 1,835.13 3,098.11 2,756.57 2,633.07 2,381.56 3,567.97 3,253.13 5,877.13 4,603.81 13,023.82 12,943.17 6,928.57 12,005.78 6,068.15 92,194.53

5,629.67 5,867.04 6,548.70 7,323.61 9,088.86 11,218.57 13,053.70 16,151.81 18,908.38 21,541.44 23,923.00 27,490.97 30,744.10 36,621.23 41,225.04 54,248.86 67,192.03 74,120.60 86,126.38 92,194.53

6.11 6.11 0.26 6.36 0.74 7.10 0.84 7.94 1.91 9.86 2.31 12.17 1.99 14.16 3.36 17.52 2.99 20.51 2.86 23.37 2.58 25.95 3.87 29.82 3.53 33.35 6.37 39.72 4.99 44.72 14.13 58.84 14.04 72.88 7.52 80.40 13.02 93.42 6.58 100.00

532

137 137 142 142 152 154 169 172 177 183 193 208 219 233 252 310 356 415 503 532

25.75 25.75 0.00 25.75 0.94 26.69 0.00 26.69 1.88 28.57 0.38 28.95 2.82 31.77 0.56 32.33 0.94 33.27 1.13 34.40 1.88 36.28 2.82 39.10 2.07 41.17 2.63 43.80 3.57 47.37 10.90 58.27 8.65 66.92 11.09 78.01 16.54 94.55 5.45 100.00

107,524.54

15,192.40 15,192.40 15,405.69 15,405.69 15,452.51 15,498.13 16,739.50 16,754.50 17,578.48 19,295.84 19,809.62 20,294.42 22,472.30 22,544.18 22,937.35 28,390.45 52,971.00 55,953.30 98,058.21 107,524.54

14.13 14.13 0.00 14.13 0.20 14.33 0.00 14.33 0.04 14.37 0.04 14.41 1.15 15.57 0.01 15.58 0.77 16.35 1.60 17.95 0.48 18.42 0.45 18.87 2.03 20.90 0.07 20.97 0.37 21.33 5.07 26.40 22.86 49.26 2.77 52.04 39.16 91.20 8.80 100.00

269.86 0.00 31.29 0.00 2.65 2.14 67.64 0.48 29.89 65.22 21.57 13.59 66.95 1.22 8.54 41.87 189.91 43.04 350.71 156.00

269.86 258.94 235.25 210.36 170.02 138.15 128.24 103.73 92.97 89.58 82.81 73.82 73.09 61.56 55.64 52.33 78.84 75.49 113.85 116.63

116.63

Page 113 of 204

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

: : :

TOTAL FR, IAR, LOP, EQ 2010 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

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

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,023 628 767 516 709 532 488 534 386 339 246 391 249 413 310 562 697 291 385 29 9,495

1,023 1,651 2,418 2,934 3,643 4,175 4,663 5,197 5,583 5,922 6,168 6,559 6,808 7,221 7,531 8,093 8,790 9,081 9,466 9,495

10.77 10.77 6.61 17.39 8.08 25.47 5.43 30.90 7.47 38.37 5.60 43.97 5.14 49.11 5.62 54.73 4.07 58.80 3.57 62.37 2.59 64.96 4.12 69.08 2.62 71.70 4.35 76.05 3.26 79.32 5.92 85.23 7.34 92.58 3.06 95.64 4.05 99.69 0.31 100.00

3,755.11 497.93 1,017.44 996.26 1,878.16 1,882.30 2,162.70 2,882.47 2,575.70 2,667.67 2,351.92 4,150.58 2,974.77 6,482.29 6,342.97 13,109.59 16,919.65 8,366.03 9,146.68 953.96 91,114.17

3,755.11 4,253.04 5,270.48 6,266.74 8,144.90 10,027.20 12,189.90 15,072.37 17,648.06 20,315.73 22,667.65 26,818.23 29,793.00 36,275.29 42,618.26 55,727.85 72,647.50 81,013.53 90,160.21 91,114.17

4.12 4.12 0.55 4.67 1.12 5.78 1.09 6.88 2.06 8.94 2.07 11.01 2.37 13.38 3.16 16.54 2.83 19.37 2.93 22.30 2.58 24.88 4.56 29.43 3.26 32.70 7.11 39.81 6.96 46.77 14.39 61.16 18.57 79.73 9.18 88.91 10.04 98.95 1.05 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 0 7 0 11 11 24 3 12 8 2 9 12 23 31 54 57 32 46 4 370

24 24 31 31 42 53 77 80 92 100 102 111 123 146 177 231 288 320 366 370

6.49 6.49 0.00 6.49 1.89 8.38 0.00 8.38 2.97 11.35 2.97 14.32 6.49 20.81 0.81 21.62 3.24 24.86 2.16 27.03 0.54 27.57 2.43 30.00 3.24 33.24 6.22 39.46 8.38 47.84 14.59 62.43 15.41 77.84 8.65 86.49 12.43 98.92 1.08 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 303.65 0.00 867.44 0.00 102.70 2,652.41 1,479.54 657.98 222.75 485.26 313.77 493.04 1,318.24 7,465.48 15,825.88 14,173.30 21,832.99 7,779.75 80,231.07 31.37 156,236.62

303.65 303.65 1,171.09 1,171.09 1,273.79 3,926.20 5,405.74 6,063.72 6,286.47 6,771.73 7,085.50 7,578.54 8,896.78 16,362.26 32,188.14 46,361.44 68,194.43 75,974.18 156,205.25 156,236.62

0.19 0.19 0.00 0.19 0.56 0.75 0.00 0.75 0.07 0.82 1.70 2.51 0.95 3.46 0.42 3.88 0.14 4.02 0.31 4.33 0.20 4.54 0.32 4.85 0.84 5.69 4.78 10.47 10.13 20.60 9.07 29.67 13.97 43.65 4.98 48.63 51.35 99.98 0.02 100.00

8.09 8.09 0.00 7.14 85.26 22.22 0.00 18.69 5.47 15.64 140.91 39.16 68.41 44.35 22.83 40.23 8.65 35.62 18.19 33.33 13.34 31.26 11.88 28.26 44.31 29.86 115.17 45.11 249.50 75.53 108.11 83.19 129.04 93.87 92.99 93.78 877.16 173.25 3.29 171.47 171.47

Page 114 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 27 Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

7,334 2,720 2,992 1,987 2,399 1,614 1,257 1,477 1,268 716 647 1,004 804 1,411 924 1,813 1,946 1,090 1,197 443

109 13 13 28 15 22 8 26 17 15 6 41 23 35 31 312 69 138 182 181

6,731.67 166.36 634.35 509.12 39.61 1,001.12 1,981.70 1,541.34 2,116.45 259.73 53.65 4,137.33 969.26 1,446.23 1,678.36 16,217.03 6,189.23 96,946.67 13,151.59 39,399.80

35,043

7,334 10,054 13,046 15,033 17,432 19,046 20,303 21,780 23,048 23,764 24,411 25,415 26,219 27,630 28,554 30,367 32,313 33,403 34,600 35,043

20.93 20.93 7.76 28.69 8.54 37.23 5.67 42.90 6.85 49.74 4.61 54.35 3.59 57.94 4.21 62.15 3.62 65.77 2.04 67.81 1.85 69.66 2.87 72.53 2.29 74.82 4.03 78.85 2.64 81.48 5.17 86.66 5.55 92.21 3.11 95.32 3.42 98.74 1.26 100.00

8,982.09 1,242.84 1,290.11 1,251.91 2,385.66 1,874.99 2,117.76 3,235.35 2,863.40 2,271.16 2,393.14 3,890.91 3,671.13 7,875.91 7,739.83 18,411.63 22,079.10 13,065.29 15,290.97 12,516.14 134,449.30

8,982.09 10,224.92 11,515.04 12,766.95 15,152.60 17,027.59 19,145.35 22,380.70 25,244.10 27,515.26 29,908.40 33,799.31 37,470.44 45,346.35 53,086.18 71,497.80 93,576.90 106,642.19 121,933.16 134,449.30

6.68 6.68 0.92 7.61 0.96 8.56 0.93 9.50 1.77 11.27 1.39 12.66 1.58 14.24 2.41 16.65 2.13 18.78 1.69 20.47 1.78 22.25 2.89 25.14 2.73 27.87 5.86 33.73 5.76 39.48 13.69 53.18 16.42 69.60 9.72 79.32 11.37 90.69 9.31 100.00

1,284

109 122 135 163 178 200 208 234 251 266 272 313 336 371 402 714 783 921 1,103 1,284

8.49 8.49 1.01 9.50 1.01 10.51 2.18 12.69 1.17 13.86 1.71 15.58 0.62 16.20 2.02 18.22 1.32 19.55 1.17 20.72 0.47 21.18 3.19 24.38 1.79 26.17 2.73 28.89 2.41 31.31 24.30 55.61 5.37 60.98 10.75 71.73 14.17 85.90 14.10 100.00

195,170.60

6,731.67 6,898.04 7,532.39 8,041.51 8,081.12 9,082.25 11,063.95 12,605.29 14,721.73 14,981.46 15,035.11 19,172.43 20,141.70 21,587.93 23,266.29 39,483.32 45,672.55 142,619.22 155,770.80 195,170.60

3.45 3.45 74.95 74.95 0.09 3.53 13.39 67.46 0.33 3.86 49.17 65.41 0.26 4.12 40.67 62.99 0.02 4.14 1.66 53.33 0.51 4.65 53.39 53.34 1.02 5.67 93.58 57.79 0.79 6.46 47.64 56.32 1.08 7.54 73.91 58.32 0.13 7.68 11.44 54.45 0.03 7.70 2.24 50.27 2.12 9.82 106.33 56.72 0.50 10.32 26.40 53.75 0.74 11.06 18.36 47.61 0.86 11.92 21.68 43.83 8.31 20.23 88.08 55.22 3.17 23.40 28.03 48.81 49.67 73.07 742.02 133.74 6.74 79.81 86.01 127.75 20.19 100.00 314.79 145.16 145.16

Page 115 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 28 Power and Heating (Pembangkit Tenaga dan Pemanas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 68 6 10 17 14 27 33 46 29 21 22 31 28 42 37 90 119 69 283 242 1,234

68 74 84 101 115 142 175 221 250 271 293 324 352 394 431 521 640 709 992 1,234

5.51 5.51 0.49 6.00 0.81 6.81 1.38 8.18 1.13 9.32 2.19 11.51 2.67 14.18 3.73 17.91 2.35 20.26 1.70 21.96 1.78 23.74 2.51 26.26 2.27 28.53 3.40 31.93 3.00 34.93 7.29 42.22 9.64 51.86 5.59 57.46 22.93 80.39 19.61 100.00

1,117.06 0.63 4.72 11.02 8.93 18.13 66.22 52.89 58.64 33.24 29.57 117.39 88.89 192.13 413.85 1,118.83 1,555.43 1,072.71 3,816.51 3,589.47 13,366.26

1,117.06 1,117.69 1,122.41 1,133.43 1,142.36 1,160.49 1,226.71 1,279.60 1,338.24 1,371.47 1,401.04 1,518.43 1,607.31 1,799.45 2,213.29 3,332.13 4,887.56 5,960.27 9,776.78 13,366.26

8.36 8.36 0.00 8.36 0.04 8.40 0.08 8.48 0.07 8.55 0.14 8.68 0.50 9.18 0.40 9.57 0.44 10.01 0.25 10.26 0.22 10.48 0.88 11.36 0.67 12.03 1.44 13.46 3.10 16.56 8.37 24.93 11.64 36.57 8.03 44.59 28.55 73.15 26.85 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 16 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 3 0 27 19 72

16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 23 26 26 53 72

22.22 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 9.72 31.94 4.17 36.11 0.00 36.11 37.50 73.61 26.39 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

26,221.98 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 0.00 697.00 715.00 0.00 17,523.42 28,871.77

2,347.41 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 62.30 45.97 0.00 459.15 804.35

74,029.16

26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,221.98 26,918.98 27,633.97 27,633.97 45,157.39 74,029.16

35.42 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.00 35.42 0.94 36.36 0.97 37.33 0.00 37.33 23.67 61.00 39.00 100.00

2,347.41 2,346.09 2,336.21 2313.51 2295.42 2259.57 2137.59 2049.23 1959.44 1911.96 1871.61 1726.92 1631.42 1457.22 1184.75 807.86 565.39 463.64 461.88 553.85

553.85

Page 116 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 156,978 144,029 211,778 136,824 159,593 87,156 67,310 50,270 28,341 15,491 12,285 13,957 9,372 11,278 6,953 9,942 7,455 3,053 3,094 884 1,136,043

156,978 301,007 512,785 649,609 809,202 896,358 963,668 1,013,938 1,042,279 1,057,770 1,070,055 1,084,012 1,093,384 1,104,662 1,111,615 1,121,557 1,129,012 1,132,065 1,135,159 1,136,043

13.82 13.82 12.68 26.50 18.64 45.14 12.04 57.18 14.05 71.23 7.67 78.90 5.92 84.83 4.43 89.25 2.49 91.75 1.36 93.11 1.08 94.19 1.23 95.42 0.82 96.24 0.99 97.24 0.61 97.85 0.88 98.72 0.66 99.38 0.27 99.65 0.27 99.92 0.08 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 72,923.81 27,977.70 69,713.10 66,458.56 129,492.77 100,764.70 104,800.60 105,558.04 80,430.98 52,552.98 46,875.97 60,816.05 48,206.49 67,876.03 52,056.25 102,306.42 87,255.76 38,021.36 53,706.60 18,992.38 1,386,786.54

72,923.81 100,901.51 170,614.61 237,073.17 366,565.95 467,330.64 572,131.24 677,689.28 758,120.26 810,673.24 857,549.21 918,365.26 966,571.75 1,034,447.78 1,086,504.03 1,188,810.45 1,276,066.20 1,314,087.56 1,367,794.16 1,386,786.54

5.26 5.26 2.02 7.28 5.03 12.30 4.79 17.10 9.34 26.43 7.27 33.70 7.56 41.26 7.61 48.87 5.80 54.67 3.79 58.46 3.38 61.84 4.39 66.22 3.48 69.70 4.89 74.59 3.75 78.35 7.38 85.72 6.29 92.02 2.74 94.76 3.87 98.63 1.37 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,557 296 523 382 567 377 344 371 293 161 175 176 130 410 233 439 452 331 676 295 8,188

1,557 1,853 2,376 2,758 3,325 3,702 4,046 4,417 4,710 4,871 5,046 5,222 5,352 5,762 5,995 6,434 6,886 7,217 7,893 8,188

19.02 19.02 3.62 22.63 6.39 29.02 4.67 33.68 6.92 40.61 4.60 45.21 4.20 49.41 4.53 53.94 3.58 57.52 1.97 59.49 2.14 61.63 2.15 63.78 1.59 65.36 5.01 70.37 2.85 73.22 5.36 78.58 5.52 84.10 4.04 88.14 8.26 96.40 3.60 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

839,923.90 6,671.67 20,608.09 11,779.35 24,724.45 16,417.49 24,353.69 19,487.12 16,847.17 15,019.74 17,223.05 9,662.64 8,268.75 53,755.41 19,585.75 43,492.45 50,216.17 23,939.60 109,180.03 112,242.39

1,151.78 23.85 29.56 17.72 19.09 16.29 23.24 18.46 20.95 28.58 36.74 15.89 17.15 79.20 37.62 42.51 57.55 62.96 203.29 590.99

1,443,398.91

839,923.90 846,595.57 867,203.66 878,983.01 903,707.46 920,124.95 944,478.64 963,965.76 980,812.93 995,832.67 1,013,055.72 1,022,718.36 1,030,987.11 1,084,742.51 1,104,328.26 1,147,820.72 1,198,036.88 1,221,976.48 1,331,156.52 1,443,398.91

58.19 58.19 0.46 58.65 1.43 60.08 0.82 60.90 1.71 62.61 1.14 63.75 1.69 65.43 1.35 66.78 1.17 67.95 1.04 68.99 1.19 70.19 0.67 70.85 0.57 71.43 3.72 75.15 1.36 76.51 3.01 79.52 3.48 83.00 1.66 84.66 7.56 92.22 7.78 100.00

1,151.78 839.03 508.28 370.76 246.53 196.89 165.08 142.24 129.37 122.84 118.13 111.36 106.66 104.86 101.64 96.55 93.89 92.99 97.32 104.08

104.08

Page 117 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 30 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 11 8 19 25 43 49 17 31 40 29 16 36 12 42 33 73 43 9 0 0 536

11 19 38 63 106 155 172 203 243 272 288 324 336 378 411 484 527 536 536 536

2.05 2.05 1.49 3.54 3.54 7.09 4.66 11.75 8.02 19.78 9.14 28.92 3.17 32.09 5.78 37.87 7.46 45.34 5.41 50.75 2.99 53.73 6.72 60.45 2.24 62.69 7.84 70.52 6.16 76.68 13.62 90.30 8.02 98.32 1.68 100.00 0.00 100.00 0.00 100.00

6.18 2.49 17.06 25.49 182.58 252.53 57.17 211.03 331.47 374.22 224.29 497.33 137.25 767.55 748.82 2,626.73 1,879.97 308.16 0.00 0.00 8,650.34

6.18 8.67 25.74 51.23 233.81 486.34 543.52 754.55 1,086.02 1,460.24 1,684.53 2,181.87 2,319.12 3,086.67 3,835.49 6,462.22 8,342.18 8,650.34 8,650.34 8,650.34

0.07 0.07 0.03 0.10 0.20 0.30 0.29 0.59 2.11 2.70 2.92 5.62 0.66 6.28 2.44 8.72 3.83 12.55 4.33 16.88 2.59 19.47 5.75 25.22 1.59 26.81 8.87 35.68 8.66 44.34 30.37 74.70 21.73 96.44 3.56 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 2 0 0 0 2 0 0 0 0 2 0 6 0 0 0 12

0 0 0 0 0 2 2 2 2 4 4 4 4 4 6 6 12 12 12 12

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

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

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 7.20 0.00 0.00 0.00 107.46 0.00 0.00 0.00 0.00 7.99 0.00 86.57 0.00 0.00 0.00 209.22

0.00 0.00 0.00 0.00 0.00 7.20 7.20 7.20 7.20 114.66 114.66 114.66 114.66 114.66 122.65 122.65 209.22 209.22 209.22 209.22

0.00 0.00 0.00 0.00 0.00 3.44 0.00 0.00 0.00 51.36 0.00 0.00 0.00 0.00 3.82 0.00 41.38 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 3.44 3.44 3.44 3.44 54.80 54.80 54.80 54.80 54.80 58.62 58.62 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 2.85 0.00 0.00 0.00 28.72 0.00 0.00 0.00 0.00 1.07 0.00 4.60 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 1.48 1.32 0.95 0.66 7.85 6.81 5.26 4.94 3.71 3.20 1.90 2.51 2.42 2.42 2.42

2.42

Page 118 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 31 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 51 14 28 32 37 44 28 67 85 45 46 86 53 112 40 101 207 221 162 19 1,478

51 65 93 125 162 206 234 301 386 431 477 563 616 728 768 869 1,076 1,297 1,459 1,478

3.45 3.45 0.95 4.40 1.89 6.29 2.17 8.46 2.50 10.96 2.98 13.94 1.89 15.83 4.53 20.37 5.75 26.12 3.04 29.16 3.11 32.27 5.82 38.09 3.59 41.68 7.58 49.26 2.71 51.96 6.83 58.80 14.01 72.80 14.95 87.75 10.96 98.71 1.29 100.00

464.04 2.13 6.16 -1.85 19.54 92.01 24.18 111.42 117.24 165.70 241.82 393.31 373.42 719.55 465.88 699.36 5,861.02 5,558.54 4,199.91 197.34 19,710.73

464.04 466.18 472.34 470.48 490.02 582.03 606.20 717.62 834.87 1,000.57 1,242.39 1,635.70 2,009.12 2,728.67 3,194.55 3,893.91 9,754.93 15,313.48 19,513.39 19,710.73

2.35 2.35 0.01 2.37 0.03 2.40 -0.01 2.39 0.10 2.49 0.47 2.95 0.12 3.08 0.57 3.64 0.59 4.24 0.84 5.08 1.23 6.30 2.00 8.30 1.89 10.19 3.65 13.84 2.36 16.21 3.55 19.76 29.74 49.49 28.20 77.69 21.31 99.00 1.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 0 0 0 0 0 0 6 0 0 2 4 6 7 7 14 12 8 3 73

4 4 4 4 4 4 4 4 10 10 10 12 16 22 29 36 50 62 70 73

5.48 5.48 0.00 5.48 0.00 5.48 0.00 5.48 0.00 5.48 0.00 5.48 0.00 5.48 0.00 5.48 8.22 13.70 0.00 13.70 0.00 13.70 2.74 16.44 5.48 21.92 8.22 30.14 9.59 39.73 9.59 49.32 19.18 68.49 16.44 84.93 10.96 95.89 4.11 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 184.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 393.32 0.00 0.00 2.92 22.94 326.78 320.40 135.96 499.76 3,296.08 278.67 390.19 5,851.48

184.47 184.47 184.47 184.47 184.47 184.47 184.47 184.47 577.79 577.79 577.79 580.71 603.65 930.42 1,250.83 1,386.78 1,886.54 5,182.62 5,461.29 5,851.48

3.15 3.15 39.75 0.00 3.15 0.00 0.00 3.15 0.00 0.00 3.15 0.00 0.00 3.15 0.00 0.00 3.15 0.00 0.00 3.15 0.00 0.00 3.15 0.00 6.72 9.87 335.46 0.00 9.87 0.00 0.00 9.87 0.00 0.05 9.92 0.74 0.39 10.32 6.14 5.58 15.90 45.41 5.48 21.38 68.77 2.32 23.70 19.44 8.54 32.24 8.53 56.33 88.57 59.30 4.76 93.33 6.64 6.67 100.00 197.73

39.75 39.57 39.06 39.21 37.65 31.69 30.43 25.71 69.21 57.75 46.51 35.50 30.05 34.10 39.16 35.61 19.34 33.84 27.99 29.69

29.69

Page 119 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 32 Recreation Place

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1 23 12 7 7 4 6 21 6 16 4 11 2 45 7 38 12 19 17 1 259

1 24 36 43 50 54 60 81 87 103 107 118 120 165 172 210 222 241 258 259

0.39 0.39 8.88 9.27 4.63 13.90 2.70 16.60 2.70 19.31 1.54 20.85 2.32 23.17 8.11 31.27 2.32 33.59 6.18 39.77 1.54 41.31 4.25 45.56 0.77 46.33 17.37 63.71 2.70 66.41 14.67 81.08 4.63 85.71 7.34 93.05 6.56 99.61 0.39 100.00

0.43 76.93 19.62 2.93 5.68 4.49 4.23 83.20 1.64 95.01 1.82 6.26 1.50 650.46 46.00 862.34 354.84 1,049.69 375.76 18.85 3,661.68

0.43 77.36 96.98 99.91 105.59 110.08 114.30 197.51 199.14 294.16 295.98 302.24 303.74 954.20 1,000.19 1,862.54 2,217.38 3,267.07 3,642.83 3,661.68

0.01 0.01 2.10 2.11 0.54 2.65 0.08 2.73 0.16 2.88 0.12 3.01 0.12 3.12 2.27 5.39 0.04 5.44 2.59 8.03 0.05 8.08 0.17 8.25 0.04 8.30 17.76 26.06 1.26 27.32 23.55 50.87 9.69 60.56 28.67 89.22 10.26 99.49 0.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 6 0 0 0 0 0 2 0 4 0 0 0 4 0 4 34 2 22 0 78

0 6 6 6 6 6 6 8 8 12 12 12 12 16 16 20 54 56 78 78

0.00 0.00 7.69 7.69 0.00 7.69 0.00 7.69 0.00 7.69 0.00 7.69 0.00 7.69 2.56 10.26 0.00 10.26 5.13 15.38 0.00 15.38 0.00 15.38 0.00 15.38 5.13 20.51 0.00 20.51 5.13 25.64 43.59 69.23 2.56 71.79 28.21 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 491.40 0.00 0.00 0.00 0.00 0.00 10.66 0.00 16.68 0.00 0.00 0.00 460.12 0.00 26.56 263.30 234.27 377.39 0.00 1,880.38

0.00 491.40 491.40 491.40 491.40 491.40 491.40 502.06 502.06 518.74 518.74 518.74 518.74 978.86 978.86 1,005.42 1,268.72 1,502.99 1,880.38 1,880.38

0.00 0.00 0.00 0.00 26.13 26.13 638.75 635.21 0.00 26.13 0.00 506.70 0.00 26.13 0.00 491.85 0.00 26.13 0.00 465.38 0.00 26.13 0.00 446.42 0.00 26.13 0.00 429.91 0.57 26.70 12.81 254.20 0.00 26.70 0.00 252.11 0.89 27.59 17.56 176.35 0.00 27.59 0.00 175.26 0.00 27.59 0.00 171.63 0.00 27.59 0.00 170.79 24.47 52.06 70.74 102.58 0.00 52.06 0.00 97.87 1.41 53.47 3.08 53.98 14.00 67.47 74.20 57.22 12.46 79.93 22.32 46.00 20.07 100.00 100.43 51.62 0.00 100.00 0.00 51.35 51.35

Page 120 of 204

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

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 40 Non Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 465 240 264 26 30 15 20 27 30 13 9 17 14 39 21 57 86 76 31 1 1,481

465 705 969 995 1,025 1,040 1,060 1,087 1,117 1,130 1,139 1,156 1,170 1,209 1,230 1,287 1,373 1,449 1,480 1,481

31.40 31.40 16.21 47.60 17.83 65.43 1.76 67.18 2.03 69.21 1.01 70.22 1.35 71.57 1.82 73.40 2.03 75.42 0.88 76.30 0.61 76.91 1.15 78.06 0.95 79.00 2.63 81.63 1.42 83.05 3.85 86.90 5.81 92.71 5.13 97.84 2.09 99.93 0.07 100.00

584.51 126.02 136.91 17.73 44.23 50.11 45.63 59.51 89.20 52.19 35.20 128.50 61.41 388.91 398.87 1,191.42 2,748.70 1,027.23 1,351.67 50.26 8,588.20

584.51 710.53 847.44 865.17 909.40 959.51 1,005.14 1,064.65 1,153.85 1,206.03 1,241.23 1,369.73 1,431.14 1,820.05 2,218.92 3,410.33 6,159.04 7,186.27 8,537.94 8,588.20

6.81 6.81 1.47 8.27 1.59 9.87 0.21 10.07 0.51 10.59 0.58 11.17 0.53 11.70 0.69 12.40 1.04 13.44 0.61 14.04 0.41 14.45 1.50 15.95 0.72 16.66 4.53 21.19 4.64 25.84 13.87 39.71 32.01 71.72 11.96 83.68 15.74 99.41 0.59 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 0 0 0 3 0 7 0 2 0 2 6 0 0 22

2 2 2 2 2 2 2 2 2 2 5 5 12 12 14 14 16 22 22 22

9.09 9.09 0.00 9.09 0.00 9.09 0.00 9.09 0.00 9.09 0.00 9.09 0.00 9.09 0.00 9.09 0.00 9.09 0.00 9.09 13.64 22.73 0.00 22.73 31.82 54.55 0.00 54.55 9.09 63.64 0.00 63.64 9.09 72.73 27.27 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 54.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 738.74 0.00 82.38 0.00 455.69 0.00 10.49 84.13 0.00 0.00 1,425.69

54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 792.99 792.99 875.38 875.38 1,331.07 1,331.07 1,341.56 1,425.69 1,425.69 1,425.69

3.81 3.81 0.00 3.81 0.00 3.81 0.00 3.81 0.00 3.81 0.00 3.81 0.00 3.81 0.00 3.81 0.00 3.81 0.00 3.81 51.82 55.62 0.00 55.62 5.78 61.40 0.00 61.40 31.96 93.36 0.00 93.36 0.74 94.10 5.90 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 9.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,098.79 0.00 134.16 0.00 114.25 0.00 0.38 8.19 0.00 0.00

9.28 7.64 6.40 6.27 5.97 5.65 5.40 5.10 4.70 4.50 63.89 57.89 61.17 48.10 59.99 39.03 21.78 19.84 16.70 16.60

16.60

Page 121 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,769 2,299 3,419 2,039 1,920 682 495 317 151 78 65 66 37 55 20 30 65 18 10 11 13,546

1,769 4,068 7,487 9,526 11,446 12,128 12,623 12,940 13,091 13,169 13,234 13,300 13,337 13,392 13,412 13,442 13,507 13,525 13,535 13,546

13.06 13.06 16.97 30.03 25.24 55.27 15.05 70.32 14.17 84.50 5.03 89.53 3.65 93.19 2.34 95.53 1.11 96.64 0.58 97.22 0.48 97.70 0.49 98.18 0.27 98.46 0.41 98.86 0.15 99.01 0.22 99.23 0.48 99.71 0.13 99.84 0.07 99.92 0.08 100.00

624.58 680.72 1,965.67 1,906.01 2,689.85 1,508.92 1,603.26 1,175.24 645.11 490.99 492.58 398.80 283.22 683.13 236.77 747.88 2,005.73 365.95 89.84 652.70 19,246.94

624.58 1,305.30 3,270.97 5,176.98 7,866.83 9,375.75 10,979.01 12,154.25 12,799.36 13,290.35 13,782.93 14,181.72 14,464.94 15,148.07 15,384.84 16,132.73 18,138.45 18,504.40 18,594.24 19,246.94

3.25 3.25 3.54 6.78 10.21 16.99 9.90 26.90 13.98 40.87 7.84 48.71 8.33 57.04 6.11 63.15 3.35 66.50 2.55 69.05 2.56 71.61 2.07 73.68 1.47 75.15 3.55 78.70 1.23 79.93 3.89 83.82 10.42 94.24 1.90 96.14 0.47 96.61 3.39 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 6 22 16 10 4 4 4 0 0 2 0 0 0 0 0 0 0 0 0 74

6 12 34 50 60 64 68 72 72 72 74 74 74 74 74 74 74 74 74 74

8.11 8.11 29.73 21.62 13.51 5.41 5.41 5.41 0.00 0.00 2.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.11 16.22 45.95 67.57 81.08 86.49 91.89 97.30 97.30 97.30 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 55.23 183.76 1,015.68 244.63 692.90 631.27 119.79 229.13 0.00 0.00 98.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,271.03

55.23 238.99 1,254.66 1,499.30 2,192.20 2,823.47 2,943.26 3,172.39 3,172.39 3,172.39 3,271.03 3,271.03 3,271.03 3,271.03 3,271.03 3,271.03 3,271.03 3,271.03 3,271.03 3,271.03

1.69 5.62 31.05 7.48 21.18 19.30 3.66 7.00 0.00 0.00 3.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.69 7.31 38.36 45.84 67.02 86.32 89.98 96.98 96.98 96.98 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

8.84 26.99 51.67 12.83 25.76 41.84 7.47 19.50 0.00 0.00 20.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.84 18.31 38.36 28.96 27.87 30.11 26.81 26.10 24.79 23.87 23.73 23.07 22.61 21.59 21.26 20.28 18.03 17.68 17.59 17.00

17.00

Page 122 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 02 - SUMATERA UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 13,054 11,840 17,015 11,778 12,495 5,934 4,111 2,987 1,755 911 794 999 709 879 504 838 998 482 380 132 88,595

13,054 24,894 41,909 53,687 66,182 72,116 76,227 79,214 80,969 81,880 82,674 83,673 84,382 85,261 85,765 86,603 87,601 88,083 88,463 88,595

14.73 14.73 13.36 28.10 19.21 47.30 13.29 60.60 14.10 74.70 6.70 81.40 4.64 86.04 3.37 89.41 1.98 91.39 1.03 92.42 0.90 93.32 1.13 94.44 0.80 95.24 0.99 96.24 0.57 96.81 0.95 97.75 1.13 98.88 0.54 99.42 0.43 99.85 0.15 100.00

6,083.88 2,077.63 5,206.35 5,972.20 10,763.23 7,579.61 7,868.83 6,961.07 5,785.85 3,721.86 3,549.28 4,914.05 4,305.34 6,946.12 5,014.12 10,920.66 16,809.34 9,241.04 10,959.57 2,016.81 136,696.83

6,083.88 8,161.51 13,367.86 19,340.06 30,103.29 37,682.90 45,551.72 52,512.79 58,298.64 62,020.50 65,569.78 70,483.82 74,789.16 81,735.28 86,749.41 97,670.07 114,479.42 123,720.45 134,680.02 136,696.83

4.45 4.45 1.52 5.97 3.81 9.78 4.37 14.15 7.87 22.02 5.54 27.57 5.76 33.32 5.09 38.42 4.23 42.65 2.72 45.37 2.60 47.97 3.59 51.56 3.15 54.71 5.08 59.79 3.67 63.46 7.99 71.45 12.30 83.75 6.76 90.51 8.02 98.52 1.48 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 54 15 48 22 46 37 24 31 13 26 18 22 17 18 35 47 50 41 47 10 621

54 69 117 139 185 222 246 277 290 316 334 356 373 391 426 473 523 564 611 621

8.70 8.70 2.42 11.11 7.73 18.84 3.54 22.38 7.41 29.79 5.96 35.75 3.86 39.61 4.99 44.61 2.09 46.70 4.19 50.89 2.90 53.78 3.54 57.33 2.74 60.06 2.90 62.96 5.64 68.60 7.57 76.17 8.05 84.22 6.60 90.82 7.57 98.39 1.61 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4,417.17 467.68 1,341.99 972.68 1,756.50 2,384.75 2,415.10 1,483.31 112.12 4,063.41 958.56 249.98 1,704.16 5,579.86 9,027.05 5,303.22 7,386.23 4,280.92 6,419.86 65.66 60,390.23

4,417.17 4,884.85 6,226.85 7,199.53 8,956.03 11,340.78 13,755.89 15,239.19 15,351.31 19,414.72 20,373.27 20,623.26 22,327.42 27,907.28 36,934.34 42,237.56 49,623.79 53,904.71 60,324.58 60,390.23

7.31 7.31 72.60 0.77 8.09 22.51 2.22 10.31 25.78 1.61 11.92 16.29 2.91 14.83 16.32 3.95 18.78 31.46 4.00 22.78 30.69 2.46 25.23 21.31 0.19 25.42 1.94 6.73 32.15 109.18 1.59 33.74 27.01 0.41 34.15 5.09 2.82 36.97 39.58 9.24 46.21 80.33 14.95 61.16 180.03 8.78 69.94 48.56 12.23 82.17 43.94 7.09 89.26 46.33 10.63 99.89 58.58 0.11 100.00 3.26

72.60 59.85 46.58 37.23 29.75 30.10 30.20 29.02 26.33 31.30 31.07 29.26 29.85 34.14 42.58 43.25 43.35 43.57 44.79 44.18

44.18

Page 123 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 03 - SUMATERA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,263 5,743 9,616 6,496 6,116 2,453 1,822 1,212 753 373 308 387 358 393 266 287 175 91 80 33 41,225

4,263 10,006 19,622 26,118 32,234 34,687 36,509 37,721 38,474 38,847 39,155 39,542 39,900 40,293 40,559 40,846 41,021 41,112 41,192 41,225

10.34 10.34 13.93 24.27 23.33 47.60 15.76 63.35 14.84 78.19 5.95 84.14 4.42 88.56 2.94 91.50 1.83 93.33 0.90 94.23 0.75 94.98 0.94 95.92 0.87 96.79 0.95 97.74 0.65 98.38 0.70 99.08 0.42 99.51 0.22 99.73 0.19 99.92 0.08 100.00

1,776.32 1,028.37 2,785.70 2,792.59 5,041.54 3,282.63 3,587.50 3,031.97 2,103.97 1,124.37 1,100.73 1,271.86 1,093.24 1,510.07 1,051.35 2,223.45 2,710.09 1,167.47 811.58 603.13 40,097.92

1,776.32 2,804.69 5,590.39 8,382.98 13,424.51 16,707.14 20,294.64 23,326.61 25,430.58 26,554.95 27,655.67 28,927.54 30,020.78 31,530.84 32,582.19 34,805.65 37,515.73 38,683.21 39,494.79 40,097.92

4.43 4.43 2.56 6.99 6.95 13.94 6.96 20.91 12.57 33.48 8.19 41.67 8.95 50.61 7.56 58.17 5.25 63.42 2.80 66.23 2.75 68.97 3.17 72.14 2.73 74.87 3.77 78.63 2.62 81.26 5.55 86.80 6.76 93.56 2.91 96.47 2.02 98.50 1.50 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 2 7 10 12 11 6 5 12 0 0 0 0 0 0 0 2 6 0 0 73

0 2 9 19 31 42 48 53 65 65 65 65 65 65 65 65 67 73 73 73

0.00 0.00 2.74 2.74 9.59 12.33 13.70 26.03 16.44 42.47 15.07 57.53 8.22 65.75 6.85 72.60 16.44 89.04 0.00 89.04 0.00 89.04 0.00 89.04 0.00 89.04 0.00 89.04 0.00 89.04 0.00 89.04 2.74 91.78 8.22 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 217.69 688.66 800.93 200.12 1,054.66 303.02 695.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.61 2,593.11 0.00 0.00 6,702.91

0.00 0.00 217.69 906.35 1,707.28 1,907.40 2,962.06 3,265.08 3,960.18 3,960.18 3,960.18 3,960.18 3,960.18 3,960.18 3,960.18 3,960.18 4,109.80 6,702.91 6,702.91 6,702.91

0.00 0.00 0.00 0.00 0.00 0.00 3.25 3.25 7.81 10.27 13.52 24.66 11.95 25.47 15.89 2.99 28.46 6.10 15.73 44.19 29.40 4.52 48.71 9.99 10.37 59.08 33.04 0.00 59.08 0.00 0.00 59.08 0.00 0.00 59.08 0.00 0.00 59.08 0.00 0.00 59.08 0.00 0.00 59.08 0.00 0.00 59.08 0.00 2.23 61.31 5.52 38.69 100.00 222.11 0.00 100.00 0.00 0.00 100.00 0.00

0.00 0.00 3.89 10.81 12.72 11.42 14.60 14.00 15.57 14.91 14.32 13.69 13.19 12.56 12.15 11.38 10.95 17.33 16.97 16.72

16.72

Page 124 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 04 - RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,344 5,597 8,578 5,865 6,520 2,636 1,696 1,256 783 390 323 386 279 366 198 337 443 288 296 112 41,693

5,344 10,941 19,519 25,384 31,904 34,540 36,236 37,492 38,275 38,665 38,988 39,374 39,653 40,019 40,217 40,554 40,997 41,285 41,581 41,693

12.82 12.82 13.42 26.24 20.57 46.82 14.07 60.88 15.64 76.52 6.32 82.84 4.07 86.91 3.01 89.92 1.88 91.80 0.94 92.74 0.77 93.51 0.93 94.44 0.67 95.11 0.88 95.98 0.47 96.46 0.81 97.27 1.06 98.33 0.69 99.02 0.71 99.73 0.27 100.00

3,749.00 1,434.57 3,233.14 3,776.77 6,906.37 4,308.80 3,886.51 3,668.04 2,658.21 1,497.00 1,573.52 2,021.11 1,792.10 2,028.20 1,325.00 3,071.26 4,773.58 4,046.94 3,454.08 671.46 59,875.66

3,749.00 5,183.57 8,416.71 12,193.48 19,099.85 23,408.65 27,295.15 30,963.20 33,621.41 35,118.41 36,691.92 38,713.03 40,505.13 42,533.33 43,858.33 46,929.59 51,703.17 55,750.11 59,204.19 59,875.66

6.26 6.26 2.40 8.66 5.40 14.06 6.31 20.36 11.53 31.90 7.20 39.10 6.49 45.59 6.13 51.71 4.44 56.15 2.50 58.65 2.63 61.28 3.38 64.66 2.99 67.65 3.39 71.04 2.21 73.25 5.13 78.38 7.97 86.35 6.76 93.11 5.77 98.88 1.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 22 6 14 17 12 4 13 17 6 7 13 6 4 4 0 9 29 31 17 6 237

22 28 42 59 71 75 88 105 111 118 131 137 141 145 145 154 183 214 231 237

9.28 9.28 2.53 11.81 5.91 17.72 7.17 24.89 5.06 29.96 1.69 31.65 5.49 37.13 7.17 44.30 2.53 46.84 2.95 49.79 5.49 55.27 2.53 57.81 1.69 59.49 1.69 61.18 0.00 61.18 3.80 64.98 12.24 77.22 13.08 90.30 7.17 97.47 2.53 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5,742.01 71.16 413.47 527.59 1,328.29 270.06 663.31 2,011.61 143.96 229.69 1,752.06 270.61 90.51 7.16 0.00 1,243.78 3,450.14 3,814.22 1,472.49 6,057.99 29,560.09

5,742.01 5,813.18 6,226.65 6,754.23 8,082.52 8,352.57 9,015.88 11,027.49 11,171.45 11,401.14 13,153.20 13,423.80 13,514.31 13,521.47 13,521.47 14,765.25 18,215.39 22,029.61 23,502.10 29,560.09

19.42 19.42 153.16 153.16 0.24 19.67 4.96 112.15 1.40 21.06 12.79 73.98 1.78 22.85 13.97 55.39 4.49 27.34 19.23 42.32 0.91 28.26 6.27 35.68 2.24 30.50 17.07 33.03 6.81 37.31 54.84 35.61 0.49 37.79 5.42 33.23 0.78 38.57 15.34 32.46 5.93 44.50 111.35 35.85 0.92 45.41 13.39 34.68 0.31 45.72 5.05 33.36 0.02 45.74 0.35 31.79 0.00 45.74 0.00 30.83 4.21 49.95 40.50 31.46 11.67 61.62 72.28 35.23 12.90 74.52 94.25 39.51 4.98 79.51 42.63 39.70 20.49 100.00 902.21 49.37 49.37

Page 125 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 05 - JAMBI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,128 2,291 3,293 2,013 1,918 816 510 385 217 100 63 114 94 118 57 97 123 80 49 11 14,477

2,128 4,419 7,712 9,725 11,643 12,459 12,969 13,354 13,571 13,671 13,734 13,848 13,942 14,060 14,117 14,214 14,337 14,417 14,466 14,477

14.70 14.70 15.83 30.52 22.75 53.27 13.90 67.18 13.25 80.42 5.64 86.06 3.52 89.58 2.66 92.24 1.50 93.74 0.69 94.43 0.44 94.87 0.79 95.66 0.65 96.30 0.82 97.12 0.39 97.51 0.67 98.18 0.85 99.03 0.55 99.59 0.34 99.92 0.08 100.00

775.59 575.07 1,460.93 1,549.58 2,098.32 1,385.75 1,234.47 1,099.65 746.15 588.83 305.30 567.81 467.54 892.82 456.10 1,405.65 1,477.49 726.64 459.18 855.57 19,128.43

775.59 1,350.66 2,811.59 4,361.16 6,459.49 7,845.23 9,079.71 10,179.35 10,925.50 11,514.33 11,819.63 12,387.44 12,854.98 13,747.80 14,203.90 15,609.55 17,087.04 17,813.68 18,272.86 19,128.43

4.05 4.05 3.01 7.06 7.64 14.70 8.10 22.80 10.97 33.77 7.24 41.01 6.45 47.47 5.75 53.22 3.90 57.12 3.08 60.19 1.60 61.79 2.97 64.76 2.44 67.20 4.67 71.87 2.38 74.26 7.35 81.60 7.72 89.33 3.80 93.13 2.40 95.53 4.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 5 9 5 0 4 0 3 0 0 0 6 0 8 0 7 0 9 2 0 65

7 12 21 26 26 30 30 33 33 33 33 39 39 47 47 54 54 63 65 65

10.77 10.77 7.69 18.46 13.85 32.31 7.69 40.00 0.00 40.00 6.15 46.15 0.00 46.15 4.62 50.77 0.00 50.77 0.00 50.77 0.00 50.77 9.23 60.00 0.00 60.00 12.31 72.31 0.00 72.31 10.77 83.08 0.00 83.08 13.85 96.92 3.08 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 44.18 121.03 391.95 453.81 0.00 46.39 0.00 65.04 0.00 0.00 0.00 24.06 0.00 160.30 0.00 113.13 0.00 309.88 8,321.08 0.00 10,050.85

44.18 165.21 557.16 1,010.97 1,010.97 1,057.36 1,057.36 1,122.40 1,122.40 1,122.40 1,122.40 1,146.47 1,146.47 1,306.76 1,306.76 1,419.89 1,419.89 1,729.78 10,050.85 10,050.85

0.44 0.44 1.20 1.64 3.90 5.54 4.52 10.06 0.00 10.06 0.46 10.52 0.00 10.52 0.65 11.17 0.00 11.17 0.00 11.17 0.00 11.17 0.24 11.41 0.00 11.41 1.59 13.00 0.00 13.00 1.13 14.13 0.00 14.13 3.08 17.21 82.79 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 5.70 21.05 26.83 29.29 0.00 3.35 0.00 5.91 0.00 0.00 0.00 4.24 0.00 17.95 0.00 8.05 0.00 42.65 1,812.17 0.00

5.70 12.23 19.82 23.18 15.65 13.48 11.65 11.03 10.27 9.75 9.50 9.26 8.92 9.51 9.20 9.10 8.31 9.71 55.00 52.54

52.54

Page 126 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 06 - SUMATERA SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,063 3,459 5,883 4,024 4,483 2,222 1,615 1,191 712 363 273 327 229 268 204 299 276 182 217 61 30,351

4,063 7,522 13,405 17,429 21,912 24,134 25,749 26,940 27,652 28,015 28,288 28,615 28,844 29,112 29,316 29,615 29,891 30,073 30,290 30,351

13.39 13.39 11.40 24.78 19.38 44.17 13.26 57.42 14.77 72.20 7.32 79.52 5.32 84.84 3.92 88.76 2.35 91.11 1.20 92.30 0.90 93.20 1.08 94.28 0.75 95.03 0.88 95.92 0.67 96.59 0.99 97.58 0.91 98.48 0.60 99.08 0.71 99.80 0.20 100.00

3,352.38 615.83 1,869.47 2,432.92 4,267.58 3,024.80 3,225.10 3,064.24 2,321.28 1,346.22 1,054.90 1,473.62 1,174.07 1,552.51 1,489.73 3,019.45 4,130.66 2,784.30 4,024.85 3,335.76 49,559.66

3,352.38 3,968.21 5,837.67 8,270.59 12,538.18 15,562.97 18,788.07 21,852.31 24,173.59 25,519.81 26,574.71 28,048.33 29,222.40 30,774.90 32,264.64 35,284.08 39,414.75 42,199.05 46,223.90 49,559.66

6.76 6.76 1.24 8.01 3.77 11.78 4.91 16.69 8.61 25.30 6.10 31.40 6.51 37.91 6.18 44.09 4.68 48.78 2.72 51.49 2.13 53.62 2.97 56.60 2.37 58.96 3.13 62.10 3.01 65.10 6.09 71.20 8.33 79.53 5.62 85.15 8.12 93.27 6.73 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 19 0 3 6 18 4 4 4 2 3 5 3 12 5 5 19 12 11 42 32 209

19 19 22 28 46 50 54 58 60 63 68 71 83 88 93 112 124 135 177 209

9.09 9.09 0.00 9.09 1.44 10.53 2.87 13.40 8.61 22.01 1.91 23.92 1.91 25.84 1.91 27.75 0.96 28.71 1.44 30.14 2.39 32.54 1.44 33.97 5.74 39.71 2.39 42.11 2.39 44.50 9.09 53.59 5.74 59.33 5.26 64.59 20.10 84.69 15.31 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,978.61 0.00 89.97 63.15 51.50 22.42 89.83 11.32 5.97 1,538.42 52.54 39.95 169.73 109.20 2.62 2,993.37 478.03 224.09 14,431.10 28,721.19 51,072.98

1,978.61 1,978.61 2,068.58 2,131.73 2,183.23 2,205.65 2,295.48 2,306.80 2,312.77 3,851.19 3,903.72 3,943.67 4,113.40 4,222.59 4,225.21 7,218.58 7,696.61 7,920.70 22,351.80 51,072.98

3.87 3.87 59.02 59.02 0.00 3.87 0.00 49.86 0.18 4.05 4.81 35.44 0.12 4.17 2.60 25.77 0.10 4.27 1.21 17.41 0.04 4.32 0.74 14.17 0.18 4.49 2.79 12.22 0.02 4.52 0.37 10.56 0.01 4.53 0.26 9.57 3.01 7.54 114.28 15.09 0.10 7.64 4.98 14.69 0.08 7.72 2.71 14.06 0.33 8.05 14.46 14.08 0.21 8.27 7.03 13.72 0.01 8.27 0.18 13.10 5.86 14.13 99.14 20.46 0.94 15.07 11.57 19.53 0.44 15.51 8.05 18.77 28.26 43.76 358.55 48.36 56.24 100.00 861.01 103.05 103.05

Page 127 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 07 - BENGKULU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,664 1,848 2,638 1,632 1,482 575 401 179 118 55 40 44 47 60 27 80 65 38 24 10 11,027

1,664 3,512 6,150 7,782 9,264 9,839 10,240 10,419 10,537 10,592 10,632 10,676 10,723 10,783 10,810 10,890 10,955 10,993 11,017 11,027

15.09 15.09 16.76 31.85 23.92 55.77 14.80 70.57 13.44 84.01 5.21 89.23 3.64 92.86 1.62 94.49 1.07 95.56 0.50 96.06 0.36 96.42 0.40 96.82 0.43 97.24 0.54 97.79 0.24 98.03 0.73 98.76 0.59 99.35 0.34 99.69 0.22 99.91 0.09 100.00

424.01 395.83 1,019.26 978.41 1,560.04 917.80 908.55 500.89 373.69 229.86 211.58 162.82 233.55 342.39 387.76 683.58 693.85 378.11 199.08 44.46 10,645.53

424.01 819.84 1,839.10 2,817.51 4,377.54 5,295.35 6,203.90 6,704.78 7,078.48 7,308.34 7,519.92 7,682.74 7,916.30 8,258.68 8,646.44 9,330.02 10,023.87 10,401.98 10,601.07 10,645.53

3.98 3.98 3.72 7.70 9.57 17.28 9.19 26.47 14.65 41.12 8.62 49.74 8.53 58.28 4.71 62.98 3.51 66.49 2.16 68.65 1.99 70.64 1.53 72.17 2.19 74.36 3.22 77.58 3.64 81.22 6.42 87.64 6.52 94.16 3.55 97.71 1.87 99.58 0.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 12 0 4 9 9 3 0 0 0 0 0 0 0 0 0 0 0 3 0 46

6 18 18 22 31 40 43 43 43 43 43 43 43 43 43 43 43 43 46 46

13.04 13.04 26.09 39.13 0.00 39.13 8.70 47.83 19.57 67.39 19.57 86.96 6.52 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 0.00 93.48 6.52 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 115.11 435.24 0.00 176.68 668.73 1,487.37 778.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 79.42 0.00 3,740.99

115.11 550.35 550.35 727.03 1,395.76 2,883.13 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,740.99 3,740.99

3.08 3.08 27.15 11.63 14.71 109.96 0.00 14.71 0.00 4.72 19.43 18.06 17.88 37.31 42.87 39.76 77.07 162.06 20.81 97.88 85.68 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 0.00 97.88 0.00 2.12 100.00 39.89 0.00 100.00 0.00

27.15 67.13 29.93 25.80 31.88 54.45 59.02 54.61 51.73 50.10 48.69 47.66 46.25 44.34 42.35 39.24 36.53 35.20 35.29 35.14

35.14

Page 128 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 08 - LAMPUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,450 3,447 4,839 2,662 2,757 1,443 1,140 758 420 268 226 242 149 244 148 333 271 144 163 77 23,181

3,450 6,897 11,736 14,398 17,155 18,598 19,738 20,496 20,916 21,184 21,410 21,652 21,801 22,045 22,193 22,526 22,797 22,941 23,104 23,181

14.88 14.88 14.87 29.75 20.87 50.63 11.48 62.11 11.89 74.00 6.22 80.23 4.92 85.15 3.27 88.42 1.81 90.23 1.16 91.39 0.97 92.36 1.04 93.40 0.64 94.05 1.05 95.10 0.64 95.74 1.44 97.17 1.17 98.34 0.62 98.96 0.70 99.67 0.33 100.00

2,773.84 605.07 1,681.70 1,507.21 2,528.39 1,843.31 2,184.98 1,691.21 1,556.28 1,173.84 1,009.97 1,195.56 877.73 2,144.04 2,176.11 3,770.51 4,749.06 2,573.47 2,434.53 503.01 38,979.81

2,773.84 3,378.91 5,060.61 6,567.82 9,096.21 10,939.52 13,124.50 14,815.71 16,371.99 17,545.82 18,555.80 19,751.36 20,629.09 22,773.13 24,949.23 28,719.74 33,468.81 36,042.27 38,476.80 38,979.81

7.12 7.12 1.55 8.67 4.31 12.98 3.87 16.85 6.49 23.34 4.73 28.06 5.61 33.67 4.34 38.01 3.99 42.00 3.01 45.01 2.59 47.60 3.07 50.67 2.25 52.92 5.50 58.42 5.58 64.01 9.67 73.68 12.18 85.86 6.60 92.46 6.25 98.71 1.29 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 50 2 11 0 8 7 5 7 9 7 0 8 2 6 5 30 43 45 5 29 279

50 52 63 63 71 78 83 90 99 106 106 114 116 122 127 157 200 245 250 279

17.92 17.92 0.72 18.64 3.94 22.58 0.00 22.58 2.87 25.45 2.51 27.96 1.79 29.75 2.51 32.26 3.23 35.48 2.51 37.99 0.00 37.99 2.87 40.86 0.72 41.58 2.15 43.73 1.79 45.52 10.75 56.27 15.41 71.68 16.13 87.81 1.79 89.61 10.39 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,388.94 0.00 501.31 0.00 285.22 74.25 197.96 50.41 345.57 55.88 0.00 2,610.42 696.55 623.67 99.75 698.16 432.89 4,642.59 213.93 1,376.95 15,294.45

2,388.94 2,388.94 2,890.25 2,890.25 3,175.47 3,249.73 3,447.69 3,498.10 3,843.66 3,899.55 3,899.55 6,509.97 7,206.52 7,830.19 7,929.94 8,628.10 9,060.99 13,703.57 13,917.50 15,294.45

15.62 15.62 86.12 0.00 15.62 0.00 3.28 18.90 29.81 0.00 18.90 0.00 1.86 20.76 11.28 0.49 21.25 4.03 1.29 22.54 9.06 0.33 22.87 2.98 2.26 25.13 22.20 0.37 25.50 4.76 0.00 25.50 0.00 17.07 42.56 218.34 4.55 47.12 79.36 4.08 51.20 29.09 0.65 51.85 4.58 4.56 56.41 18.52 2.83 59.24 9.12 30.35 89.60 180.40 1.40 91.00 8.79 9.00 100.00 273.74

86.12 70.70 57.11 44.01 34.91 29.71 26.27 23.61 23.48 22.22 21.02 32.96 34.93 34.38 31.78 30.04 27.07 38.02 36.17 39.24

39.24

Page 129 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 24,341 14,498 29,238 26,013 40,331 25,979 20,818 16,461 9,518 5,332 4,339 4,856 3,387 4,004 2,586 3,841 3,147 1,482 2,056 751 242,978

24,341 38,839 68,077 94,090 134,421 160,400 181,218 197,679 207,197 212,529 216,868 221,724 225,111 229,115 231,701 235,542 238,689 240,171 242,227 242,978

10.02 10.02 5.97 15.98 12.03 28.02 10.71 38.72 16.60 55.32 10.69 66.01 8.57 74.58 6.77 81.36 3.92 85.27 2.19 87.47 1.79 89.25 2.00 91.25 1.39 92.65 1.65 94.29 1.06 95.36 1.58 96.94 1.30 98.23 0.61 98.84 0.85 99.69 0.31 100.00

25,266.26 3,763.27 8,564.13 10,890.04 25,521.43 23,504.70 26,934.01 29,889.54 23,468.11 15,897.43 14,980.22 19,286.86 16,513.83 23,299.82 18,609.55 39,468.56 36,362.16 17,147.39 36,060.74 6,354.81 421,782.86

25,266.26 29,029.53 37,593.66 48,483.70 74,005.13 97,509.83 124,443.84 154,333.38 177,801.48 193,698.91 208,679.14 227,965.99 244,479.83 267,779.65 286,389.20 325,857.75 362,219.92 379,367.31 415,428.05 421,782.86

5.99 5.99 0.89 6.88 2.03 8.91 2.58 11.49 6.05 17.55 5.57 23.12 6.39 29.50 7.09 36.59 5.56 42.15 3.77 45.92 3.55 49.48 4.57 54.05 3.92 57.96 5.52 63.49 4.41 67.90 9.36 77.26 8.62 85.88 4.07 89.94 8.55 98.49 1.51 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

439 78 117 101 191 104 85 116 93 42 53 51 33 185 53 373 192 145 514 257

416,592.32 1,089.59 3,948.28 2,813.98 7,631.70 3,717.60 6,272.31 4,437.98 8,490.67 2,671.63 2,884.74 3,422.23 1,504.93 37,233.09 4,807.31 11,445.62 18,286.35 10,646.58 78,926.66 110,548.20

1,648.81 28.95 46.10 25.84 29.90 15.82 23.29 14.85 36.18 16.81 19.26 17.74 9.11 159.80 25.83 29.00 50.29 62.09 218.87 1,739.60

3,222

439 517 634 735 926 1,030 1,115 1,231 1,324 1,366 1,419 1,470 1,503 1,688 1,741 2,114 2,306 2,451 2,965 3,222

13.63 13.63 2.42 16.05 3.63 19.68 3.13 22.81 5.93 28.74 3.23 31.97 2.64 34.61 3.60 38.21 2.89 41.09 1.30 42.40 1.64 44.04 1.58 45.62 1.02 46.65 5.74 52.39 1.64 54.03 11.58 65.61 5.96 71.57 4.50 76.07 15.95 92.02 7.98 100.00

737,371.77

416,592.32 417,681.91 421,630.19 424,444.17 432,075.87 435,793.47 442,065.78 446,503.75 454,994.42 457,666.05 460,550.79 463,973.02 465,477.95 502,711.05 507,518.35 518,963.97 537,250.32 547,896.90 626,823.56 737,371.77

56.50 56.50 0.15 56.64 0.54 57.18 0.38 57.56 1.03 58.60 0.50 59.10 0.85 59.95 0.60 60.55 1.15 61.70 0.36 62.07 0.39 62.46 0.46 62.92 0.20 63.13 5.05 68.18 0.65 68.83 1.55 70.38 2.48 72.86 1.44 74.30 10.70 85.01 14.99 100.00

1,648.81 1,438.82 1,121.55 875.44 583.85 446.92 355.23 289.31 255.90 236.28 220.70 203.53 190.40 187.73 177.21 159.26 148.32 144.42 150.89 174.82

174.82

Page 130 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 10 - JAWA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 27,310 24,806 34,573 21,456 24,132 13,439 11,263 8,405 4,631 2,690 2,229 2,869 2,064 2,943 2,101 3,509 3,412 1,526 2,010 802 196,170

27,310 52,116 86,689 108,145 132,277 145,716 156,979 165,384 170,015 172,705 174,934 177,803 179,867 182,810 184,911 188,420 191,832 193,358 195,368 196,170

13.92 13.92 12.65 26.57 17.62 44.19 10.94 55.13 12.30 67.43 6.85 74.28 5.74 80.02 4.28 84.31 2.36 86.67 1.37 88.04 1.14 89.17 1.46 90.64 1.05 91.69 1.50 93.19 1.07 94.26 1.79 96.05 1.74 97.79 0.78 98.57 1.02 99.59 0.41 100.00

16,911.16 3,948.69 9,743.42 10,358.33 17,578.01 14,608.26 15,419.49 16,201.14 12,487.52 9,086.10 8,268.20 12,490.87 10,035.10 18,348.46 16,688.60 38,974.72 43,948.31 22,357.44 31,329.87 10,420.44 339,204.11

16,911.16 20,859.84 30,603.26 40,961.59 58,539.60 73,147.86 88,567.34 104,768.49 117,256.01 126,342.11 134,610.31 147,101.17 157,136.27 175,484.73 192,173.33 231,148.04 275,096.35 297,453.80 328,783.66 339,204.11

4.99 4.99 1.16 6.15 2.87 9.02 3.05 12.08 5.18 17.26 4.31 21.56 4.55 26.11 4.78 30.89 3.68 34.57 2.68 37.25 2.44 39.68 3.68 43.37 2.96 46.32 5.41 51.73 4.92 56.65 11.49 68.14 12.96 81.10 6.59 87.69 9.24 96.93 3.07 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

929 34 105 79 81 84 65 68 68 23 35 59 69 98 59 160 239 166 311 171

475,928.20 751.22 1,508.87 1,257.53 2,056.93 4,911.29 3,536.76 2,093.46 3,489.57 547.82 2,714.94 4,536.93 2,406.40 19,856.14 5,610.86 7,590.63 31,168.78 10,796.34 179,657.30 19,501.68

2,814.29 19.02 15.49 12.14 11.70 33.62 22.94 12.92 27.94 6.03 32.84 36.32 23.98 108.22 33.62 19.48 70.92 48.29 573.44 187.15

2,903

929 963 1,068 1,147 1,228 1,312 1,377 1,445 1,513 1,536 1,571 1,630 1,699 1,797 1,856 2,016 2,255 2,421 2,732 2,903

32.00 32.00 1.17 33.17 3.62 36.79 2.72 39.51 2.79 42.30 2.89 45.19 2.24 47.43 2.34 49.78 2.34 52.12 0.79 52.91 1.21 54.12 2.03 56.15 2.38 58.53 3.38 61.90 2.03 63.93 5.51 69.45 8.23 77.68 5.72 83.40 10.71 94.11 5.89 100.00

779,921.67

475,928.20 476,679.43 478,188.30 479,445.83 481,502.75 486,414.05 489,950.81 492,044.27 495,533.84 496,081.66 498,796.61 503,333.53 505,739.94 525,596.07 531,206.94 538,797.57 569,966.35 580,762.69 760,419.99 779,921.67

61.02 61.02 0.10 61.12 0.19 61.31 0.16 61.47 0.26 61.74 0.63 62.37 0.45 62.82 0.27 63.09 0.45 63.54 0.07 63.61 0.35 63.95 0.58 64.54 0.31 64.84 2.55 67.39 0.72 68.11 0.97 69.08 4.00 73.08 1.38 74.46 23.04 97.50 2.50 100.00

2,814.29 2285.15 1562.54 1170.48 822.52 664.97 553.20 469.65 422.61 392.65 370.55 342.17 321.85 299.51 276.42 233.10 207.19 195.24 231.28 229.93

229.93

Page 131 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 11 - JAWA TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,951 15,970 17,477 9,052 9,677 5,737 4,923 3,973 2,260 1,402 1,152 1,380 865 1,345 816 1,296 1,118 452 516 195 99,557

19,951 35,921 53,398 62,450 72,127 77,864 82,787 86,760 89,020 90,422 91,574 92,954 93,819 95,164 95,980 97,276 98,394 98,846 99,362 99,557

20.04 20.04 16.04 36.08 17.55 53.64 9.09 62.73 9.72 72.45 5.76 78.21 4.94 83.16 3.99 87.15 2.27 89.42 1.41 90.82 1.16 91.98 1.39 93.37 0.87 94.24 1.35 95.59 0.82 96.41 1.30 97.71 1.12 98.83 0.45 99.29 0.52 99.80 0.20 100.00

8,096.24 2,423.30 4,976.61 4,398.08 7,873.42 6,723.04 7,021.47 8,207.48 6,356.97 5,168.23 4,477.80 6,651.65 4,905.46 9,440.48 6,863.97 15,364.25 14,702.25 7,222.51 9,538.76 3,349.48 143,761.43

8,096.24 10,519.54 15,496.15 19,894.22 27,767.64 34,490.68 41,512.15 49,719.63 56,076.60 61,244.83 65,722.63 72,374.28 77,279.73 86,720.22 93,584.18 108,948.43 123,650.68 130,873.19 140,411.95 143,761.43

5.63 5.63 1.69 7.32 3.46 10.78 3.06 13.84 5.48 19.32 4.68 23.99 4.88 28.88 5.71 34.58 4.42 39.01 3.60 42.60 3.11 45.72 4.63 50.34 3.41 53.76 6.57 60.32 4.77 65.10 10.69 75.78 10.23 86.01 5.02 91.03 6.64 97.67 2.33 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

103 21 24 20 33 28 46 33 22 16 22 24 16 36 58 93 64 59 132 38

5,484.04 533.91 1,362.17 783.68 669.75 223.41 2,812.53 1,554.57 2,155.87 1,813.91 726.71 511.81 1,682.25 2,772.70 15,823.40 13,861.81 14,088.85 5,881.93 8,859.50 11,557.84

888

103 124 148 168 201 229 275 308 330 346 368 392 408 444 502 595 659 718 850 888

11.60 11.60 2.36 13.96 2.70 16.67 2.25 18.92 3.72 22.64 3.15 25.79 5.18 30.97 3.72 34.68 2.48 37.16 1.80 38.96 2.48 41.44 2.70 44.14 1.80 45.95 4.05 50.00 6.53 56.53 10.47 67.00 7.21 74.21 6.64 80.86 14.86 95.72 4.28 100.00

93,160.64

5,484.04 6,017.95 7,380.12 8,163.80 8,833.54 9,056.95 11,869.49 13,424.06 15,579.92 17,393.83 18,120.54 18,632.36 20,314.61 23,087.31 38,910.71 52,772.52 66,861.37 72,743.29 81,602.80 93,160.64

5.89 5.89 67.74 0.57 6.46 22.03 1.46 7.92 27.37 0.84 8.76 17.82 0.72 9.48 8.51 0.24 9.72 3.32 3.02 12.74 40.06 1.67 14.41 18.94 2.31 16.72 33.91 1.95 18.67 35.10 0.78 19.45 16.23 0.55 20.00 7.69 1.81 21.81 34.29 2.98 24.78 29.37 16.99 41.77 230.53 14.88 56.65 90.22 15.12 71.77 95.83 6.31 78.08 81.44 9.51 87.59 92.88 12.41 100.00 345.06

67.74 57.21 47.63 41.04 31.81 26.26 28.59 27.00 27.78 28.40 27.57 25.74 26.29 26.62 41.58 48.44 54.07 55.58 58.12 64.80

64.80

Page 132 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,042 1,588 2,191 1,371 1,621 973 837 650 428 203 183 240 174 194 102 177 111 80 32 6 13,203

2,042 3,630 5,821 7,192 8,813 9,786 10,623 11,273 11,701 11,904 12,087 12,327 12,501 12,695 12,797 12,974 13,085 13,165 13,197 13,203

15.47 15.47 12.03 27.49 16.59 44.09 10.38 54.47 12.28 66.75 7.37 74.12 6.34 80.46 4.92 85.38 3.24 88.62 1.54 90.16 1.39 91.55 1.82 93.37 1.32 94.68 1.47 96.15 0.77 96.92 1.34 98.27 0.84 99.11 0.61 99.71 0.24 99.95 0.05 100.00

843.88 235.70 604.78 596.85 1,091.74 1,007.62 1,010.94 1,112.75 1,007.91 655.73 625.94 1,115.08 712.12 1,224.82 615.34 2,172.73 1,045.80 859.49 440.45 32.23 17,011.92

843.88 1,079.58 1,684.36 2,281.21 3,372.95 4,380.58 5,391.52 6,504.27 7,512.18 8,167.91 8,793.84 9,908.92 10,621.04 11,845.86 12,461.20 14,633.94 15,679.74 16,539.23 16,979.68 17,011.92

4.96 4.96 1.39 6.35 3.56 9.90 3.51 13.41 6.42 19.83 5.92 25.75 5.94 31.69 6.54 38.23 5.92 44.16 3.85 48.01 3.68 51.69 6.55 58.25 4.19 62.43 7.20 69.63 3.62 73.25 12.77 86.02 6.15 92.17 5.05 97.22 2.59 99.81 0.19 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 9 2 12 12 15 9 18 5 7 4 0 6 2 2 4 7 0 14 10 0 138

9 11 23 35 50 59 77 82 89 93 93 99 101 103 107 114 114 128 138 138

6.52 6.52 1.45 7.97 8.70 16.67 8.70 25.36 10.87 36.23 6.52 42.75 13.04 55.80 3.62 59.42 5.07 64.49 2.90 67.39 0.00 67.39 4.35 71.74 1.45 73.19 1.45 74.64 2.90 77.54 5.07 82.61 0.00 82.61 10.14 92.75 7.25 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 460.21 0.76 69.21 128.21 161.93 752.39 1,388.38 1,363.44 244.13 406.25 0.00 128.22 3.36 319.64 60.06 69.08 0.00 662.03 1,401.67 0.00 7,618.96

460.21 460.97 530.18 658.39 820.32 1,572.70 2,961.08 4,324.52 4,568.65 4,974.90 4,974.90 5,103.12 5,106.48 5,426.12 5,486.18 5,555.26 5,555.26 6,217.29 7,618.96 7,618.96

6.04 6.04 54.53 0.01 6.05 0.32 0.91 6.96 11.44 1.68 8.64 21.48 2.13 10.77 14.83 9.88 20.64 74.67 18.22 38.86 137.34 17.90 56.76 122.53 3.20 59.96 24.22 5.33 65.30 61.95 0.00 65.30 0.00 1.68 66.98 11.50 0.04 67.02 0.47 4.20 71.22 26.10 0.79 72.01 9.76 0.91 72.91 3.18 0.00 72.91 0.00 8.69 81.60 77.03 18.40 100.00 318.24 0.00 100.00 0.00

54.53 42.70 31.48 28.86 24.32 35.90 54.92 66.49 60.82 60.91 56.57 51.50 48.08 45.81 44.03 37.96 35.43 37.59 44.87 44.79

44.79

Page 133 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 13 - JAWA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,731 16,672 22,361 13,695 16,823 10,469 8,675 6,851 4,146 2,360 1,929 2,358 1,605 2,240 1,444 2,458 1,971 1,000 1,046 368 138,202

19,731 36,403 58,764 72,459 89,282 99,751 108,426 115,277 119,423 121,783 123,712 126,070 127,675 129,915 131,359 133,817 135,788 136,788 137,834 138,202

14.28 14.28 12.06 26.34 16.18 42.52 9.91 52.43 12.17 64.60 7.58 72.18 6.28 78.45 4.96 83.41 3.00 86.41 1.71 88.12 1.40 89.52 1.71 91.22 1.16 92.38 1.62 94.00 1.04 95.05 1.78 96.83 1.43 98.25 0.72 98.98 0.76 99.73 0.27 100.00

14,300.34 2,700.33 6,235.24 6,359.49 12,043.58 10,691.09 11,404.43 13,031.18 10,865.15 7,996.28 7,393.64 11,424.54 9,136.52 15,162.21 13,558.35 30,593.80 28,072.62 14,983.72 13,211.18 10,423.34 249,587.02

14,300.34 17,000.67 23,235.91 29,595.40 41,638.98 52,330.08 63,734.50 76,765.69 87,630.84 95,627.11 103,020.75 114,445.29 123,581.81 138,744.02 152,302.37 182,896.17 210,968.79 225,952.51 239,163.69 249,587.02

5.73 5.73 1.08 6.81 2.50 9.31 2.55 11.86 4.83 16.68 4.28 20.97 4.57 25.54 5.22 30.76 4.35 35.11 3.20 38.31 2.96 41.28 4.58 45.85 3.66 49.51 6.07 55.59 5.43 61.02 12.26 73.28 11.25 84.53 6.00 90.53 5.29 95.82 4.18 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

214 12 31 23 31 36 33 50 73 18 47 47 29 86 107 146 127 108 192 52

26,307.74 418.11 4,890.80 687.35 2,056.24 1,837.57 1,437.87 5,144.44 7,433.34 4,249.12 6,784.91 1,286.59 224.86 15,356.71 5,380.23 21,361.48 33,122.90 98,912.14 83,784.81 14,414.62

1,462

214 226 257 280 311 347 380 430 503 521 568 615 644 730 837 983 1,110 1,218 1,410 1,462

14.64 14.64 0.82 15.46 2.12 17.58 1.57 19.15 2.12 21.27 2.46 23.73 2.26 25.99 3.42 29.41 4.99 34.40 1.23 35.64 3.21 38.85 3.21 42.07 1.98 44.05 5.88 49.93 7.32 57.25 9.99 67.24 8.69 75.92 7.39 83.31 13.13 96.44 3.56 100.00

335,091.81

26,307.74 26,725.84 31,616.64 32,303.99 34,360.23 36,197.80 37,635.67 42,780.10 50,213.44 54,462.56 61,247.47 62,534.07 62,758.93 78,115.64 83,495.87 104,857.35 137,980.24 236,892.39 320,677.19 335,091.81

7.85 7.85 0.12 7.98 1.46 9.44 0.21 9.64 0.61 10.25 0.55 10.80 0.43 11.23 1.54 12.77 2.22 14.98 1.27 16.25 2.02 18.28 0.38 18.66 0.07 18.73 4.58 23.31 1.61 24.92 6.37 31.29 9.88 41.18 29.52 70.69 25.00 95.70 4.30 100.00

183.97 15.48 78.44 10.81 17.07 17.19 12.61 39.48 68.41 53.14 91.77 11.26 2.46 101.28 39.68 69.82 117.99 660.13 634.20 138.29

183.97 157.20 136.07 109.15 82.52 69.17 59.05 55.73 57.30 56.95 59.45 54.64 50.78 56.30 54.82 57.33 65.40 104.84 134.08 134.26

134.26

Page 134 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 14 - KALIMANTAN BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 8,236 8,352 10,365 3,982 3,344 1,266 858 655 439 247 205 213 118 202 89 220 164 69 88 12 39,124

8,236 16,588 26,953 30,935 34,279 35,545 36,403 37,058 37,497 37,744 37,949 38,162 38,280 38,482 38,571 38,791 38,955 39,024 39,112 39,124

21.05 21.05 21.35 42.40 26.49 68.89 10.18 79.07 8.55 87.62 3.24 90.85 2.19 93.05 1.67 94.72 1.12 95.84 0.63 96.47 0.52 97.00 0.54 97.54 0.30 97.84 0.52 98.36 0.23 98.59 0.56 99.15 0.42 99.57 0.18 99.74 0.22 99.97 0.03 100.00

3,679.37 4,062.67 9,454.80 6,429.02 7,881.90 3,958.91 3,232.43 2,820.80 1,670.46 1,050.97 1,025.35 1,074.56 780.42 1,356.89 934.94 2,916.76 2,471.25 1,575.03 1,485.15 486.43 58,348.10

3,679.37 7,742.04 17,196.84 23,625.87 31,507.77 35,466.68 38,699.10 41,519.90 43,190.36 44,241.33 45,266.68 46,341.23 47,121.65 48,478.54 49,413.48 52,330.23 54,801.48 56,376.51 57,861.66 58,348.10

6.31 6.31 6.96 13.27 16.20 29.47 11.02 40.49 13.51 54.00 6.78 60.78 5.54 66.32 4.83 71.16 2.86 74.02 1.80 75.82 1.76 77.58 1.84 79.42 1.34 80.76 2.33 83.09 1.60 84.69 5.00 89.69 4.24 93.92 2.70 96.62 2.55 99.17 0.83 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 78 68 61 30 25 9 15 9 2 4 5 0 2 13 6 20 0 10 15 10 382

78 146 207 237 262 271 286 295 297 301 306 306 308 321 327 347 347 357 372 382

20.42 20.42 17.80 38.22 15.97 54.19 7.85 62.04 6.54 68.59 2.36 70.94 3.93 74.87 2.36 77.23 0.52 77.75 1.05 78.80 1.31 80.10 0.00 80.10 0.52 80.63 3.40 84.03 1.57 85.60 5.24 90.84 0.00 90.84 2.62 93.46 3.93 97.38 2.62 100.00

: : :

01/01/2010 15/12/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,835.30 2,270.65 3,007.66 1,946.68 2,180.68 891.60 1,930.98 1,209.63 12.86 664.65 196.08 0.00 50.00 561.51 2,210.46 10,247.18 0.00 316.37 829.80 72.12 32,434.19

3,835.30 6,105.95 9,113.60 11,060.28 13,240.96 14,132.55 16,063.53 17,273.17 17,286.02 17,950.68 18,146.76 18,146.76 18,196.76 18,758.26 20,968.72 31,215.90 31,215.90 31,532.27 32,362.07 32,434.19

11.82 11.82 104.24 104.24 7.00 18.83 55.89 78.87 9.27 28.10 31.81 53.00 6.00 34.10 30.28 46.81 6.72 40.82 27.67 42.02 2.75 43.57 22.52 39.85 5.95 49.53 59.74 41.51 3.73 53.26 42.88 41.60 0.04 53.30 0.77 40.02 2.05 55.34 63.24 40.57 0.60 55.95 19.12 40.09 0.00 55.95 0.00 39.16 0.15 56.10 6.41 38.62 1.73 57.83 41.38 38.69 6.82 64.65 236.43 42.44 31.59 96.24 351.32 59.65 0.00 96.24 0.00 56.96 0.98 97.22 20.09 55.93 2.56 99.78 55.87 55.93 0.22 100.00 14.83 55.59 55.59

Page 135 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 15 - KALIMANTAN TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,623 1,619 1,957 987 1,043 501 340 280 180 81 51 49 47 87 40 79 74 82 68 9 10,197

2,623 4,242 6,199 7,186 8,229 8,730 9,070 9,350 9,530 9,611 9,662 9,711 9,758 9,845 9,885 9,964 10,038 10,120 10,188 10,197

25.72 25.72 15.88 41.60 19.19 60.79 9.68 70.47 10.23 80.70 4.91 85.61 3.33 88.95 2.75 91.69 1.77 93.46 0.79 94.25 0.50 94.75 0.48 95.23 0.46 95.69 0.85 96.55 0.39 96.94 0.77 97.72 0.73 98.44 0.80 99.24 0.67 99.91 0.09 100.00

908.16 411.10 958.62 843.11 1,368.94 1,057.66 922.59 1,066.61 802.88 417.14 247.88 296.67 255.76 490.37 331.43 1,218.15 1,215.36 973.53 1,824.58 108.17 15,718.72

908.16 1,319.26 2,277.88 3,120.99 4,489.93 5,547.59 6,470.18 7,536.79 8,339.67 8,756.82 9,004.70 9,301.37 9,557.13 10,047.50 10,378.93 11,597.08 12,812.44 13,785.97 15,610.56 15,718.72

5.78 5.78 2.62 8.39 6.10 14.49 5.36 19.86 8.71 28.56 6.73 35.29 5.87 41.16 6.79 47.95 5.11 53.06 2.65 55.71 1.58 57.29 1.89 59.17 1.63 60.80 3.12 63.92 2.11 66.03 7.75 73.78 7.73 81.51 6.19 87.70 11.61 99.31 0.69 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 2 12 7 9 6 2 2 3 0 0 0 2 7 9 7 24 8 11 0 116

5 7 19 26 35 41 43 45 48 48 48 48 50 57 66 73 97 105 116 116

4.31 4.31 1.72 6.03 10.34 16.38 6.03 22.41 7.76 30.17 5.17 35.34 1.72 37.07 1.72 38.79 2.59 41.38 0.00 41.38 0.00 41.38 0.00 41.38 1.72 43.10 6.03 49.14 7.76 56.90 6.03 62.93 20.69 83.62 6.90 90.52 9.48 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 160.92 18.43 620.82 380.91 723.58 290.74 607.67 7.86 6.49 0.00 0.00 0.00 3.49 321.90 218.39 190.90 905.40 45.16 146.09 0.00 4,648.75

160.92 179.35 800.17 1,181.09 1,904.66 2,195.40 2,803.07 2,810.93 2,817.42 2,817.42 2,817.42 2,817.42 2,820.91 3,142.80 3,361.20 3,552.10 4,457.50 4,502.65 4,648.75 4,648.75

3.46 3.46 0.40 3.86 13.35 17.21 8.19 25.41 15.56 40.97 6.25 47.23 13.07 60.30 0.17 60.47 0.14 60.61 0.00 60.61 0.00 60.61 0.00 60.61 0.07 60.68 6.92 67.61 4.70 72.30 4.11 76.41 19.48 95.89 0.97 96.86 3.14 100.00 0.00 100.00

17.72 4.48 64.76 45.18 52.86 27.49 65.87 0.74 0.81 0.00 0.00 0.00 1.36 65.64 65.89 15.67 74.50 4.64 8.01 0.00

17.72 13.59 35.13 37.84 42.42 39.57 43.32 37.30 33.78 32.17 31.29 30.29 29.52 31.28 32.38 30.63 34.79 32.66 29.78 29.57

29.57

Page 136 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 16 - KALIMANTAN SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,023 3,014 3,880 1,983 2,009 1,078 609 488 326 186 138 169 117 177 103 215 167 86 82 40 17,890

3,023 6,037 9,917 11,900 13,909 14,987 15,596 16,084 16,410 16,596 16,734 16,903 17,020 17,197 17,300 17,515 17,682 17,768 17,850 17,890

16.90 16.90 16.85 33.75 21.69 55.43 11.08 66.52 11.23 77.75 6.03 83.77 3.40 87.18 2.73 89.90 1.82 91.73 1.04 92.77 0.77 93.54 0.94 94.48 0.65 95.14 0.99 96.13 0.58 96.70 1.20 97.90 0.93 98.84 0.48 99.32 0.46 99.78 0.22 100.00

1,614.93 566.71 1,283.61 1,122.55 1,835.74 1,603.52 1,440.85 1,370.19 1,033.28 851.54 638.79 774.94 708.36 1,269.17 992.01 1,985.32 2,330.88 1,300.86 1,623.09 546.30 24,892.65

1,614.93 2,181.64 3,465.25 4,587.81 6,423.54 8,027.06 9,467.91 10,838.10 11,871.39 12,722.92 13,361.71 14,136.65 14,845.02 16,114.19 17,106.20 19,091.52 21,422.40 22,723.27 24,346.36 24,892.65

6.49 6.49 2.28 8.76 5.16 13.92 4.51 18.43 7.37 25.80 6.44 32.25 5.79 38.03 5.50 43.54 4.15 47.69 3.42 51.11 2.57 53.68 3.11 56.79 2.85 59.64 5.10 64.73 3.99 68.72 7.98 76.70 9.36 86.06 5.23 91.29 6.52 97.81 2.19 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 14 8 4 8 4 5 8 4 6 0 0 0 0 4 6 6 14 2 14 40 147

14 22 26 34 38 43 51 55 61 61 61 61 61 65 71 77 91 93 107 147

9.52 9.52 5.44 14.97 2.72 17.69 5.44 23.13 2.72 25.85 3.40 29.25 5.44 34.69 2.72 37.41 4.08 41.50 0.00 41.50 0.00 41.50 0.00 41.50 0.00 41.50 2.72 44.22 4.08 48.30 4.08 52.38 9.52 61.90 1.36 63.27 9.52 72.79 27.21 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 134.69 143.56 255.98 43.90 13.83 63.98 26.12 445.29 234.74 0.00 0.00 0.00 0.00 17.01 842.36 1,214.55 790.44 2,029.29 600.89 464.30 7,320.92

134.69 278.25 534.23 578.12 591.95 655.93 682.05 1,127.34 1,362.07 1,362.07 1,362.07 1,362.07 1,362.07 1,379.09 2,221.44 3,436.00 4,226.43 6,255.72 6,856.61 7,320.92

1.84 1.84 8.34 1.96 3.80 25.33 3.50 7.30 19.94 0.60 7.90 3.91 0.19 8.09 0.75 0.87 8.96 3.99 0.36 9.32 1.81 6.08 15.40 32.50 3.21 18.61 22.72 0.00 18.61 0.00 0.00 18.61 0.00 0.00 18.61 0.00 0.00 18.61 0.00 0.23 18.84 1.34 11.51 30.34 84.91 16.59 46.93 61.18 10.80 57.73 33.91 27.72 85.45 156.00 8.21 93.66 37.02 6.34 100.00 84.99

8.34 12.75 15.42 12.60 9.22 8.17 7.20 10.40 11.47 10.71 10.19 9.64 9.18 8.56 12.99 18.00 19.73 27.53 28.16 29.41

29.41

Page 137 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 17 - KALIMANTAN TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,821 3,407 5,451 3,569 4,169 2,227 1,559 1,344 713 404 292 310 276 303 203 357 305 179 264 101 29,254

3,821 7,228 12,679 16,248 20,417 22,644 24,203 25,547 26,260 26,664 26,956 27,266 27,542 27,845 28,048 28,405 28,710 28,889 29,153 29,254

13.06 13.06 11.65 24.71 18.63 43.34 12.20 55.54 14.25 69.79 7.61 77.40 5.33 82.73 4.59 87.33 2.44 89.77 1.38 91.15 1.00 92.14 1.06 93.20 0.94 94.15 1.04 95.18 0.69 95.88 1.22 97.10 1.04 98.14 0.61 98.75 0.90 99.65 0.35 100.00

3,073.95 812.83 2,126.42 2,214.58 4,426.19 3,612.77 3,882.68 4,260.28 2,715.03 1,706.05 1,496.92 2,037.40 1,668.45 2,296.42 1,577.23 3,335.05 3,853.50 2,127.57 4,133.81 3,238.45 54,595.58

3,073.95 3,886.78 6,013.21 8,227.78 12,653.97 16,266.74 20,149.42 24,409.70 27,124.73 28,830.78 30,327.70 32,365.10 34,033.55 36,329.97 37,907.21 41,242.25 45,095.75 47,223.31 51,357.13 54,595.58

5.63 5.63 1.49 7.12 3.89 11.01 4.06 15.07 8.11 23.18 6.62 29.79 7.11 36.91 7.80 44.71 4.97 49.68 3.12 52.81 2.74 55.55 3.73 59.28 3.06 62.34 4.21 66.54 2.89 69.43 6.11 75.54 7.06 82.60 3.90 86.50 7.57 94.07 5.93 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 32 8 37 9 21 12 3 6 11 8 15 7 2 6 9 6 17 20 50 51 330

32 40 77 86 107 119 122 128 139 147 162 169 171 177 186 192 209 229 279 330

9.70 9.70 2.42 12.12 11.21 23.33 2.73 26.06 6.36 32.42 3.64 36.06 0.91 36.97 1.82 38.79 3.33 42.12 2.42 44.55 4.55 49.09 2.12 51.21 0.61 51.82 1.82 53.64 2.73 56.36 1.82 58.18 5.15 63.33 6.06 69.39 15.15 84.55 15.45 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

47,626.76 204.46 1,234.27 192.39 1,477.38 381.71 73.46 530.30 1,380.33 156.02 5,245.22 433.06 0.00 350.79 1,468.28 116.84 1,701.82 4,134.37 86,223.95 2,828.61

1,549.37 25.15 58.04 8.69 33.38 10.57 1.89 12.45 50.84 9.15 350.40 21.26 0.00 15.28 93.09 3.50 44.16 194.32 2,085.82 87.34

155,760.04

47,626.76 47,831.23 49,065.49 49,257.88 50,735.26 51,116.98 51,190.44 51,720.74 53,101.07 53,257.09 58,502.31 58,935.36 58,935.36 59,286.15 60,754.43 60,871.28 62,573.10 66,707.47 152,931.42 155,760.04

30.58 30.58 0.13 30.71 0.79 31.50 0.12 31.62 0.95 32.57 0.25 32.82 0.05 32.86 0.34 33.21 0.89 34.09 0.10 34.19 3.37 37.56 0.28 37.84 0.00 37.84 0.23 38.06 0.94 39.01 0.08 39.08 1.09 40.17 2.65 42.83 55.36 98.18 1.82 100.00

1,549.37 1230.61 815.96 598.68 400.94 314.24 254.05 211.89 195.77 184.72 192.90 182.10 173.17 163.19 160.27 147.59 138.76 141.26 297.78 285.30

285.30

Page 138 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 18 - SULAWESI UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,511 1,591 2,892 2,057 2,151 1,136 832 671 441 236 154 189 105 197 95 130 87 23 38 8 14,544

1,511 3,102 5,994 8,051 10,202 11,338 12,170 12,841 13,282 13,518 13,672 13,861 13,966 14,163 14,258 14,388 14,475 14,498 14,536 14,544

10.39 10.39 10.94 21.33 19.88 41.21 14.14 55.36 14.79 70.15 7.81 77.96 5.72 83.68 4.61 88.29 3.03 91.32 1.62 92.95 1.06 94.00 1.30 95.30 0.72 96.03 1.35 97.38 0.65 98.03 0.89 98.93 0.60 99.53 0.16 99.68 0.26 99.94 0.06 100.00

743.40 309.18 948.48 1,044.65 1,849.03 1,679.95 1,786.26 2,024.49 1,677.64 1,148.11 928.58 1,064.91 704.89 1,941.77 900.53 1,921.43 1,503.94 324.79 381.73 127.62 23,011.36

743.40 1,052.58 2,001.06 3,045.71 4,894.73 6,574.69 8,360.95 10,385.44 12,063.07 13,211.18 14,139.76 15,204.67 15,909.56 17,851.32 18,751.85 20,673.28 22,177.22 22,502.01 22,883.74 23,011.36

3.23 3.23 1.34 4.57 4.12 8.70 4.54 13.24 8.04 21.27 7.30 28.57 7.76 36.33 8.80 45.13 7.29 52.42 4.99 57.41 4.04 61.45 4.63 66.07 3.06 69.14 8.44 77.58 3.91 81.49 8.35 89.84 6.54 96.38 1.41 97.79 1.66 99.45 0.55 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 4 3 4 16 4 2 2 5 2 0 0 0 8 2 2 0 3 5 7 71

2 6 9 13 29 33 35 37 42 44 44 44 44 52 54 56 56 59 64 71

2.82 2.82 5.63 8.45 4.23 12.68 5.63 18.31 22.54 40.85 5.63 46.48 2.82 49.30 2.82 52.11 7.04 59.15 2.82 61.97 0.00 61.97 0.00 61.97 0.00 61.97 11.27 73.24 2.82 76.06 2.82 78.87 0.00 78.87 4.23 83.10 7.04 90.14 9.86 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 140.32 100.66 209.01 226.17 1,530.42 822.82 679.70 396.69 1,231.32 6.65 0.00 0.00 0.00 4,827.03 0.00 32.24 0.00 773.81 1,476.01 7,417.52 19,870.36

140.32 240.99 450.00 676.16 2,206.58 3,029.40 3,709.11 4,105.79 5,337.12 5,343.76 5,343.76 5,343.76 5,343.76 10,170.79 10,170.79 10,203.03 10,203.03 10,976.84 12,452.85 19,870.36

0.71 0.71 0.51 1.21 1.05 2.26 1.14 3.40 7.70 11.10 4.14 15.25 3.42 18.67 2.00 20.66 6.20 26.86 0.03 26.89 0.00 26.89 0.00 26.89 0.00 26.89 24.29 51.19 0.00 51.19 0.16 51.35 0.00 51.35 3.89 55.24 7.43 62.67 37.33 100.00

: : :

01/01/2010 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 18.88 32.56 22.04 21.65 82.77 48.98 38.05 19.59 73.40 0.58 0.00 0.00 0.00 248.59 0.00 1.68 0.00 238.25 386.66 5,812.22

18.88 22.90 22.49 22.20 45.08 46.08 44.36 39.53 44.24 40.45 37.79 35.15 33.59 56.98 54.24 49.35 46.01 48.78 54.42 86.35

86.35

Page 139 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 19 - SULAWESI TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,500 1,309 1,651 1,067 1,060 543 428 319 178 97 60 84 56 83 21 40 33 21 8 2 8,560

1,500 2,809 4,460 5,527 6,587 7,130 7,558 7,877 8,055 8,152 8,212 8,296 8,352 8,435 8,456 8,496 8,529 8,550 8,558 8,560

17.52 17.52 15.29 32.82 19.29 52.10 12.46 64.57 12.38 76.95 6.34 83.29 5.00 88.29 3.73 92.02 2.08 94.10 1.13 95.23 0.70 95.93 0.98 96.92 0.65 97.57 0.97 98.54 0.25 98.79 0.47 99.25 0.39 99.64 0.25 99.88 0.09 99.98 0.02 100.00

309.08 327.74 731.26 847.85 1,454.18 1,248.33 1,408.11 1,430.91 1,081.23 795.45 514.64 712.42 509.98 451.28 354.98 724.30 503.12 295.59 276.81 0.07 13,977.32

309.08 636.82 1,368.08 2,215.92 3,670.10 4,918.43 6,326.54 7,757.45 8,838.68 9,634.13 10,148.77 10,861.19 11,371.17 11,822.45 12,177.43 12,901.72 13,404.84 13,700.43 13,977.24 13,977.32

2.21 2.21 2.34 4.56 5.23 9.79 6.07 15.85 10.40 26.26 8.93 35.19 10.07 45.26 10.24 55.50 7.74 63.24 5.69 68.93 3.68 72.61 5.10 77.71 3.65 81.35 3.23 84.58 2.54 87.12 5.18 92.30 3.60 95.90 2.11 98.02 1.98 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 0 0 2 0 3 2 0 0 0 0 0 0 0 0 0 0 0 0 13

4 6 6 6 8 8 11 13 13 13 13 13 13 13 13 13 13 13 13 13

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

30.77 46.15 46.15 46.15 61.54 61.54 84.62 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4.50 13.72 0.00 0.00 4.00 0.00 920.66 37.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 980.28

4.50 18.22 18.22 18.22 22.22 22.22 942.88 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28

0.46 1.40 0.00 0.00 0.41 0.00 93.92 3.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.46 1.86 1.86 1.86 2.27 2.27 96.18 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

1.46 4.19 0.00 0.00 0.28 0.00 65.38 2.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.46 2.86 1.33 0.82 0.61 0.45 14.90 12.64 11.09 10.18 9.66 9.03 8.62 8.29 8.05 7.60 7.31 7.16 7.01 7.01

7.01

Page 140 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 20 - SULAWESI SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,152 4,963 7,330 4,211 4,502 2,369 1,432 1,227 704 381 308 338 237 308 191 289 239 128 135 36 34,480

5,152 10,115 17,445 21,656 26,158 28,527 29,959 31,186 31,890 32,271 32,579 32,917 33,154 33,462 33,653 33,942 34,181 34,309 34,444 34,480

14.94 14.94 14.39 29.34 21.26 50.59 12.21 62.81 13.06 75.86 6.87 82.73 4.15 86.89 3.56 90.45 2.04 92.49 1.10 93.59 0.89 94.49 0.98 95.47 0.69 96.15 0.89 97.05 0.55 97.60 0.84 98.44 0.69 99.13 0.37 99.50 0.39 99.90 0.10 100.00

791.15 1,030.79 2,277.70 (2,651.67) 4,465.89 3,604.70 2,866.75 3,420.83 2,429.53 1,464.23 1,381.37 1,960.75 1,570.20 2,566.01 1,863.09 4,367.15 3,316.21 1,867.69 3,291.24 2,371.35 44,254.95

791.15 1,821.94 4,099.64 1,447.96 5,913.85 9,518.55 12,385.30 15,806.13 18,235.66 19,699.89 21,081.26 23,042.01 24,612.21 27,178.22 29,041.31 33,408.46 36,724.67 38,592.36 41,883.60 44,254.95

1.79 1.79 2.33 4.12 5.15 9.26 (5.99) 3.27 10.09 13.36 8.15 21.51 6.48 27.99 7.73 35.72 5.49 41.21 3.31 44.51 3.12 47.64 4.43 52.07 3.55 55.61 5.80 61.41 4.21 65.62 9.87 75.49 7.49 82.98 4.22 87.20 7.44 94.64 5.36 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 22 8 8 2 18 4 9 2 2 4 0 2 2 3 0 17 11 6 8 7 135

22 30 38 40 58 62 71 73 75 79 79 81 83 86 86 103 114 120 128 135

16.30 16.30 5.93 22.22 5.93 28.15 1.48 29.63 13.33 42.96 2.96 45.93 6.67 52.59 1.48 54.07 1.48 55.56 2.96 58.52 0.00 58.52 1.48 60.00 1.48 61.48 2.22 63.70 0.00 63.70 12.59 76.30 8.15 84.44 4.44 88.89 5.93 94.81 5.19 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4,703.55 163.72 362.70 42.42 532.09 74.13 1,033.42 17.12 27.76 86.21 0.00 10.00 43.62 409.43 0.00 750.92 1,238.75 1,454.90 1,772.41 2,370.45 15,093.60

4,703.55 4,867.27 5,229.97 5,272.39 5,804.48 5,878.61 6,912.04 6,929.16 6,956.92 7,043.13 7,043.13 7,053.13 7,096.75 7,506.18 7,506.18 8,257.10 9,495.85 10,950.74 12,723.15 15,093.60

31.16 31.16 594.52 594.52 1.08 32.25 15.88 267.15 2.40 34.65 15.92 127.57 0.28 34.93 (1.60) 364.12 3.53 38.46 11.91 98.15 0.49 38.95 2.06 61.76 6.85 45.79 36.05 55.81 0.11 45.91 0.50 43.84 0.18 46.09 1.14 38.15 0.57 46.66 5.89 35.75 0.00 46.66 0.00 33.41 0.07 46.73 0.51 30.61 0.29 47.02 2.78 28.83 2.71 49.73 15.96 27.62 0.00 49.73 0.00 25.85 4.98 54.71 17.19 24.72 8.21 62.91 37.35 25.86 9.64 72.55 77.90 28.38 11.74 84.30 53.85 30.38 15.70 100.00 99.96 34.11 34.11

Page 141 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 21 - SULAWESI TENGGARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 774 626 913 625 695 407 230 182 97 57 51 75 30 51 10 19 27 3 8 7 4,887

774 1,400 2,313 2,938 3,633 4,040 4,270 4,452 4,549 4,606 4,657 4,732 4,762 4,813 4,823 4,842 4,869 4,872 4,880 4,887

15.84 15.84 12.81 28.65 18.68 47.33 12.79 60.12 14.22 74.34 8.33 82.67 4.71 87.37 3.72 91.10 1.98 93.08 1.17 94.25 1.04 95.29 1.53 96.83 0.61 97.44 1.04 98.49 0.20 98.69 0.39 99.08 0.55 99.63 0.06 99.69 0.16 99.86 0.14 100.00

295.34 143.40 293.78 392.97 763.84 771.94 576.93 683.48 364.29 256.56 254.41 403.77 267.57 424.49 134.34 227.69 460.62 54.91 61.82 163.74 6,995.89

295.34 438.74 732.51 1,125.48 1,889.31 2,661.26 3,238.18 3,921.66 4,285.95 4,542.52 4,796.92 5,200.69 5,468.27 5,892.76 6,027.10 6,254.79 6,715.41 6,770.32 6,832.15 6,995.89

4.22 4.22 2.05 6.27 4.20 10.47 5.62 16.09 10.92 27.01 11.03 38.04 8.25 46.29 9.77 56.06 5.21 61.26 3.67 64.93 3.64 68.57 5.77 74.34 3.82 78.16 6.07 84.23 1.92 86.15 3.25 89.41 6.58 95.99 0.78 96.78 0.88 97.66 2.34 100.00

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

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

0.00 0.00 50.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 50.00 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 10.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 49.46 0.00 59.67

0.00 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 59.67 59.67

0.00 0.00 17.11 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 82.89 100.00 0.00 100.00

0.00 7.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 80.00 0.00

0.00 2.33 1.39 0.91 0.54 0.38 0.32 0.26 0.24 0.22 0.21 0.20 0.19 0.17 0.17 0.16 0.15 0.15 0.87 0.85

0.85

Page 142 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 22 - BALI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,567 2,910 4,333 2,753 3,627 2,324 2,155 1,933 1,393 854 600 776 424 506 367 479 398 136 195 55 30,785

4,567 7,477 11,810 14,563 18,190 20,514 22,669 24,602 25,995 26,849 27,449 28,225 28,649 29,155 29,522 30,001 30,399 30,535 30,730 30,785

14.84 14.84 9.45 24.29 14.08 38.36 8.94 47.31 11.78 59.09 7.55 66.64 7.00 73.64 6.28 79.92 4.52 84.44 2.77 87.21 1.95 89.16 2.52 91.68 1.38 93.06 1.64 94.71 1.19 95.90 1.56 97.45 1.29 98.75 0.44 99.19 0.63 99.82 0.18 100.00

2,647.33 519.95 1,376.41 1,387.88 2,958.98 2,782.90 3,395.09 4,384.09 4,206.00 3,026.83 2,650.81 3,802.15 2,566.88 3,615.36 3,420.68 5,886.13 4,705.28 1,772.63 2,875.84 1,225.36 59,206.58

2,647.33 3,167.29 4,543.70 5,931.57 8,890.55 11,673.45 15,068.54 19,452.64 23,658.64 26,685.47 29,336.27 33,138.43 35,705.31 39,320.67 42,741.35 48,627.47 53,332.75 55,105.38 57,981.22 59,206.58

4.47 4.47 0.88 5.35 2.32 7.67 2.34 10.02 5.00 15.02 4.70 19.72 5.73 25.45 7.40 32.86 7.10 39.96 5.11 45.07 4.48 49.55 6.42 55.97 4.34 60.31 6.11 66.41 5.78 72.19 9.94 82.13 7.95 90.08 2.99 93.07 4.86 97.93 2.07 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 61 6 6 4 14 18 13 18 23 37 16 17 13 29 36 19 43 25 57 22 477

61 67 73 77 91 109 122 140 163 200 216 233 246 275 311 330 373 398 455 477

12.79 12.79 1.26 14.05 1.26 15.30 0.84 16.14 2.94 19.08 3.77 22.85 2.73 25.58 3.77 29.35 4.82 34.17 7.76 41.93 3.35 45.28 3.56 48.85 2.73 51.57 6.08 57.65 7.55 65.20 3.98 69.18 9.01 78.20 5.24 83.44 11.95 95.39 4.61 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6,627.07 360.69 13.45 35.42 173.16 230.06 367.80 36.55 126.44 1,127.57 165.77 248.64 264.71 4,218.16 1,360.89 307.15 3,173.84 444.94 14,277.61 395.41 33,955.34

6,627.07 6,987.77 7,001.22 7,036.64 7,209.80 7,439.86 7,807.66 7,844.22 7,970.66 9,098.23 9,264.00 9,512.64 9,777.35 13,995.51 15,356.40 15,663.54 18,837.38 19,282.32 33,559.93 33,955.34

19.52 19.52 250.33 250.33 1.06 20.58 69.37 220.62 0.04 20.62 0.98 154.09 0.10 20.72 2.55 118.63 0.51 21.23 5.85 81.10 0.68 21.91 8.27 63.73 1.08 22.99 10.83 51.81 0.11 23.10 0.83 40.32 0.37 23.47 3.01 33.69 3.32 26.79 37.25 34.09 0.49 27.28 6.25 31.58 0.73 28.02 6.54 28.71 0.78 28.79 10.31 27.38 12.42 41.22 116.67 35.59 4.01 45.23 39.78 35.93 0.90 46.13 5.22 32.21 9.35 55.48 67.45 35.32 1.31 56.79 25.10 34.99 42.05 98.84 496.47 57.88 1.16 100.00 32.27 57.35 57.35

Page 143 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 23 - NUSA TENGGARA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,411 1,464 1,879 941 1,055 490 318 316 139 103 76 112 65 69 39 70 56 16 21 8 8,648

1,411 2,875 4,754 5,695 6,750 7,240 7,558 7,874 8,013 8,116 8,192 8,304 8,369 8,438 8,477 8,547 8,603 8,619 8,640 8,648

16.32 16.32 16.93 33.24 21.73 54.97 10.88 65.85 12.20 78.05 5.67 83.72 3.68 87.40 3.65 91.05 1.61 92.66 1.19 93.85 0.88 94.73 1.30 96.02 0.75 96.77 0.80 97.57 0.45 98.02 0.81 98.83 0.65 99.48 0.19 99.66 0.24 99.91 0.09 100.00

359.03 320.22 839.57 736.85 1,082.50 826.91 709.39 821.32 601.03 484.68 338.70 577.95 451.35 512.85 347.65 915.49 539.82 221.83 312.06 434.40 11,433.58

359.03 679.25 1,518.82 2,255.67 3,338.17 4,165.08 4,874.47 5,695.79 6,296.82 6,781.49 7,120.19 7,698.14 8,149.49 8,662.34 9,009.98 9,925.47 10,465.29 10,687.12 10,999.18 11,433.58

3.14 3.14 2.80 5.94 7.34 13.28 6.44 19.73 9.47 29.20 7.23 36.43 6.20 42.63 7.18 49.82 5.26 55.07 4.24 59.31 2.96 62.27 5.05 67.33 3.95 71.28 4.49 75.76 3.04 78.80 8.01 86.81 4.72 91.53 1.94 93.47 2.73 96.20 3.80 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 4 0 2 2 0 0 2 2 2 0 2 2 0 6 3 2 7 4 0 42

2 6 6 8 10 10 10 12 14 16 16 18 20 20 26 29 31 38 42 42

4.76 4.76 9.52 14.29 0.00 14.29 4.76 19.05 4.76 23.81 0.00 23.81 0.00 23.81 4.76 28.57 4.76 33.33 4.76 38.10 0.00 38.10 4.76 42.86 4.76 47.62 0.00 47.62 14.29 61.90 7.14 69.05 4.76 73.81 16.67 90.48 9.52 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 42.12 0.22 0.00 15.30 1.34 0.00 0.00 1,882.86 54.79 8.58 0.00 193.08 4.45 0.00 20.42 364.31 26.18 505.54 184.95 0.00 3,304.16

42.12 42.34 42.34 57.64 58.99 58.99 58.99 1,941.85 1,996.64 2,005.23 2,005.23 2,198.31 2,202.75 2,202.75 2,223.17 2,587.49 2,613.66 3,119.20 3,304.16 3,304.16

1.27 1.27 11.73 0.01 1.28 0.07 0.00 1.28 0.00 0.46 1.74 2.08 0.04 1.79 0.12 0.00 1.79 0.00 0.00 1.79 0.00 56.98 58.77 229.25 1.66 60.43 9.12 0.26 60.69 1.77 0.00 60.69 0.00 5.84 66.53 33.41 0.13 66.67 0.98 0.00 66.67 0.00 0.62 67.28 5.87 11.03 78.31 39.79 0.79 79.10 4.85 15.30 94.40 227.89 5.60 100.00 59.27 0.00 100.00 0.00

11.73 6.23 2.79 2.56 1.77 1.42 1.21 34.09 31.71 29.57 28.16 28.56 27.03 25.43 24.67 26.07 24.97 29.19 30.04 28.90

28.90

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 707 913 1,282 748 799 520 384 324 170 92 63 61 39 65 22 27 22 8 4 0 6,250

707 1,620 2,902 3,650 4,449 4,969 5,353 5,677 5,847 5,939 6,002 6,063 6,102 6,167 6,189 6,216 6,238 6,246 6,250 6,250

11.31 11.31 14.61 25.92 20.51 46.43 11.97 58.40 12.78 71.18 8.32 79.50 6.14 85.65 5.18 90.83 2.72 93.55 1.47 95.02 1.01 96.03 0.98 97.01 0.62 97.63 1.04 98.67 0.35 99.02 0.43 99.46 0.35 99.81 0.13 99.94 0.06 100.00 0.00 100.00

239.56 182.84 474.96 503.69 1,069.57 981.22 1,074.63 1,237.08 837.19 517.85 379.49 487.39 352.07 647.50 238.39 368.43 371.61 22.53 57.40 0.00 10,043.42

239.56 422.40 897.37 1,401.06 2,470.63 3,451.85 4,526.47 5,763.55 6,600.75 7,118.60 7,498.09 7,985.49 8,337.56 8,985.06 9,223.45 9,591.88 9,963.49 9,986.01 10,043.42 10,043.42

2.39 2.39 1.82 4.21 4.73 8.93 5.02 13.95 10.65 24.60 9.77 34.37 10.70 45.07 12.32 57.39 8.34 65.72 5.16 70.88 3.78 74.66 4.85 79.51 3.51 83.02 6.45 89.46 2.37 91.84 3.67 95.50 3.70 99.20 0.22 99.43 0.57 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 4 0 0 6 0 0 0 0 0 0 4 0 0 5 0 0 0 21

2 2 2 6 6 6 12 12 12 12 12 12 12 16 16 16 21 21 21 21

9.52 0.00 0.00 19.05 0.00 0.00 28.57 0.00 0.00 0.00 0.00 0.00 0.00 19.05 0.00 0.00 23.81 0.00 0.00 0.00

9.52 9.52 9.52 28.57 28.57 28.57 57.14 57.14 57.14 57.14 57.14 57.14 57.14 76.19 76.19 76.19 100.00 100.00 100.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 2,400.56 0.00 0.00 279.12 0.00 0.00 1,009.18 0.00 0.00 0.00 0.00 0.00 0.00 198.18 0.00 0.00 38.16 0.00 0.00 0.00 3,925.21

2,400.56 2,400.56 2,400.56 2,679.68 2,679.68 2,679.68 3,688.87 3,688.87 3,688.87 3,688.87 3,688.87 3,688.87 3,688.87 3,887.05 3,887.05 3,887.05 3,925.21 3,925.21 3,925.21 3,925.21

61.16 0.00 0.00 7.11 0.00 0.00 25.71 0.00 0.00 0.00 0.00 0.00 0.00 5.05 0.00 0.00 0.97 0.00 0.00 0.00

61.16 61.16 61.16 68.27 68.27 68.27 93.98 93.98 93.98 93.98 93.98 93.98 93.98 99.03 99.03 99.03 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 1,002.05 0.00 0.00 55.41 0.00 0.00 93.91 0.00 0.00 0.00 0.00 0.00 0.00 30.61 0.00 0.00 10.27 0.00 0.00 0.00

1,002.05 568.31 267.51 191.26 108.46 77.63 81.50 64.00 55.89 51.82 49.20 46.19 44.24 43.26 42.14 40.52 39.40 39.31 39.08 39.08

39.08

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 25 - MALUKU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 239 382 557 357 365 212 169 155 76 52 42 31 31 33 18 32 19 12 10 2 2,794

239 621 1,178 1,535 1,900 2,112 2,281 2,436 2,512 2,564 2,606 2,637 2,668 2,701 2,719 2,751 2,770 2,782 2,792 2,794

8.55 8.55 13.67 22.23 19.94 42.16 12.78 54.94 13.06 68.00 7.59 75.59 6.05 81.64 5.55 87.19 2.72 89.91 1.86 91.77 1.50 93.27 1.11 94.38 1.11 95.49 1.18 96.67 0.64 97.32 1.15 98.46 0.68 99.14 0.43 99.57 0.36 99.93 0.07 100.00

324.63 105.26 237.91 261.55 480.03 409.48 484.91 591.97 427.47 286.44 270.85 217.16 241.33 295.71 132.95 456.43 425.04 122.25 210.89 203.93 6,186.19

324.63 429.89 667.80 929.35 1,409.38 1,818.86 2,303.76 2,895.73 3,323.20 3,609.64 3,880.49 4,097.65 4,338.98 4,634.69 4,767.64 5,224.07 5,649.11 5,771.37 5,982.26 6,186.19

5.25 5.25 1.70 6.95 3.85 10.80 4.23 15.02 7.76 22.78 6.62 29.40 7.84 37.24 9.57 46.81 6.91 53.72 4.63 58.35 4.38 62.73 3.51 66.24 3.90 70.14 4.78 74.92 2.15 77.07 7.38 84.45 6.87 91.32 1.98 93.29 3.41 96.70 3.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 0 0 0 0 2 0 0 2 0 0 0 0 0 0 2 1 2 0 0 12

3 3 3 3 3 5 5 5 7 7 7 7 7 7 7 9 10 12 12 12

25.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 16.67 41.67 0.00 41.67 0.00 41.67 16.67 58.33 0.00 58.33 0.00 58.33 0.00 58.33 0.00 58.33 0.00 58.33 0.00 58.33 16.67 75.00 8.33 83.33 16.67 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 228.33 0.00 0.00 0.00 0.00 108.41 0.00 0.00 4.64 0.00 0.00 0.00 0.00 0.00 0.00 53.79 0.00 53.94 0.00 0.00 449.11

228.33 228.33 228.33 228.33 228.33 336.74 336.74 336.74 341.38 341.38 341.38 341.38 341.38 341.38 341.38 395.17 395.17 449.11 449.11 449.11

50.84 50.84 0.00 50.84 0.00 50.84 0.00 50.84 0.00 50.84 24.14 74.98 0.00 74.98 0.00 74.98 1.03 76.01 0.00 76.01 0.00 76.01 0.00 76.01 0.00 76.01 0.00 76.01 0.00 76.01 11.98 87.99 0.00 87.99 12.01 100.00 0.00 100.00 0.00 100.00

70.34 0.00 0.00 0.00 0.00 26.47 0.00 0.00 1.08 0.00 0.00 0.00 0.00 0.00 0.00 11.79 0.00 44.12 0.00 0.00

70.34 53.11 34.19 24.57 16.20 18.51 14.62 11.63 10.27 9.46 8.80 8.33 7.87 7.37 7.16 7.56 7.00 7.78 7.51 7.26

7.26

Page 146 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 26 - IRIAN JAYA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 782 745 1,328 1,016 1,278 701 533 399 281 143 119 117 88 104 54 59 48 16 28 2 7,841

782 1,527 2,855 3,871 5,149 5,850 6,383 6,782 7,063 7,206 7,325 7,442 7,530 7,634 7,688 7,747 7,795 7,811 7,839 7,841

9.97 9.97 9.50 19.47 16.94 36.41 12.96 49.37 16.30 65.67 8.94 74.61 6.80 81.41 5.09 86.49 3.58 90.08 1.82 91.90 1.52 93.42 1.49 94.91 1.12 96.03 1.33 97.36 0.69 98.05 0.75 98.80 0.61 99.41 0.20 99.62 0.36 99.97 0.03 100.00

450.03 198.58 541.73 680.98 1,676.70 1,515.40 1,626.56 1,669.85 1,761.26 1,043.49 857.21 1,110.61 1,065.63 1,239.35 800.05 1,010.53 764.10 396.81 484.40 193.89 19,087.17

450.03 648.60 1,190.33 1,871.31 3,548.01 5,063.41 6,689.97 8,359.83 10,121.09 11,164.58 12,021.79 13,132.40 14,198.03 15,437.38 16,237.43 17,247.97 18,012.07 18,408.88 18,893.28 19,087.17

2.36 2.36 1.04 3.40 2.84 6.24 3.57 9.80 8.78 18.59 7.94 26.53 8.52 35.05 8.75 43.80 9.23 53.03 5.47 58.49 4.49 62.98 5.82 68.80 5.58 74.39 6.49 80.88 4.19 85.07 5.29 90.36 4.00 94.37 2.08 96.45 2.54 98.98 1.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 3 2 6 2 0 7 0 5 3 0 0 0 0 0 3 0 0 0 31

0 0 3 5 11 13 13 20 20 25 28 28 28 28 28 28 31 31 31 31

0.00 0.00 9.68 6.45 19.35 6.45 0.00 22.58 0.00 16.13 9.68 0.00 0.00 0.00 0.00 0.00 9.68 0.00 0.00 0.00

0.00 0.00 9.68 16.13 35.48 41.94 41.94 64.52 64.52 80.65 90.32 90.32 90.32 90.32 90.32 90.32 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 74.25 337.48 368.72 6.20 0.00 505.23 0.00 267.25 145.84 0.00 0.00 0.00 0.00 0.00 44.79 0.00 0.00 0.00 1,749.76

0.00 0.00 74.25 411.73 780.45 786.65 786.65 1,291.88 1,291.88 1,559.13 1,704.97 1,704.97 1,704.97 1,704.97 1,704.97 1,704.97 1,749.76 1,749.76 1,749.76 1,749.76

0.00 0.00 4.24 19.29 21.07 0.35 0.00 28.87 0.00 15.27 8.33 0.00 0.00 0.00 0.00 0.00 2.56 0.00 0.00 0.00

0.00 0.00 4.24 23.53 44.60 44.96 44.96 73.83 73.83 89.11 97.44 97.44 97.44 97.44 97.44 97.44 100.00 100.00 100.00 100.00

0.00 0.00 13.71 49.56 21.99 0.41 0.00 30.26 0.00 25.61 17.01 0.00 0.00 0.00 0.00 0.00 5.86 0.00 0.00 0.00

0.00 0.00 6.24 22.00 22.00 15.54 11.76 15.45 12.76 13.96 14.18 12.98 12.01 11.04 10.50 9.89 9.71 9.50 9.26 9.17

9.17

Page 147 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 27 - MALUKU UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 104 144 237 153 195 108 98 93 62 34 17 23 19 19 4 3 9 4 2 1 1,329

104 248 485 638 833 941 1,039 1,132 1,194 1,228 1,245 1,268 1,287 1,306 1,310 1,313 1,322 1,326 1,328 1,329

7.83 7.83 10.84 18.66 17.83 36.49 11.51 48.01 14.67 62.68 8.13 70.81 7.37 78.18 7.00 85.18 4.67 89.84 2.56 92.40 1.28 93.68 1.73 95.41 1.43 96.84 1.43 98.27 0.30 98.57 0.23 98.80 0.68 99.47 0.30 99.77 0.15 99.92 0.08 100.00

56.48 41.33 115.02 123.40 279.64 247.92 341.62 543.50 464.17 294.00 192.69 186.94 156.14 188.81 50.78 142.83 233.42 80.87 38.02 7.27 3,784.84

56.48 97.81 212.82 336.22 615.86 863.78 1,205.40 1,748.91 2,213.08 2,507.07 2,699.76 2,886.70 3,042.84 3,231.64 3,282.43 3,425.26 3,658.68 3,739.55 3,777.57 3,784.84

1.49 1.49 1.09 2.58 3.04 5.62 3.26 8.88 7.39 16.27 6.55 22.82 9.03 31.85 14.36 46.21 12.26 58.47 7.77 66.24 5.09 71.33 4.94 76.27 4.13 80.40 4.99 85.38 1.34 86.73 3.77 90.50 6.17 96.67 2.14 98.80 1.00 99.81 0.19 100.00

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

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 376.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 376.97 100.00 100.00 134.80 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00

376.97

9.96

0.00 0.00 0.00 0.00 61.21 43.64 31.27 21.55 17.03 15.04 13.96 13.06 12.39 11.66 11.48 11.01 10.30 10.08 9.98 9.96

Page 148 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 28 - IRIAN JAYA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 127 260 518 312 356 181 137 108 81 59 32 47 23 18 17 23 10 4 2 0 2,315

127 387 905 1,217 1,573 1,754 1,891 1,999 2,080 2,139 2,171 2,218 2,241 2,259 2,276 2,299 2,309 2,313 2,315 2,315

5.49 5.49 11.23 16.72 22.38 39.09 13.48 52.57 15.38 67.95 7.82 75.77 5.92 81.68 4.67 86.35 3.50 89.85 2.55 92.40 1.38 93.78 2.03 95.81 0.99 96.80 0.78 97.58 0.73 98.32 0.99 99.31 0.43 99.74 0.17 99.91 0.09 100.00 0.00 100.00

-8.9 44.51 170.18 168.02 360.86 366.58 405.65 391.57 413.45 334.06 225.04 667.87 212.37 189.25 208.67 452.74 84.52 69.10 71.42 0.00 4,826.95

-8.9 35.61 205.79 373.81 734.67 1,101.24 1,506.89 1,898.46 2,311.91 2,645.97 2,871.00 3,538.88 3,751.25 3,940.49 4,149.16 4,601.90 4,686.43 4,755.53 4,826.95 4,826.95

-0.18 -0.18 0.92 0.74 3.53 4.26 3.48 7.74 7.48 15.22 7.59 22.81 8.40 31.22 8.11 39.33 8.57 47.90 6.92 54.82 4.66 59.48 13.84 73.31 4.40 77.71 3.92 81.64 4.32 85.96 9.38 95.34 1.75 97.09 1.43 98.52 1.48 100.00 0.00 100.00

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

0 2 2 2 2 6 6 6 6 6 6 6 6 8 8 8 8 8 8 8

0.00 25.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00

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

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 27.54 0.00 0.00 0.00 437.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 97.73 0.00 0.00 0.00 0.00 0.00 0.00 563.17

0.00 27.54 27.54 27.54 27.54 465.44 465.44 465.44 465.44 465.44 465.44 465.44 465.44 563.17 563.17 563.17 563.17 563.17 563.17 563.17

0.00 4.89 0.00 0.00 0.00 77.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.35 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 4.89 61.87 4.89 0.00 4.89 0.00 4.89 0.00 82.65 119.46 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 100.00 51.64 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 77.32 13.38 7.37 3.75 42.27 30.89 24.52 20.13 17.59 16.21 13.15 12.41 14.29 13.57 12.24 12.02 11.84 11.67 11.67

11.67

Page 149 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 29 - BANTEN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,218 5,183 8,985 6,403 7,482 4,000 3,212 2,566 1,394 786 719 841 572 921 632 975 976 489 610 231 53,195

6,218 11,401 20,386 26,789 34,271 38,271 41,483 44,049 45,443 46,229 46,948 47,789 48,361 49,282 49,914 50,889 51,865 52,354 52,964 53,195

11.69 11.69 9.74 21.43 16.89 38.32 12.04 50.36 14.07 64.43 7.52 71.94 6.04 77.98 4.82 82.81 2.62 85.43 1.48 86.90 1.35 88.26 1.58 89.84 1.08 90.91 1.73 92.64 1.19 93.83 1.83 95.67 1.83 97.50 0.92 98.42 1.15 99.57 0.43 100.00

9,343.77 1,005.26 2,404.51 2,523.16 5,096.49 4,263.35 4,494.06 4,806.06 4,056.39 2,813.41 3,066.00 4,376.83 3,665.22 6,707.60 6,516.06 12,044.92 13,704.83 6,145.15 10,260.28 5,836.11 113,129.46

9,343.77 10,349.03 12,753.53 15,276.70 20,373.19 24,636.53 29,130.59 33,936.65 37,993.05 40,806.45 43,872.46 48,249.29 51,914.51 58,622.11 65,138.17 77,183.09 90,887.92 97,033.07 107,293.35 113,129.46

8.26 8.26 0.89 9.15 2.13 11.27 2.23 13.50 4.51 18.01 3.77 21.78 3.97 25.75 4.25 30.00 3.59 33.58 2.49 36.07 2.71 38.78 3.87 42.65 3.24 45.89 5.93 51.82 5.76 57.58 10.65 68.23 12.11 80.34 5.43 85.77 9.07 94.84 5.16 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 96 19 16 31 36 28 24 21 19 13 13 21 12 42 29 93 87 56 96 26 778

96 115 131 162 198 226 250 271 290 303 316 337 349 391 420 513 600 656 752 778

12.34 12.34 2.44 14.78 2.06 16.84 3.98 20.82 4.63 25.45 3.60 29.05 3.08 32.13 2.70 34.83 2.44 37.28 1.67 38.95 1.67 40.62 2.70 43.32 1.54 44.86 5.40 50.26 3.73 53.98 11.95 65.94 11.18 77.12 7.20 84.32 12.34 96.66 3.34 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 21,086.12 123.48 835.87 369.03 2,178.20 1,091.63 1,115.56 182.06 1,211.95 2,127.94 2,074.92 2,467.19 4,302.46 3,043.26 1,206.93 12,773.14 10,491.52 3,574.92 12,353.70 5,578.31 88,188.18

21,086.12 21,209.60 22,045.47 22,414.50 24,592.70 25,684.33 26,799.88 26,981.94 28,193.90 30,321.83 32,396.75 34,863.94 39,166.41 42,209.67 43,416.60 56,189.74 66,681.26 70,256.18 82,609.88 88,188.18

23.91 23.91 0.14 24.05 0.95 25.00 0.42 25.42 2.47 27.89 1.24 29.12 1.26 30.39 0.21 30.60 1.37 31.97 2.41 34.38 2.35 36.74 2.80 39.53 4.88 44.41 3.45 47.86 1.37 49.23 14.48 63.72 11.90 75.61 4.05 79.67 14.01 93.67 6.33 100.00

225.67 12.28 34.76 14.63 42.74 25.60 24.82 3.79 29.88 75.64 67.68 56.37 117.39 45.37 18.52 106.05 76.55 58.17 120.40 95.58

225.67 204.94 172.86 146.72 120.71 104.25 92.00 79.51 74.21 74.31 73.84 72.26 75.44 72.00 66.65 72.80 73.37 72.40 76.99 77.95

77.95

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 30 - BANGKA BELITUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 339 387 506 332 414 255 162 121 89 34 27 29 29 34 19 23 16 13 18 11 2,858

339 726 1,232 1,564 1,978 2,233 2,395 2,516 2,605 2,639 2,666 2,695 2,724 2,758 2,777 2,800 2,816 2,829 2,847 2,858

410.84 88.29 201.16 225.51 401.49 389.26 386.97 385.81 322.21 129.17 131.32 197.52 200.51 250.48 93.38 181.25 289.86 70.60 320.02 47.53 4,723.17

410.84 499.13 700.29 925.80 1,327.29 1,716.55 2,103.53 2,489.33 2,811.55 2,940.71 3,072.04 3,269.56 3,470.07 3,720.54 3,813.92 3,995.17 4,285.03 4,355.62 4,675.64 4,723.17

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 3 0 0 0 3 0 0 0 0 0 3 0 1 0 10

0 0 0 0 0 0 3 3 3 3 6 6 6 6 6 6 9 9 10 10

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 30.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 30.00 90.00 0.00 90.00 10.00 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 394.80 0.00 0.00 0.00 10.36 0.00 0.00 0.00 0.00 0.00 856.52 0.00 0.00 0.00 1,261.68

0.00 0.00 0.00 0.00 0.00 0.00 394.80 394.80 394.80 394.80 405.16 405.16 405.16 405.16 405.16 405.16 1,261.68 1,261.68 1,261.68 1,261.68

0.00 0.00 0.00 0.00 0.00 0.00 31.29 0.00 0.00 0.00 0.82 0.00 0.00 0.00 0.00 0.00 67.89 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31.29 102.02 31.29 0.00 31.29 0.00 31.29 0.00 32.11 7.89 32.11 0.00 32.11 0.00 32.11 0.00 32.11 0.00 32.11 0.00 100.00 295.50 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 18.77 15.86 14.04 13.43 13.19 12.39 11.68 10.89 10.62 10.14 29.44 28.97 26.98 26.71

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 31 - GORONTALO

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 264 306 524 378 387 198 124 107 66 34 32 28 23 22 12 15 23 9 1 1 2,554

264 570 1,094 1,472 1,859 2,057 2,181 2,288 2,354 2,388 2,420 2,448 2,471 2,493 2,505 2,520 2,543 2,552 2,553 2,554

10.34 10.34 11.98 22.32 20.52 42.83 14.80 57.64 15.15 72.79 7.75 80.54 4.86 85.40 4.19 89.58 2.58 92.17 1.33 93.50 1.25 94.75 1.10 95.85 0.90 96.75 0.86 97.61 0.47 98.08 0.59 98.67 0.90 99.57 0.35 99.92 0.04 99.96 0.04 100.00

195.45 117.45 209.73 198.56 294.88 313.11 301.21 336.88 314.59 178.02 230.23 245.47 245.66 156.73 163.37 254.10 152.33 61.54 32.33 0.17 4,001.83

195.45 312.90 522.63 721.19 1,016.08 1,329.19 1,630.40 1,967.28 2,281.87 2,459.89 2,690.12 2,935.59 3,181.25 3,337.98 3,501.36 3,755.45 3,907.79 3,969.32 4,001.66 4,001.83

4.88 4.88 2.93 7.82 5.24 13.06 4.96 18.02 7.37 25.39 7.82 33.21 7.53 40.74 8.42 49.16 7.86 57.02 4.45 61.47 5.75 67.22 6.13 73.36 6.14 79.49 3.92 83.41 4.08 87.49 6.35 93.84 3.81 97.65 1.54 99.19 0.81 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 2 0 0 3 0 0 0 0 0 0 0 0 0 0 5 0 0 0 12

2 2 4 4 4 7 7 7 7 7 7 7 7 7 7 7 12 12 12 12

16.67 0.00 16.67 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.67 0.00 0.00 0.00

16.67 16.67 33.33 33.33 33.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6.53 0.00 2.84 0.00 0.00 8.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 308.27 0.00 0.00 0.00 326.05

6.53 6.53 9.37 9.37 9.37 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 326.05 326.05 326.05 326.05

2.00 0.00 0.87 0.00 0.00 2.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 94.55 0.00 0.00 0.00

2.00 3.34 2.00 0.00 2.87 1.35 2.87 0.00 2.87 0.00 5.45 2.69 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 100.00 202.37 100.00 0.00 100.00 0.00 100.00 0.00

3.34 2.09 1.79 1.30 0.92 1.34 1.09 0.90 0.78 0.72 0.66 0.61 0.56 0.53 0.51 0.47 8.34 8.21 8.15 8.15

8.15

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2010 32 - KEPULAUAN RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,726 1,955 3,630 2,421 2,810 1,312 794 621 340 208 156 166 117 167 74 170 188 76 110 41 17,082

1,726 3,681 7,311 9,732 12,542 13,854 14,648 15,269 15,609 15,817 15,973 16,139 16,256 16,423 16,497 16,667 16,855 16,931 17,041 17,082

10.10 10.10 11.44 21.55 21.25 42.80 14.17 56.97 16.45 73.42 7.68 81.10 4.65 85.75 3.64 89.39 1.99 91.38 1.22 92.59 0.91 93.51 0.97 94.48 0.68 95.16 0.98 96.14 0.43 96.58 1.00 97.57 1.10 98.67 0.44 99.12 0.64 99.76 0.24 100.00

2,560.09 336.39 979.09 1,436.50 2,877.13 2,037.14 1,698.00 1,720.68 1,166.42 903.59 754.04 921.78 822.34 1,160.02 773.92 2,114.51 2,638.36 1,017.53 1,271.39 649.39 27,838.30

2,560.09 2,896.48 3,875.56 5,312.06 8,189.19 10,226.34 11,924.34 13,645.01 14,811.44 15,715.03 16,469.07 17,390.85 18,213.19 19,373.21 20,147.12 22,261.63 24,899.99 25,917.52 27,188.91 27,838.30

9.20 9.20 1.21 10.40 3.52 13.92 5.16 19.08 10.34 29.42 7.32 36.73 6.10 42.83 6.18 49.02 4.19 53.21 3.25 56.45 2.71 59.16 3.31 62.47 2.95 65.42 4.17 69.59 2.78 72.37 7.60 79.97 9.48 89.45 3.66 93.10 4.57 97.67 2.33 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 17 0 20 9 11 13 8 12 0 0 0 4 0 5 4 4 10 11 33 7 168

17 17 37 46 57 70 78 90 90 90 90 94 94 99 103 107 117 128 161 168

10.12 10.12 0.00 10.12 11.90 22.02 5.36 27.38 6.55 33.93 7.74 41.67 4.76 46.43 7.14 53.57 0.00 53.57 0.00 53.57 0.00 53.57 2.38 55.95 0.00 55.95 2.98 58.93 2.38 61.31 2.38 63.69 5.95 69.64 6.55 76.19 19.64 95.83 4.17 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 707.25 0.00 517.62 503.54 571.21 480.99 837.82 221.57 0.00 0.00 0.00 28.45 0.00 96.34 76.67 39.93 5,583.92 508.74 1,205.19 116.12 11,495.36

707.25 707.25 1,224.87 1,728.41 2,299.63 2,780.61 3,618.43 3,840.00 3,840.00 3,840.00 3,840.00 3,868.45 3,868.45 3,964.79 4,041.46 4,081.39 9,665.31 10,174.06 11,379.24 11,495.36

6.15 6.15 27.63 0.00 6.15 0.00 4.50 10.66 52.87 4.38 15.04 35.05 4.97 20.00 19.85 4.18 24.19 23.61 7.29 31.48 49.34 1.93 33.40 12.88 0.00 33.40 0.00 0.00 33.40 0.00 0.00 33.40 0.00 0.25 33.65 3.09 0.00 33.65 0.00 0.84 34.49 8.31 0.67 35.16 9.91 0.35 35.50 1.89 48.58 84.08 211.64 4.43 88.51 50.00 10.48 98.99 94.79 1.01 100.00 17.88

27.63 24.42 31.61 32.54 28.08 27.19 30.34 28.14 25.93 24.44 23.32 22.24 21.24 20.47 20.06 18.33 38.82 39.26 41.85 41.29

41.29

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RISK AND LOSS PROFILE 2011

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 197,407 169,504 234,767 146,508 172,192 95,804 73,190 65,218 41,628 25,477 22,331 27,564 21,314 27,146 18,503 27,280 21,228 9,714 11,060 4,100 1,411,935

197,407 366,911 601,678 748,186 920,378 1,016,182 1,089,372 1,154,590 1,196,218 1,221,695 1,244,026 1,271,590 1,292,904 1,320,050 1,338,553 1,365,833 1,387,061 1,396,775 1,407,835 1,411,935

13.98 13.98 12.01 25.99 16.63 42.61 10.38 52.99 12.20 65.19 6.79 71.97 5.18 77.15 4.62 81.77 2.95 84.72 1.80 86.53 1.58 88.11 1.95 90.06 1.51 91.57 1.92 93.49 1.31 94.80 1.93 96.73 1.50 98.24 0.69 98.93 0.78 99.71 0.29 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 142,170.59 27,683.58 63,742.61 65,484.26 133,243.81 100,251.54 103,319.48 116,803.73 92,720.99 66,757.22 62,573.87 88,572.41 77,673.95 127,787.13 105,002.65 252,388.95 241,548.16 135,579.52 207,855.77 136,754.26 2,347,914.48

142,170.59 169,854.17 233,596.78 299,081.04 432,324.85 532,576.40 635,895.88 752,699.61 845,420.59 912,177.81 974,751.68 1,063,324.10 1,140,998.05 1,268,785.18 1,373,787.82 1,626,176.78 1,867,724.94 2,003,304.46 2,211,160.23 2,347,914.49

6.06 6.06 1.18 7.23 2.71 9.95 2.79 12.74 5.67 18.41 4.27 22.68 4.40 27.08 4.97 32.06 3.95 36.01 2.84 38.85 2.67 41.52 3.77 45.29 3.31 48.60 5.44 54.04 4.47 58.51 10.75 69.26 10.29 79.55 5.77 85.32 8.85 94.18 5.82 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

747 166 292 255 327 225 230 280 232 119 159 170 188 608 202 382 531 336 587 356

68,676.20 3,323.54 41,183.21 8,057.95 17,069.28 11,716.87 18,466.40 16,920.68 12,578.78 2,878.62 12,185.26 9,530.13 21,551.88 31,692.54 33,693.61 95,217.85 69,891.22 37,130.75 94,734.74 85,377.21

6,392

747 913 1,205 1,460 1,787 2,012 2,242 2,522 2,754 2,873 3,032 3,202 3,390 3,998 4,200 4,582 5,113 5,449 6,036 6,392

11.69 11.69 2.60 14.28 4.57 18.85 3.99 22.84 5.12 27.96 3.52 31.48 3.60 35.08 4.38 39.46 3.63 43.09 1.86 44.95 2.49 47.43 2.66 50.09 2.94 53.04 9.51 62.55 3.16 65.71 5.98 71.68 8.31 79.99 5.26 85.25 9.18 94.43 5.57 100.00

691,876.72

68,676.20 71,999.74 113,182.95 121,240.90 138,310.18 150,027.05 168,493.45 185,414.13 197,992.91 200,871.53 213,056.79 222,586.92 244,138.80 275,831.34 309,524.95 404,742.80 474,634.01 511,764.76 606,499.50 691,876.72

9.93 9.93 0.48 10.41 5.95 16.36 1.16 17.52 2.47 19.99 1.69 21.68 2.67 24.35 2.45 26.80 1.82 28.62 0.42 29.03 1.76 30.79 1.38 32.17 3.11 35.29 4.58 39.87 4.87 44.74 13.76 58.50 10.10 68.60 5.37 73.97 13.69 87.66 12.34 100.00

48.31 12.01 64.61 12.31 12.81 11.69 17.87 14.49 13.57 4.31 19.47 10.76 27.75 24.80 32.09 37.73 28.93 27.39 45.58 62.43

48.31 42.39 48.45 40.54 31.99 28.17 26.50 24.63 23.42 22.02 21.86 20.93 21.40 21.74 22.53 24.89 25.41 25.55 27.43 29.47

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RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

FIRE (FR) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 155,397 147,628 207,430 126,060 139,241 72,240 50,950 42,399 26,051 15,304 13,750 16,230 12,349 14,790 9,774 12,345 7,971 2,880 2,845 1,000 1,076,634

155,397 303,025 510,455 636,515 775,756 847,996 898,946 941,345 967,396 982,700 996,450 1,012,680 1,025,029 1,039,819 1,049,593 1,061,938 1,069,909 1,072,789 1,075,634 1,076,634

14.43 14.43 13.71 28.15 19.27 47.41 11.71 59.12 12.93 72.05 6.71 78.76 4.73 83.50 3.94 87.43 2.42 89.85 1.42 91.28 1.28 92.55 1.51 94.06 1.15 95.21 1.37 96.58 0.91 97.49 1.15 98.64 0.74 99.38 0.27 99.64 0.26 99.91 0.09 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 77,107.40 22,527.90 54,292.09 56,233.53 111,148.23 79,724.96 74,731.25 79,391.95 58,978.39 40,317.30 36,118.30 47,036.29 39,458.78 62,901.52 46,974.01 84,601.97 71,235.93 32,408.73 45,058.50 9,693.19 1,129,940.20

77,107.40 99,635.29 153,927.38 210,160.91 321,309.15 401,034.11 475,765.36 555,157.30 614,135.70 654,452.99 690,571.29 737,607.58 777,066.36 839,967.87 886,941.88 971,543.85 1,042,779.79 1,075,188.51 1,120,247.01 1,129,940.20

6.82 6.82 1.99 8.82 4.80 13.62 4.98 18.60 9.84 28.44 7.06 35.49 6.61 42.11 7.03 49.13 5.22 54.35 3.57 57.92 3.20 61.12 4.16 65.28 3.49 68.77 5.57 74.34 4.16 78.49 7.49 85.98 6.30 92.29 2.87 95.15 3.99 99.14 0.86 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

309 98 184 132 167 103 104 117 100 47 65 75 75 426 69 125 226 124 169 92

25,526.64 2,562.51 39,413.31 5,181.39 10,880.86 8,806.21 13,637.63 11,726.43 9,762.14 939.60 6,792.18 7,512.52 17,911.74 13,343.71 19,529.48 37,067.97 22,906.73 21,695.60 8,543.20 15,808.31

2,807

309 407 591 723 890 993 1,097 1,214 1,314 1,361 1,426 1,501 1,576 2,002 2,071 2,196 2,422 2,546 2,715 2,807

11.01 11.01 3.49 14.50 6.56 21.05 4.70 25.76 5.95 31.71 3.67 35.38 3.71 39.08 4.17 43.25 3.56 46.81 1.67 48.49 2.32 50.80 2.67 53.47 2.67 56.15 15.18 71.32 2.46 73.78 4.45 78.23 8.05 86.28 4.42 90.70 6.02 96.72 3.28 100.00

299,548.16

25,526.64 28,089.15 67,502.46 72,683.84 83,564.71 92,370.92 106,008.54 117,734.98 127,497.11 128,436.72 135,228.90 142,741.42 160,653.16 173,996.86 193,526.34 230,594.32 253,501.05 275,196.65 283,739.85 299,548.16

8.52 8.52 33.11 0.86 9.38 11.37 13.16 22.53 72.59 1.73 24.26 9.21 3.63 27.90 9.79 2.94 30.84 11.05 4.55 35.39 18.25 3.91 39.30 14.77 3.26 42.56 16.55 0.31 42.88 2.33 2.27 45.14 18.81 2.51 47.65 15.97 5.98 53.63 45.39 4.45 58.09 21.21 6.52 64.61 41.58 12.37 76.98 43.81 7.65 84.63 32.16 7.24 91.87 66.94 2.85 94.72 18.96 5.28 100.00 163.09

33.11 28.19 43.85 34.58 26.01 23.03 22.28 21.21 20.76 19.63 19.58 19.35 20.67 20.71 21.82 23.73 24.31 25.60 25.33 26.51

26.51

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

: : :

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

INDUSTRIAL ALL RISK (IAR) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 23,789 10,381 12,836 10,506 18,978 14,164 13,995 14,601 9,873 6,379 5,379 7,015 5,314 7,428 5,016 8,693 7,625 3,955 4,581 1,863 192,371

23,789 34,170 47,006 57,512 76,490 90,654 104,649 119,250 129,123 135,502 140,881 147,896 153,210 160,638 165,654 174,347 181,972 185,927 190,508 192,371

12.37 12.37 5.40 17.76 6.67 24.44 5.46 29.90 9.87 39.76 7.36 47.12 7.28 54.40 7.59 61.99 5.13 67.12 3.32 70.44 2.80 73.23 3.65 76.88 2.76 79.64 3.86 83.50 2.61 86.11 4.52 90.63 3.96 94.59 2.06 96.65 2.38 99.03 0.97 100.00

30,210.84 3,361.56 5,161.66 5,111.43 12,951.65 12,110.40 18,674.70 23,876.64 21,445.64 16,400.42 16,530.27 24,715.50 22,229.55 36,495.16 31,779.42 77,399.42 84,487.40 49,704.38 60,058.67 62,174.51 614,879.22

30,210.84 33,572.40 38,734.06 43,845.48 56,797.13 68,907.53 87,582.24 111,458.88 132,904.52 149,304.94 165,835.21 190,550.72 212,780.26 249,275.43 281,054.85 358,454.27 442,941.66 492,646.04 552,704.71 614,879.22

4.91 4.91 0.55 5.46 0.84 6.30 0.83 7.13 2.11 9.24 1.97 11.21 3.04 14.24 3.88 18.13 3.49 21.61 2.67 24.28 2.69 26.97 4.02 30.99 3.62 34.61 5.94 40.54 5.17 45.71 12.59 58.30 13.74 72.04 8.08 80.12 9.77 89.89 10.11 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

437 66 107 116 147 114 124 159 128 72 85 91 113 171 131 253 281 212 418 261

43,149.56 757.23 1,769.90 2,833.23 6,133.30 2,806.17 4,771.77 5,116.28 2,685.68 1,939.02 5,199.78 1,954.40 3,640.14 18,093.94 14,164.13 58,147.83 46,518.04 15,435.15 86,191.54 65,770.58

3,486

437 503 610 726 873 987 1,111 1,270 1,398 1,470 1,555 1,646 1,759 1,930 2,061 2,314 2,595 2,807 3,225 3,486

12.54 12.54 1.89 14.43 3.07 17.50 3.33 20.83 4.22 25.04 3.27 28.31 3.56 31.87 4.56 36.43 3.67 40.10 2.07 42.17 2.44 44.61 2.61 47.22 3.24 50.46 4.91 55.36 3.76 59.12 7.26 66.38 8.06 74.44 6.08 80.52 11.99 92.51 7.49 100.00

387,077.68

43,149.56 43,906.78 45,676.69 48,509.92 54,643.22 57,449.38 62,221.15 67,337.44 70,023.12 71,962.14 77,161.92 79,116.32 82,756.47 100,850.41 115,014.54 173,162.37 219,680.41 235,115.55 321,307.10 387,077.68

11.15 11.15 0.20 11.34 0.46 11.80 0.73 12.53 1.58 14.12 0.72 14.84 1.23 16.07 1.32 17.40 0.69 18.09 0.50 18.59 1.34 19.93 0.50 20.44 0.94 21.38 4.67 26.05 3.66 29.71 15.02 44.74 12.02 56.75 3.99 60.74 22.27 83.01 16.99 100.00

142.83 22.53 34.29 55.43 47.36 23.17 25.55 21.43 12.52 11.82 31.46 7.91 16.38 49.58 44.57 75.13 55.06 31.05 143.51 105.78

142.83 130.78 117.92 110.64 96.21 83.37 71.04 60.41 52.69 48.20 46.53 41.52 38.89 40.46 40.92 48.31 49.60 47.73 58.13 62.95

62.95

Page 156 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

LOSS OF PROFIT (LOP) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7 1 3 1 35 6 3 11 4 7 5 5 1 11 21 5 8 6 3 4 147

7 8 11 12 47 53 56 67 71 78 83 88 89 100 121 126 134 140 143 147

4.76 4.76 0.68 5.44 2.04 7.48 0.68 8.16 23.81 31.97 4.08 36.05 2.04 38.10 7.48 45.58 2.72 48.30 4.76 53.06 3.40 56.46 3.40 59.86 0.68 60.54 7.48 68.03 14.29 82.31 3.40 85.71 5.44 91.16 4.08 95.24 2.04 97.28 2.72 100.00

0.57 0.14 0.64 0.01 11.74 2.56 1.83 10.46 3.45 7.03 6.38 9.37 6.07 18.61 112.54 9.30 43.58 17.34 7.47 12.83 281.93

0.57 0.71 1.35 1.36 13.10 15.66 17.49 27.95 31.40 38.43 44.82 54.18 60.25 78.86 191.40 200.70 244.29 261.63 269.10 281.93

0.20 0.20 0.05 0.25 0.23 0.48 0.00 0.48 4.16 4.65 0.91 5.56 0.65 6.20 3.71 9.91 1.22 11.14 2.49 13.63 2.26 15.90 3.32 19.22 2.15 21.37 6.60 27.97 39.92 67.89 3.30 71.19 15.46 86.65 6.15 92.80 2.65 95.45 4.55 100.00

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

: : :

01/01/2011 15/06/2012 15/11/2012

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 157 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

EARTHQUAKE (EQ) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 18,214 11,495 14,497 9,942 13,937 9,394 8,242 8,207 5,700 3,787 3,197 4,314 3,650 4,917 3,692 6,237 5,624 2,873 3,631 1,233 142,783

18,214 29,709 44,206 54,148 68,085 77,479 85,721 93,928 99,628 103,415 106,612 110,926 114,576 119,493 123,185 129,422 135,046 137,919 141,550 142,783

12.76 12.76 8.05 20.81 10.15 30.96 6.96 37.92 9.76 47.68 6.58 54.26 5.77 60.04 5.75 65.78 3.99 69.78 2.65 72.43 2.24 74.67 3.02 77.69 2.56 80.24 3.44 83.69 2.59 86.27 4.37 90.64 3.94 94.58 2.01 96.59 2.54 99.14 0.86 100.00

34,851.78 1,794.13 4,288.08 4,139.31 9,132.19 8,413.62 9,911.70 13,524.68 12,293.50 10,032.47 9,918.92 16,811.26 15,979.56 28,371.84 26,136.67 90,378.26 85,781.25 53,449.08 102,731.14 64,873.72 602,813.14

34,851.78 36,645.91 40,933.99 45,073.29 54,205.48 62,619.10 72,530.80 86,055.47 98,348.98 108,381.44 118,300.36 135,111.62 151,091.18 179,463.02 205,599.69 295,977.95 381,759.20 435,208.28 537,939.41 602,813.14

5.78 5.78 0.30 6.08 0.71 6.79 0.69 7.48 1.51 8.99 1.40 10.39 1.64 12.03 2.24 14.28 2.04 16.32 1.66 17.98 1.65 19.62 2.79 22.41 2.65 25.06 4.71 29.77 4.34 34.11 14.99 49.10 14.23 63.33 8.87 72.20 17.04 89.24 10.76 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 2 1 7 13 8 2 4 4 0 9 4 0 11 2 4 24 0 0 3 99

1 3 4 11 24 32 34 38 42 42 51 55 55 66 68 72 96 96 96 99

1.01 1.01 2.02 3.03 1.01 4.04 7.07 11.11 13.13 24.24 8.08 32.32 2.02 34.34 4.04 38.38 4.04 42.42 0.00 42.42 9.09 51.52 4.04 55.56 0.00 55.56 11.11 66.67 2.02 68.69 4.04 72.73 24.24 96.97 0.00 96.97 0.00 96.97 3.03 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 3.80 0.00 43.34 55.11 104.49 57.00 77.96 130.97 0.00 193.30 63.20 0.00 254.90 0.00 2.04 466.45 0.00 0.00 3,798.32 5,250.88

0.00 3.80 3.80 47.14 102.25 206.75 263.75 341.71 472.67 472.67 665.97 729.17 729.17 984.07 984.07 986.11 1,452.56 1,452.56 1,452.56 5,250.88

0.00 0.00 0.07 0.07 0.00 0.07 0.83 0.90 1.05 1.95 1.99 3.94 1.09 5.02 1.48 6.51 2.49 9.00 0.00 9.00 3.68 12.68 1.20 13.89 0.00 13.89 4.85 18.74 0.00 18.74 0.04 18.78 8.88 27.66 0.00 27.66 0.00 27.66 72.34 100.00

0.00 0.21 0.00 1.05 0.60 1.24 0.58 0.58 1.07 0.00 1.95 0.38 0.00 0.90 0.00 0.00 0.54 0.00 0.00 5.85

0.00 0.01 0.01 0.10 0.19 0.33 0.36 0.40 0.48 0.44 0.56 0.54 0.48 0.55 0.48 0.33 0.38 0.33 0.27 0.87

0.87

Page 158 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2011 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 291 36 70 46 89 68 62 110 77 78 40 87 45 123 73 205 240 138 277 162 2,317

291 327 397 443 532 600 662 772 849 927 967 1,054 1,099 1,222 1,295 1,500 1,740 1,878 2,155 2,317

12.56 12.56 1.55 14.11 3.02 17.13 1.99 19.12 3.84 22.96 2.93 25.90 2.68 28.57 4.75 33.32 3.32 36.64 3.37 40.01 1.73 41.74 3.75 45.49 1.94 47.43 5.31 52.74 3.15 55.89 8.85 64.74 10.36 75.10 5.96 81.05 11.96 93.01 6.99 100.00

1,828.44 44.81 23.80 82.90 67.51 138.36 78.88 201.23 238.15 188.36 150.74 333.44 289.77 715.77 552.32 1,893.26 2,987.53 1,548.70 4,054.55 4,682.70 20,101.19

1,828.44 1,873.24 1,897.04 1,979.95 2,047.46 2,185.81 2,264.69 2,465.92 2,704.06 2,892.42 3,043.16 3,376.60 3,666.37 4,382.13 4,934.46 6,827.72 9,815.24 11,363.94 15,418.49 20,101.19

9.10 9.10 0.22 9.32 0.12 9.44 0.41 9.85 0.34 10.19 0.69 10.87 0.39 11.27 1.00 12.27 1.18 13.45 0.94 14.39 0.75 15.14 1.66 16.80 1.44 18.24 3.56 21.80 2.75 24.55 9.42 33.97 14.86 48.83 7.70 56.53 20.17 76.70 23.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 0 0 2 2 0 0 0 0 0 0 0 0 0 2 6 3 4 7 0 37

11 11 11 13 15 15 15 15 15 15 15 15 15 15 17 23 26 30 37 37

29.73 29.73 0.00 29.73 0.00 29.73 5.41 35.14 5.41 40.54 0.00 40.54 0.00 40.54 0.00 40.54 0.00 40.54 0.00 40.54 0.00 40.54 0.00 40.54 0.00 40.54 0.00 40.54 5.41 45.95 16.22 62.16 8.11 70.27 10.81 81.08 18.92 100.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

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

LOSS RATIO PERCENTAGE BAND CUM.

291.68 0.00 0.00 31.54 11.50 0.00 0.00 0.00 0.00 0.00 0.00 8.73 0.00 0.00 16,147.25 1,388.16 157.59 1,422.20 68.86 0.00

15.95 0.00 0.00 38.05 17.03 0.00 0.00 0.00 0.00 0.00 0.00 2.62 0.00 0.00 2,923.51 73.32 5.27 91.83 1.70 0.00

19,527.52

291.68 291.68 291.68 323.22 334.72 334.72 334.72 334.72 334.72 334.72 334.72 343.45 343.45 343.45 16,490.70 17,878.86 18,036.45 19,458.66 19,527.52 19,527.52

1.49 1.49 0.00 1.49 0.00 1.49 0.16 1.66 0.06 1.71 0.00 1.71 0.00 1.71 0.00 1.71 0.00 1.71 0.00 1.71 0.00 1.71 0.04 1.76 0.00 1.76 0.00 1.76 82.69 84.45 7.11 91.56 0.81 92.36 7.28 99.65 0.35 100.00 0.00 100.00

15.95 15.57 15.38 16.32 16.35 15.31 14.78 13.57 12.38 11.57 11.00 10.17 9.37 7.84 334.19 261.86 183.76 171.23 126.65 97.15

97.15

Page 159 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 21 Stone, Earth, (Animal) Bones or Shells

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2011 15/06/2012 15/11/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 675 105 134 113 163 122 96 211 119 101 81 126 119 158 112 221 264 166 262 115 3,463

675 780 914 1,027 1,190 1,312 1,408 1,619 1,738 1,839 1,920 2,046 2,165 2,323 2,435 2,656 2,920 3,086 3,348 3,463

19.49 19.49 3.03 22.52 3.87 26.39 3.26 29.66 4.71 34.36 3.52 37.89 2.77 40.66 6.09 46.75 3.44 50.19 2.92 53.10 2.34 55.44 3.64 59.08 3.44 62.52 4.56 67.08 3.23 70.31 6.38 76.70 7.62 84.32 4.79 89.11 7.57 96.68 3.32 100.00

1,247.08 101.53 42.55 40.72 124.18 128.10 124.16 342.05 239.04 288.57 277.14 460.25 481.83 919.55 660.00 2,025.82 3,263.88 1,912.32 3,460.14 6,185.93 22,324.85

1,247.08 1,348.62 1,391.17 1,431.89 1,556.06 1,684.16 1,808.32 2,150.37 2,389.41 2,677.98 2,955.12 3,415.38 3,897.20 4,816.75 5,476.75 7,502.57 10,766.46 12,678.77 16,138.92 22,324.85

5.59 5.59 0.45 6.04 0.19 6.23 0.18 6.41 0.56 6.97 0.57 7.54 0.56 8.10 1.53 9.63 1.07 10.70 1.29 12.00 1.24 13.24 2.06 15.30 2.16 17.46 4.12 21.58 2.96 24.53 9.07 33.61 14.62 48.23 8.57 56.79 15.50 72.29 27.71 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 0 0 0 2 0 0 0 0 2 2 0 2 2 2 3 13 0 14 2 57

13 13 13 13 15 15 15 15 15 17 19 19 21 23 25 28 41 41 55 57

22.81 22.81 0.00 22.81 0.00 22.81 0.00 22.81 3.51 26.32 0.00 26.32 0.00 26.32 0.00 26.32 0.00 26.32 3.51 29.82 3.51 33.33 0.00 33.33 3.51 36.84 3.51 40.35 3.51 43.86 5.26 49.12 22.81 71.93 0.00 71.93 24.56 96.49 3.51 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 229.74 0.00 0.00 0.00 4.00 0.00 0.00 0.00 0.00 5.01 2.30 0.00 0.00 8.25 1,146.86 185.93 179.96 0.00 2,429.78 0.59 4,192.41

229.74 229.74 229.74 229.74 233.74 233.74 233.74 233.74 233.74 238.75 241.04 241.04 241.04 249.29 1,396.15 1,582.08 1,762.04 1,762.04 4,191.82 4,192.41

5.48 5.48 18.42 0.00 5.48 0.00 0.00 5.48 0.00 0.00 5.48 0.00 0.10 5.58 3.22 0.00 5.58 0.00 0.00 5.58 0.00 0.00 5.58 0.00 0.00 5.58 0.00 0.12 5.69 1.74 0.05 5.75 0.83 0.00 5.75 0.00 0.00 5.75 0.00 0.20 5.95 0.90 27.36 33.30 173.77 4.43 37.74 9.18 4.29 42.03 5.51 0.00 42.03 0.00 57.96 99.99 70.22 0.01 100.00 0.01

18.42 17.04 16.51 16.04 15.02 13.88 12.93 10.87 9.78 8.92 8.16 7.06 6.19 5.18 25.49 21.09 16.37 13.90 25.97 18.78

18.78

Page 160 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 22 Metals (Logam)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,316 317 564 410 640 597 603 786 603 471 360 546 430 703 533 978 1,142 637 986 342 12,964

1,316 1,633 2,197 2,607 3,247 3,844 4,447 5,233 5,836 6,307 6,667 7,213 7,643 8,346 8,879 9,857 10,999 11,636 12,622 12,964

10.15 10.15 2.45 12.60 4.35 16.95 3.16 20.11 4.94 25.05 4.61 29.65 4.65 34.30 6.06 40.37 4.65 45.02 3.63 48.65 2.78 51.43 4.21 55.64 3.32 58.96 5.42 64.38 4.11 68.49 7.54 76.03 8.81 84.84 4.91 89.76 7.61 97.36 2.64 100.00

3,198.49 161.07 220.57 365.45 703.64 605.18 873.46 1,408.98 1,369.59 1,224.29 1,161.16 2,230.27 1,975.97 4,033.03 3,759.81 8,930.59 12,902.74 8,201.11 12,486.63 2,647.77 68,459.79

3,198.49 3,359.56 3,580.14 3,945.59 4,649.23 5,254.41 6,127.87 7,536.85 8,906.43 10,130.72 11,291.88 13,522.15 15,498.12 19,531.15 23,290.96 32,221.55 45,124.29 53,325.40 65,812.03 68,459.79

4.67 4.67 0.24 4.91 0.32 5.23 0.53 5.76 1.03 6.79 0.88 7.68 1.28 8.95 2.06 11.01 2.00 13.01 1.79 14.80 1.70 16.49 3.26 19.75 2.89 22.64 5.89 28.53 5.49 34.02 13.05 47.07 18.85 65.91 11.98 77.89 18.24 96.13 3.87 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 0 7 6 6 4 3 0 3 2 0 2 3 25 12 24 28 22 84 60 304

13 13 20 26 32 36 39 39 42 44 44 46 49 74 86 110 138 160 244 304

4.28 4.28 0.00 4.28 2.30 6.58 1.97 8.55 1.97 10.53 1.32 11.84 0.99 12.83 0.00 12.83 0.99 13.82 0.66 14.47 0.00 14.47 0.66 15.13 0.99 16.12 8.22 24.34 3.95 28.29 7.89 36.18 9.21 45.39 7.24 52.63 27.63 80.26 19.74 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 7,893.39 0.00 57.82 93.12 95.39 634.73 192.57 0.00 938.83 14.61 0.00 494.61 137.41 221.29 6,489.17 1,823.42 6,852.47 5,193.99 49,665.77 14,685.00 95,483.60

7,893.39 7,893.39 7,951.21 8,044.33 8,139.72 8,774.45 8,967.03 8,967.03 9,905.85 9,920.46 9,920.46 10,415.07 10,552.48 10,773.77 17,262.94 19,086.36 25,938.83 31,132.82 80,798.59 95,483.60

8.27 8.27 0.00 8.27 0.06 8.33 0.10 8.42 0.10 8.52 0.66 9.19 0.20 9.39 0.00 9.39 0.98 10.37 0.02 10.39 0.00 10.39 0.52 10.91 0.14 11.05 0.23 11.28 6.80 18.08 1.91 19.99 7.18 27.17 5.44 32.61 52.01 84.62 15.38 100.00

246.78 0.00 26.22 25.48 13.56 104.88 22.05 0.00 68.55 1.19 0.00 22.18 6.95 5.49 172.59 20.42 53.11 63.33 397.75 554.62

246.78 234.95 222.09 203.88 175.08 166.99 146.33 118.98 111.22 97.92 87.85 77.02 68.09 55.16 74.12 59.23 57.48 58.38 122.77 139.47

139.47

Page 161 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 23 Chemical / Oil / Gas (Kimia / Minyak / Gas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,400 229 423 371 795 716 796 1,037 786 603 512 893 721 1,144 772 1,595 1,779 864 1,095 448 16,979

1,400 1,629 2,052 2,423 3,218 3,934 4,730 5,767 6,553 7,156 7,668 8,561 9,282 10,426 11,198 12,793 14,572 15,436 16,531 16,979

8.25 8.25 1.35 9.59 2.49 12.09 2.19 14.27 4.68 18.95 4.22 23.17 4.69 27.86 6.11 33.97 4.63 38.59 3.55 42.15 3.02 45.16 5.26 50.42 4.25 54.67 6.74 61.41 4.55 65.95 9.39 75.35 10.48 85.82 5.09 90.91 6.45 97.36 2.64 100.00

7,810.97 209.12 572.48 420.59 1,037.24 1,253.48 1,762.18 2,651.92 2,436.12 2,238.79 2,306.74 4,373.18 4,196.94 8,397.86 6,591.50 19,418.85 22,981.45 12,519.20 23,072.55 15,573.18 139,824.32

7,810.97 8,020.09 8,592.57 9,013.15 10,050.39 11,303.87 13,066.05 15,717.97 18,154.08 20,392.88 22,699.62 27,072.80 31,269.74 39,667.60 46,259.10 65,677.95 88,659.40 101,178.60 124,251.15 139,824.32

5.59 5.59 0.15 5.74 0.41 6.15 0.30 6.45 0.74 7.19 0.90 8.08 1.26 9.34 1.90 11.24 1.74 12.98 1.60 14.58 1.65 16.23 3.13 19.36 3.00 22.36 6.01 28.37 4.71 33.08 13.89 46.97 16.44 63.41 8.95 72.36 16.50 88.86 11.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 28 0 4 2 1 6 6 11 5 2 19 9 26 16 10 28 80 20 37 24 334

28 28 32 34 35 41 47 58 63 65 84 93 119 135 145 173 253 273 310 334

8.38 8.38 0.00 8.38 1.20 9.58 0.60 10.18 0.30 10.48 1.80 12.28 1.80 14.07 3.29 17.37 1.50 18.86 0.60 19.46 5.69 25.15 2.69 27.84 7.78 35.63 4.79 40.42 2.99 43.41 8.38 51.80 23.95 75.75 5.99 81.74 11.08 92.81 7.19 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6,788.15 0.00 0.00 6.17 0.00 611.77 39.63 2,337.39 108.29 0.00 919.01 3,300.11 4,868.85 4,452.40 53.66 4,924.83 12,730.89 311.19 8,115.15 2,874.82 52,442.32

6,788.15 6,788.15 6,788.15 6,794.32 6,794.32 7,406.09 7,445.72 9,783.11 9,891.41 9,891.41 10,810.42 14,110.53 18,979.37 23,431.77 23,485.43 28,410.26 41,141.15 41,452.35 49,567.50 52,442.32

12.94 12.94 86.91 0.00 12.94 0.00 0.00 12.94 0.00 0.01 12.96 1.47 0.00 12.96 0.00 1.17 14.12 48.81 0.08 14.20 2.25 4.46 18.65 88.14 0.21 18.86 4.45 0.00 18.86 0.00 1.75 20.61 39.84 6.29 26.91 75.46 9.28 36.19 116.01 8.49 44.68 53.02 0.10 44.78 0.81 9.39 54.17 25.36 24.28 78.45 55.40 0.59 79.04 2.49 15.47 94.52 35.17 5.48 100.00 18.46

86.91 84.64 79.00 75.38 67.60 65.52 56.99 62.24 54.49 48.50 47.62 52.12 60.70 59.07 50.77 43.26 46.40 40.97 39.89 37.51

37.51

Page 162 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 24 Textiles (Tekstil)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,790 651 1,414 1,158 1,847 1,160 1,039 1,093 841 485 445 613 487 785 552 1,060 1,197 665 1,124 432 18,838

1,790 2,441 3,855 5,013 6,860 8,020 9,059 10,152 10,993 11,478 11,923 12,536 13,023 13,808 14,360 15,420 16,617 17,282 18,406 18,838

9.50 9.50 3.46 12.96 7.51 20.46 6.15 26.61 9.80 36.42 6.16 42.57 5.52 48.09 5.80 53.89 4.46 58.36 2.57 60.93 2.36 63.29 3.25 66.55 2.59 69.13 4.17 73.30 2.93 76.23 5.63 81.86 6.35 88.21 3.53 91.74 5.97 97.71 2.29 100.00

5,638.88 289.82 773.65 989.50 2,250.62 2,084.70 2,224.31 3,164.93 2,752.48 1,750.05 1,726.38 3,027.87 2,727.71 4,508.46 3,779.15 10,826.82 14,993.87 10,656.48 22,444.81 11,806.03 108,416.53

5,638.88 5,928.71 6,702.36 7,691.86 9,942.48 12,027.18 14,251.49 17,416.42 20,168.90 21,918.95 23,645.33 26,673.20 29,400.91 33,909.38 37,688.52 48,515.34 63,509.21 74,165.69 96,610.50 108,416.53

5.20 5.20 0.27 5.47 0.71 6.18 0.91 7.09 2.08 9.17 1.92 11.09 2.05 13.15 2.92 16.06 2.54 18.60 1.61 20.22 1.59 21.81 2.79 24.60 2.52 27.12 4.16 31.28 3.49 34.76 9.99 44.75 13.83 58.58 9.83 68.41 20.70 89.11 10.89 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 37 2 0 0 2 6 2 7 2 12 2 7 8 15 9 26 37 30 83 45 332

37 39 39 39 41 47 49 56 58 70 72 79 87 102 111 137 174 204 287 332

11.14 11.14 0.60 11.75 0.00 11.75 0.00 11.75 0.60 12.35 1.81 14.16 0.60 14.76 2.11 16.87 0.60 17.47 3.61 21.08 0.60 21.69 2.11 23.80 2.41 26.20 4.52 30.72 2.71 33.43 7.83 41.27 11.14 52.41 9.04 61.45 25.00 86.45 13.55 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,037.71 67.50 0.00 0.00 3.33 500.59 0.18 111.22 3.27 792.70 2.75 160.97 329.45 2,721.60 58.36 5,008.55 5,112.67 405.51 2,964.42 29,508.82 49,789.60

2,037.71 2,105.21 2,105.21 2,105.21 2,108.54 2,609.13 2,609.31 2,720.53 2,723.80 3,516.50 3,519.25 3,680.22 4,009.67 6,731.27 6,789.63 11,798.18 16,910.85 17,316.36 20,280.78 49,789.60

4.09 4.09 36.14 0.14 4.23 23.29 0.00 4.23 0.00 0.00 4.23 0.00 0.01 4.23 0.15 1.01 5.24 24.01 0.00 5.24 0.01 0.22 5.46 3.51 0.01 5.47 0.12 1.59 7.06 45.30 0.01 7.07 0.16 0.32 7.39 5.32 0.66 8.05 12.08 5.47 13.52 60.37 0.12 13.64 1.54 10.06 23.70 46.26 10.27 33.96 34.10 0.81 34.78 3.81 5.95 40.73 13.21 59.27 100.00 249.95

36.14 35.51 31.41 27.37 21.21 21.69 18.31 15.62 13.50 16.04 14.88 13.80 13.64 19.85 18.02 24.32 26.63 23.35 20.99 45.92

45.92

Page 163 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 25 Paper, Leather and Rubber (Kertas, Kulit dan Karet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,276 437 694 676 1,026 811 754 876 673 403 416 567 464 654 455 939 916 533 777 255 13,602

1,276 1,713 2,407 3,083 4,109 4,920 5,674 6,550 7,223 7,626 8,042 8,609 9,073 9,727 10,182 11,121 12,037 12,570 13,347 13,602

9.38 9.38 3.21 12.59 5.10 17.70 4.97 22.67 7.54 30.21 5.96 36.17 5.54 41.71 6.44 48.15 4.95 53.10 2.96 56.07 3.06 59.12 4.17 63.29 3.41 66.70 4.81 71.51 3.35 74.86 6.90 81.76 6.73 88.49 3.92 92.41 5.71 98.13 1.87 100.00

8,192.34 244.69 573.17 679.88 1,441.30 1,701.01 1,808.51 2,776.97 2,463.90 1,909.04 2,081.00 3,181.68 2,897.16 5,178.39 5,525.73 11,885.94 15,310.27 9,236.54 17,535.66 7,452.33 102,075.50

8,192.34 8,437.03 9,010.19 9,690.07 11,131.38 12,832.39 14,640.90 17,417.87 19,881.76 21,790.81 23,871.80 27,053.49 29,950.64 35,129.03 40,654.77 52,540.70 67,850.98 77,087.51 94,623.17 102,075.50

8.03 8.03 0.24 8.27 0.56 8.83 0.67 9.49 1.41 10.91 1.67 12.57 1.77 14.34 2.72 17.06 2.41 19.48 1.87 21.35 2.04 23.39 3.12 26.50 2.84 29.34 5.07 34.41 5.41 39.83 11.64 51.47 15.00 66.47 9.05 75.52 17.18 92.70 7.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 51 4 0 0 6 3 8 12 7 0 6 3 9 10 4 17 29 27 44 35 275

51 55 55 55 61 64 72 84 91 91 97 100 109 119 123 140 169 196 240 275

18.55 18.55 1.45 20.00 0.00 20.00 0.00 20.00 2.18 22.18 1.09 23.27 2.91 26.18 4.36 30.55 2.55 33.09 0.00 33.09 2.18 35.27 1.09 36.36 3.27 39.64 3.64 43.27 1.45 44.73 6.18 50.91 10.55 61.45 9.82 71.27 16.00 87.27 12.73 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 7,174.19 48.40 0.00 0.00 33.76 231.68 254.91 88.55 141.43 0.00 2,929.46 1,370.48 5,044.91 2,581.49 185.60 32,112.53 1,362.03 12,715.17 6,513.08 7,903.51 80,691.16

7,174.19 7,222.58 7,222.58 7,222.58 7,256.34 7,488.02 7,742.93 7,831.48 7,972.91 7,972.91 10,902.36 12,272.84 17,317.75 19,899.25 20,084.84 52,197.38 53,559.41 66,274.57 72,787.65 80,691.16

8.89 8.89 0.06 8.95 0.00 8.95 0.00 8.95 0.04 8.99 0.29 9.28 0.32 9.60 0.11 9.71 0.18 9.88 0.00 9.88 3.63 13.51 1.70 15.21 6.25 21.46 3.20 24.66 0.23 24.89 39.80 64.69 1.69 66.38 15.76 82.13 8.07 90.21 9.79 100.00

87.57 19.78 0.00 0.00 2.34 13.62 14.09 3.19 5.74 0.00 140.77 43.07 174.13 49.85 3.36 270.17 8.90 137.66 37.14 106.05

87.57 85.61 80.16 74.54 65.19 58.35 52.89 44.96 40.10 36.59 45.67 45.37 57.82 56.65 49.40 99.35 78.94 85.97 76.92 79.05

79.05

Page 164 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2011 15/06/2012 15/11/2012

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

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,160 590 814 520 696 456 436 530 388 303 246 331 303 397 324 678 675 359 416 88 9,710

1,160 1,750 2,564 3,084 3,780 4,236 4,672 5,202 5,590 5,893 6,139 6,470 6,773 7,170 7,494 8,172 8,847 9,206 9,622 9,710

11.95 11.95 6.08 18.02 8.38 26.41 5.36 31.76 7.17 38.93 4.70 43.63 4.49 48.12 5.46 53.57 4.00 57.57 3.12 60.69 2.53 63.22 3.41 66.63 3.12 69.75 4.09 73.84 3.34 77.18 6.98 84.16 6.95 91.11 3.70 94.81 4.28 99.09 0.91 100.00

4,934.40 1,042.54 881.67 892.72 1,645.58 1,340.19 1,725.05 2,826.88 2,200.37 2,321.69 2,141.93 2,819.23 3,494.22 5,278.04 5,752.84 15,024.76 18,752.13 8,896.45 11,831.96 4,339.66 98,142.32

4,934.40 5,976.94 6,858.61 7,751.33 9,396.91 10,737.10 12,462.15 15,289.04 17,489.41 19,811.09 21,953.03 24,772.25 28,266.47 33,544.51 39,297.36 54,322.12 73,074.25 81,970.70 93,802.66 98,142.32

5.03 5.03 1.06 6.09 0.90 6.99 0.91 7.90 1.68 9.57 1.37 10.94 1.76 12.70 2.88 15.58 2.24 17.82 2.37 20.19 2.18 22.37 2.87 25.24 3.56 28.80 5.38 34.18 5.86 40.04 15.31 55.35 19.11 74.46 9.06 83.52 12.06 95.58 4.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 0 4 3 6 9 4 13 6 4 4 7 3 6 4 2 25 15 7 8 143

13 13 17 20 26 35 39 52 58 62 66 73 76 82 86 88 113 128 135 143

9.09 9.09 0.00 9.09 2.80 11.89 2.10 13.99 4.20 18.18 6.29 24.48 2.80 27.27 9.09 36.36 4.20 40.56 2.80 43.36 2.80 46.15 4.90 51.05 2.10 53.15 4.20 57.34 2.80 60.14 1.40 61.54 17.48 79.02 10.49 89.51 4.90 94.41 5.59 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

282.66 0.00 13,553.84 89.49 96.40 252.01 468.80 1,950.28 1,114.24 58.41 161.62 236.11 286.64 596.50 3.25 51.60 4,404.74 2,861.43 796.71 115.79

5.73 0.00 1,537.29 10.02 5.86 18.80 27.18 68.99 50.64 2.52 7.55 8.37 8.20 11.30 0.06 0.34 23.49 32.16 6.73 2.67

27,380.54

282.66 282.66 13,836.51 13,925.99 14,022.40 14,274.40 14,743.21 16,693.49 17,807.72 17,866.13 18,027.76 18,263.86 18,550.51 19,147.01 19,150.26 19,201.86 23,606.60 26,468.04 27,264.74 27,380.54

1.03 1.03 0.00 1.03 49.50 50.53 0.33 50.86 0.35 51.21 0.92 52.13 1.71 53.85 7.12 60.97 4.07 65.04 0.21 65.25 0.59 65.84 0.86 66.70 1.05 67.75 2.18 69.93 0.01 69.94 0.19 70.13 16.09 86.22 10.45 96.67 2.91 99.58 0.42 100.00

5.73 4.73 201.74 179.66 149.22 132.94 118.30 109.19 101.82 90.18 82.12 73.73 65.63 57.08 48.73 35.35 32.30 32.29 29.07 27.90

27.90

Page 165 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 27 Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2011 15/06/2012 15/11/2012

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

6,977 3,503 4,942 2,045 3,004 1,512 1,461 1,663 1,163 979 790 1,268 1,017 1,866 1,303 2,495 2,584 1,476 1,645 698

43 6 15 6 7 9 4 23 10 2 7 5 19 362 20 53 58 49 56 41

688.11 148.52 4,063.28 202.05 193.87 79.44 18.41 430.27 72.89 4.93 258.60 262.13 4,340.66 1,585.53 926.18 25,232.81 25,628.06 2,218.28 9,303.59 13,726.37

42,391

6,977 10,480 15,422 17,467 20,471 21,983 23,444 25,107 26,270 27,249 28,039 29,307 30,324 32,190 33,493 35,988 38,572 40,048 41,693 42,391

16.46 16.46 8.26 24.72 11.66 36.38 4.82 41.20 7.09 48.29 3.57 51.86 3.45 55.30 3.92 59.23 2.74 61.97 2.31 64.28 1.86 66.14 2.99 69.13 2.40 71.53 4.40 75.94 3.07 79.01 5.89 84.90 6.10 90.99 3.48 94.47 3.88 98.35 1.65 100.00

8,969.18 779.19 1,281.81 1,236.29 2,376.95 1,743.47 1,852.42 2,953.44 2,262.00 2,206.33 2,325.61 3,960.65 4,071.07 10,207.62 7,915.31 18,376.58 27,125.77 18,337.34 22,899.16 35,333.98 176,214.18

8,969.18 9,748.38 11,030.19 12,266.48 14,643.43 16,386.89 18,239.32 21,192.76 23,454.76 25,661.09 27,986.70 31,947.35 36,018.43 46,226.05 54,141.35 72,517.93 99,643.70 117,981.04 140,880.20 176,214.18

5.09 5.09 0.44 5.53 0.73 6.26 0.70 6.96 1.35 8.31 0.99 9.30 1.05 10.35 1.68 12.03 1.28 13.31 1.25 14.56 1.32 15.88 2.25 18.13 2.31 20.44 5.79 26.23 4.49 30.72 10.43 41.15 15.39 56.55 10.41 66.95 13.00 79.95 20.05 100.00

795

43 49 64 70 77 86 90 113 123 125 132 137 156 518 538 591 649 698 754 795

5.41 5.41 0.75 6.16 1.89 8.05 0.75 8.81 0.88 9.69 1.13 10.82 0.50 11.32 2.89 14.21 1.26 15.47 0.25 15.72 0.88 16.60 0.63 17.23 2.39 19.62 45.53 65.16 2.52 67.67 6.67 74.34 7.30 81.64 6.16 87.80 7.04 94.84 5.16 100.00

89,383.99

688.11 836.63 4,899.91 5,101.96 5,295.83 5,375.27 5,393.69 5,823.96 5,896.85 5,901.77 6,160.37 6,422.50 10,763.17 12,348.70 13,274.88 38,507.68 64,135.75 66,354.03 75,657.62 89,383.99

0.77 0.77 7.67 0.17 0.94 19.06 4.55 5.48 316.99 0.23 5.71 16.34 0.22 5.92 8.16 0.09 6.01 4.56 0.02 6.03 0.99 0.48 6.52 14.57 0.08 6.60 3.22 0.01 6.60 0.22 0.29 6.89 11.12 0.29 7.19 6.62 4.86 12.04 106.62 1.77 13.82 15.53 1.04 14.85 11.70 28.23 43.08 137.31 28.67 71.75 94.48 2.48 74.23 12.10 10.41 84.64 40.63 15.36 100.00 38.85

7.67 8.58 44.42 41.59 36.17 32.80 29.57 27.48 25.14 23.00 22.01 20.10 29.88 26.71 24.52 53.10 64.37 56.24 53.70 50.72

50.72

Page 166 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 28 Power and Heating (Pembangkit Tenaga dan Pemanas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 138 13 12 15 17 27 291 45 34 22 37 42 29 51 54 137 195 131 201 195 1,686

138 151 163 178 195 222 513 558 592 614 651 693 722 773 827 964 1,159 1,290 1,491 1,686

8.19 8.19 0.77 8.96 0.71 9.67 0.89 10.56 1.01 11.57 1.60 13.17 17.26 30.43 2.67 33.10 2.02 35.11 1.30 36.42 2.19 38.61 2.49 41.10 1.72 42.82 3.02 45.85 3.20 49.05 8.13 57.18 11.57 68.74 7.77 76.51 11.92 88.43 11.57 100.00

1,466.09 1.26 3.50 10.21 40.68 61.87 179.44 108.42 60.83 127.00 82.65 124.04 99.98 276.25 458.75 1,419.85 2,077.95 1,784.92 2,915.33 22,448.22 33,747.25

1,466.09 1,467.35 1,470.85 1,481.06 1,521.74 1,583.61 1,763.06 1,871.47 1,932.30 2,059.31 2,141.95 2,265.99 2,365.97 2,642.23 3,100.98 4,520.83 6,598.78 8,383.70 11,299.03 33,747.25

4.34 4.34 0.00 4.35 0.01 4.36 0.03 4.39 0.12 4.51 0.18 4.69 0.53 5.22 0.32 5.55 0.18 5.73 0.38 6.10 0.24 6.35 0.37 6.71 0.30 7.01 0.82 7.83 1.36 9.19 4.21 13.40 6.16 19.55 5.29 24.84 8.64 33.48 66.52 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 1 0 0 0 0 0 0 0 2 0 0 0 2 2 8 0 6 5 30

4 4 5 5 5 5 5 5 5 5 7 7 7 7 9 11 19 19 25 30

13.33 13.33 0.00 13.33 3.33 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 6.67 23.33 0.00 23.33 0.00 23.33 0.00 23.33 6.67 30.00 6.67 36.67 26.67 63.33 0.00 63.33 20.00 83.33 16.67 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 5.32 0.00 3,562.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.87 0.00 0.00 0.00 13.48 28.82 14.60 0.00 52.91 3,798.32 7,501.88

5.32 5.32 3,567.87 3,567.87 3,567.87 3,567.87 3,567.87 3,567.87 3,567.87 3,567.87 3,593.74 3,593.74 3,593.74 3,593.74 3,607.22 3,636.04 3,650.65 3,650.65 3,703.56 7,501.88

0.07 0.07 0.00 0.07 47.49 47.56 0.00 47.56 0.00 47.56 0.00 47.56 0.00 47.56 0.00 47.56 0.00 47.56 0.00 47.56 0.34 47.90 0.00 47.90 0.00 47.90 0.00 47.90 0.18 48.08 0.38 48.47 0.19 48.66 0.00 48.66 0.71 49.37 50.63 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 0.36 0.00 101,786.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31.31 0.00 0.00 0.00 2.94 2.03 0.70 0.00 1.81 16.92

0.36 0.36 242.57 240.90 234.46 225.30 202.37 190.64 184.64 173.26 167.78 158.59 151.89 136.01 116.33 80.43 55.32 43.54 32.78 22.23

22.23

Page 167 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 180,386 163,004 225,445 141,025 163,734 90,174 67,541 58,714 36,810 21,928 19,319 22,906 17,623 21,080 14,198 18,708 11,909 4,506 4,101 1,305 1,284,416

180,386 343,390 568,835 709,860 873,594 963,768 1,031,309 1,090,023 1,126,833 1,148,761 1,168,080 1,190,986 1,208,609 1,229,689 1,243,887 1,262,595 1,274,504 1,279,010 1,283,111 1,284,416

14.04 14.04 12.69 26.74 17.55 44.29 10.98 55.27 12.75 68.01 7.02 75.04 5.26 80.29 4.57 84.87 2.87 87.73 1.71 89.44 1.50 90.94 1.78 92.73 1.37 94.10 1.64 95.74 1.11 96.84 1.46 98.30 0.93 99.23 0.35 99.58 0.32 99.90 0.10 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 89,231.12 24,435.53 59,178.69 60,667.40 123,261.16 90,813.90 92,294.69 99,803.36 77,835.45 53,077.06 49,822.93 66,437.79 56,644.80 85,044.91 68,348.37 156,089.29 113,407.61 55,204.52 80,491.83 25,699.91 1,527,790.31

89,231.12 113,666.66 172,845.34 233,512.74 356,773.90 447,587.80 539,882.48 639,685.84 717,521.29 770,598.35 820,421.28 886,859.07 943,503.86 1,028,548.77 1,096,897.15 1,252,986.43 1,366,394.04 1,421,598.57 1,502,090.40 1,527,790.31

5.84 5.84 1.60 7.44 3.87 11.31 3.97 15.28 8.07 23.35 5.94 29.30 6.04 35.34 6.53 41.87 5.09 46.96 3.47 50.44 3.26 53.70 4.35 58.05 3.71 61.76 5.57 67.32 4.47 71.80 10.22 82.01 7.42 89.44 3.61 93.05 5.27 98.32 1.68 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

520 154 261 234 295 185 203 214 197 95 117 135 118 172 135 217 246 165 239 99

42,985.35 3,059.12 19,945.72 7,372.81 16,631.03 9,284.21 17,491.89 12,002.97 10,170.06 2,002.96 7,885.65 3,692.67 6,543.95 19,525.48 8,607.37 24,398.81 13,282.01 11,938.70 14,651.25 12,305.26

4,001

520 674 935 1,169 1,464 1,649 1,852 2,066 2,263 2,358 2,475 2,610 2,728 2,900 3,035 3,252 3,498 3,663 3,902 4,001

13.00 13.00 3.85 16.85 6.52 23.37 5.85 29.22 7.37 36.59 4.62 41.21 5.07 46.29 5.35 51.64 4.92 56.56 2.37 58.94 2.92 61.86 3.37 65.23 2.95 68.18 4.30 72.48 3.37 75.86 5.42 81.28 6.15 87.43 4.12 91.55 5.97 97.53 2.47 100.00

263,777.28

42,985.35 46,044.47 65,990.20 73,363.01 89,994.04 99,278.25 116,770.14 128,773.11 138,943.17 140,946.13 148,831.78 152,524.46 159,068.41 178,593.88 187,201.25 211,600.06 224,882.07 236,820.77 251,472.02 263,777.28

16.30 16.30 1.16 17.46 7.56 25.02 2.80 27.81 6.30 34.12 3.52 37.64 6.63 44.27 4.55 48.82 3.86 52.67 0.76 53.43 2.99 56.42 1.40 57.82 2.48 60.30 7.40 67.71 3.26 70.97 9.25 80.22 5.04 85.25 4.53 89.78 5.55 95.33 4.67 100.00

48.17 12.52 33.70 12.15 13.49 10.22 18.95 12.03 13.07 3.77 15.83 5.56 11.55 22.96 12.59 15.63 11.71 21.63 18.20 47.88

48.17 40.51 38.18 31.42 25.22 22.18 21.63 20.13 19.36 18.29 18.14 17.20 16.86 17.36 17.07 16.89 16.46 16.66 16.74 17.27

17.27

Page 168 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 30 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 233 56 31 17 34 42 29 42 30 33 37 89 19 61 78 165 77 3 2 0 1,078

233 289 320 337 371 413 442 484 514 547 584 673 692 753 831 996 1,073 1,076 1,078 1,078

21.61 21.61 5.19 26.81 2.88 29.68 1.58 31.26 3.15 34.42 3.90 38.31 2.69 41.00 3.90 44.90 2.78 47.68 3.06 50.74 3.43 54.17 8.26 62.43 1.76 64.19 5.66 69.85 7.24 77.09 15.31 92.39 7.14 99.54 0.28 99.81 0.19 100.00 0.00 100.00

3,890.85 27.39 23.87 24.75 170.83 247.60 134.54 277.50 252.84 261.69 264.76 1,116.09 271.35 747.25 1,098.16 3,038.15 1,912.71 21.36 3.21 0.00 13,784.90

3,890.85 3,918.24 3,942.11 3,966.86 4,137.69 4,385.29 4,519.83 4,797.33 5,050.17 5,311.87 5,576.63 6,692.72 6,964.06 7,711.31 8,809.47 11,847.62 13,760.33 13,781.70 13,784.90 13,784.90

28.23 28.23 0.20 28.42 0.17 28.60 0.18 28.78 1.24 30.02 1.80 31.81 0.98 32.79 2.01 34.80 1.83 36.64 1.90 38.53 1.92 40.45 8.10 48.55 1.97 50.52 5.42 55.94 7.97 63.91 22.04 85.95 13.88 99.82 0.15 99.98 0.02 100.00 0.00 100.00

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

6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 8 8 8 8 8

75.00 0.00 0.00 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 0.00 0.00 0.00 0.00

75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 54.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.10 0.00 0.00 0.00 0.00 107.25

54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 54.14 107.25 107.25 107.25 107.25 107.25

50.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 49.51 0.00 0.00 0.00 0.00

50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 50.49 100.00 100.00 100.00 100.00 100.00

1.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.75 0.00 0.00 0.00 0.00

1.39 1.38 1.37 1.36 1.31 1.23 1.20 1.13 1.07 1.02 0.97 0.81 0.78 0.70 0.61 0.91 0.78 0.78 0.78 0.78

0.78

Page 169 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 31 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 193 24 36 32 36 56 39 50 74 48 42 86 42 87 29 48 201 188 128 44 1,483

193 217 253 285 321 377 416 466 540 588 630 716 758 845 874 922 1,123 1,311 1,439 1,483

13.01 13.01 1.62 14.63 2.43 17.06 2.16 19.22 2.43 21.65 3.78 25.42 2.63 28.05 3.37 31.42 4.99 36.41 3.24 39.65 2.83 42.48 5.80 48.28 2.83 51.11 5.87 56.98 1.96 58.93 3.24 62.17 13.55 75.72 12.68 88.40 8.63 97.03 2.97 100.00

4,378.16 12.02 15.00 40.75 27.64 78.09 61.07 126.80 398.80 410.25 214.26 417.40 389.12 745.84 342.53 886.10 4,838.63 6,404.45 5,132.88 394.74 25,314.54

4,378.16 4,390.18 4,405.18 4,445.93 4,473.57 4,551.66 4,612.73 4,739.53 5,138.33 5,548.59 5,762.84 6,180.25 6,569.37 7,315.21 7,657.74 8,543.84 13,382.47 19,786.92 24,919.80 25,314.54

17.30 17.30 0.05 17.34 0.06 17.40 0.16 17.56 0.11 17.67 0.31 17.98 0.24 18.22 0.50 18.72 1.58 20.30 1.62 21.92 0.85 22.76 1.65 24.41 1.54 25.95 2.95 28.90 1.35 30.25 3.50 33.75 19.11 52.86 25.30 78.16 20.28 98.44 1.56 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 3 0 0 2 0 0 2 0 0 0 2 4 4 8 2 29

2 2 2 2 2 5 5 5 7 7 7 9 9 9 9 11 15 19 27 29

6.90 6.90 0.00 6.90 0.00 6.90 0.00 6.90 0.00 6.90 10.34 17.24 0.00 17.24 0.00 17.24 6.90 24.14 0.00 24.14 0.00 24.14 6.90 31.03 0.00 31.03 0.00 31.03 0.00 31.03 6.90 37.93 13.79 51.72 13.79 65.52 27.59 93.10 6.90 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 202.76 0.00 0.00 262.50 0.00 122.45 0.00 0.00 29.78 0.00 0.00 4.32 0.00 0.00 0.00 9.27 166.19 64.28 162.42 20.33 1,044.28

202.76 202.76 202.76 465.26 465.26 587.70 587.70 587.70 617.48 617.48 617.48 621.80 621.80 621.80 621.80 631.07 797.26 861.53 1,023.95 1,044.28

19.42 19.42 4.63 0.00 19.42 0.00 0.00 19.42 0.00 25.14 44.55 644.20 0.00 44.55 0.00 11.73 56.28 156.80 0.00 56.28 0.00 0.00 56.28 0.00 2.85 59.13 7.47 0.00 59.13 0.00 0.00 59.13 0.00 0.41 59.54 1.03 0.00 59.54 0.00 0.00 59.54 0.00 0.00 59.54 0.00 0.89 60.43 1.05 15.91 76.35 3.43 6.15 82.50 1.00 15.55 98.05 3.16 1.95 100.00 5.15

4.63 4.62 4.60 10.46 10.40 12.91 12.74 12.40 12.02 11.13 10.71 10.06 9.47 8.50 8.12 7.39 5.96 4.35 4.11 4.13

4.13

Page 170 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 32 Recreation Place

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 62 25 5 8 3 4 4 12 1 7 1 1 1 22 2 23 4 13 5 9 212

62 87 92 100 103 107 111 123 124 131 132 133 134 156 158 181 185 198 203 212

29.25 29.25 11.79 41.04 2.36 43.40 3.77 47.17 1.42 48.58 1.89 50.47 1.89 52.36 5.66 58.02 0.47 58.49 3.30 61.79 0.47 62.26 0.47 62.74 0.47 63.21 10.38 73.58 0.94 74.53 10.85 85.38 1.89 87.26 6.13 93.40 2.36 95.75 4.25 100.00

694.96 209.14 14.74 3.78 3.14 5.80 5.48 67.77 3.03 420.17 5.70 14.44 9.61 1,493.68 4.82 1,739.24 52.74 418.45 76.46 120.42 5,363.58

694.96 904.10 918.84 922.61 925.75 931.56 937.03 1,004.80 1,007.83 1,428.00 1,433.70 1,448.14 1,457.75 2,951.43 2,956.25 4,695.50 4,748.24 5,166.69 5,243.15 5,363.58

12.96 12.96 3.90 16.86 0.27 17.13 0.07 17.20 0.06 17.26 0.11 17.37 0.10 17.47 1.26 18.73 0.06 18.79 7.83 26.62 0.11 26.73 0.27 27.00 0.18 27.18 27.85 55.03 0.09 55.12 32.43 87.54 0.98 88.53 7.80 96.33 1.43 97.75 2.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 0 2 0 0 0 0 0 0 0 0 0 0 2 0 0 0 2 35 47

6 6 6 8 8 8 8 8 8 8 8 8 8 8 10 10 10 10 12 47

12.77 12.77 0.00 12.77 0.00 12.77 4.26 17.02 0.00 17.02 0.00 17.02 0.00 17.02 0.00 17.02 0.00 17.02 0.00 17.02 0.00 17.02 0.00 17.02 0.00 17.02 0.00 17.02 4.26 21.28 0.00 21.28 0.00 21.28 0.00 21.28 4.26 25.53 74.47 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 42.98 0.00 0.00 0.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 62.45 0.00 0.00 0.00 10.81 438.39 554.90

42.98 42.98 42.98 43.26 43.26 43.26 43.26 43.26 43.26 43.26 43.26 43.26 43.26 43.26 105.70 105.70 105.70 105.70 116.51 554.90

7.75 7.75 0.00 7.75 0.00 7.75 0.05 7.80 0.00 7.80 0.00 7.80 0.00 7.80 0.00 7.80 0.00 7.80 0.00 7.80 0.00 7.80 0.00 7.80 0.00 7.80 0.00 7.80 11.25 19.05 0.00 19.05 0.00 19.05 0.00 19.05 1.95 21.00 79.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 6.18 0.00 0.00 7.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,294.46 0.00 0.00 0.00 14.14 364.04

6.18 4.75 4.68 4.69 4.67 4.64 4.62 4.31 4.29 3.03 3.02 2.99 2.97 1.47 3.58 2.25 2.23 2.05 2.22 10.35

10.35

Page 171 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 40 Non Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,510 514 183 72 108 59 39 49 29 16 5 9 15 14 18 28 45 35 41 7 2,796

1,510 2,024 2,207 2,279 2,387 2,446 2,485 2,534 2,563 2,579 2,584 2,593 2,608 2,622 2,640 2,668 2,713 2,748 2,789 2,796

54.01 54.01 18.38 72.39 6.55 78.93 2.58 81.51 3.86 85.37 2.11 87.48 1.39 88.88 1.75 90.63 1.04 91.67 0.57 92.24 0.18 92.42 0.32 92.74 0.54 93.28 0.50 93.78 0.64 94.42 1.00 95.42 1.61 97.03 1.25 98.28 1.47 99.75 0.25 100.00

689.61 125.47 137.11 29.35 93.35 49.80 195.28 93.49 208.39 333.93 12.88 76.09 134.04 230.87 213.35 833.70 940.89 437.68 1,450.59 69.40 6,355.23

689.61 815.07 952.18 981.53 1,074.87 1,124.67 1,319.95 1,413.44 1,621.83 1,955.75 1,968.63 2,044.72 2,178.76 2,409.62 2,622.98 3,456.67 4,397.56 4,835.24 6,285.83 6,355.23

10.85 10.85 1.97 12.83 2.16 14.98 0.46 15.44 1.47 16.91 0.78 17.70 3.07 20.77 1.47 22.24 3.28 25.52 5.25 30.77 0.20 30.98 1.20 32.17 2.11 34.28 3.63 37.92 3.36 41.27 13.12 54.39 14.80 69.20 6.89 76.08 22.83 98.91 1.09 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

: : :

01/01/2011 15/06/2012 15/11/2012

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 172 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,968 2,586 4,007 2,140 1,992 683 523 368 181 95 75 88 65 98 47 75 62 43 21 19 15,136

1,968 4,554 8,561 10,701 12,693 13,376 13,899 14,267 14,448 14,543 14,618 14,706 14,771 14,869 14,916 14,991 15,053 15,096 15,117 15,136

13.00 13.00 17.09 30.09 26.47 56.56 14.14 70.70 13.16 83.86 4.51 88.37 3.46 91.83 2.43 94.26 1.20 95.45 0.63 96.08 0.50 96.58 0.58 97.16 0.43 97.59 0.65 98.24 0.31 98.55 0.50 99.04 0.41 99.45 0.28 99.74 0.14 99.87 0.13 100.00

814.20 487.39 1,521.26 1,264.49 1,882.99 988.80 1,087.37 936.82 573.50 306.12 278.42 491.28 329.22 611.93 465.20 1,021.51 1,099.66 584.27 731.18 2,895.45 18,371.07

814.20 1,301.59 2,822.86 4,087.34 5,970.34 6,959.14 8,046.51 8,983.33 9,556.83 9,862.95 10,141.37 10,632.65 10,961.87 11,573.80 12,039.00 13,060.51 14,160.17 14,744.44 15,475.62 18,371.07

4.43 4.43 2.65 7.09 8.28 15.37 6.88 22.25 10.25 32.50 5.38 37.88 5.92 43.80 5.10 48.90 3.12 52.02 1.67 53.69 1.52 55.20 2.67 57.88 1.79 59.67 3.33 63.00 2.53 65.53 5.56 71.09 5.99 77.08 3.18 80.26 3.98 84.24 15.76 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 1 6 4 1 0 0 6 5 0 0 0 0 0 3 0 0 0 2 0 30

2 3 9 13 14 14 14 20 25 25 25 25 25 25 28 28 28 28 30 30

6.67 6.67 3.33 10.00 20.00 30.00 13.33 43.33 3.33 46.67 0.00 46.67 0.00 46.67 20.00 66.67 16.67 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 10.00 93.33 0.00 93.33 0.00 93.33 0.00 93.33 6.67 100.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 45.00 0.00 4,080.98 56.73 0.00 0.00 0.00 345.62 525.14 0.00 0.00 0.00 0.00 0.00 57.77 0.00 0.00 0.00 17.36 0.00 5,128.59

45.00 45.00 4,125.98 4,182.71 4,182.71 4,182.71 4,182.71 4,528.32 5,053.46 5,053.46 5,053.46 5,053.46 5,053.46 5,053.46 5,111.24 5,111.24 5,111.24 5,111.24 5,128.59 5,128.59

0.88 0.88 5.53 5.53 0.00 0.88 0.00 3.46 79.57 80.45 268.26 146.16 1.11 81.56 4.49 102.33 0.00 81.56 0.00 70.06 0.00 81.56 0.00 60.10 0.00 81.56 0.00 51.98 6.74 88.30 36.89 50.41 10.24 98.54 91.57 52.88 0.00 98.54 0.00 51.24 0.00 98.54 0.00 49.83 0.00 98.54 0.00 47.53 0.00 98.54 0.00 46.10 0.00 98.54 0.00 43.66 1.13 99.66 12.42 42.46 0.00 99.66 0.00 39.14 0.00 99.66 0.00 36.10 0.00 99.66 0.00 34.67 0.34 100.00 2.37 33.14 0.00 100.00 0.00 27.92 27.92

Page 173 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 02 - SUMATERA UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 15,081 12,167 16,553 11,130 12,893 6,396 4,659 4,008 2,502 1,519 1,316 1,625 1,148 1,460 881 1,297 1,138 568 508 136 96,985

15,081 27,248 43,801 54,931 67,824 74,220 78,879 82,887 85,389 86,908 88,224 89,849 90,997 92,457 93,338 94,635 95,773 96,341 96,849 96,985

15.55 15.55 12.55 28.10 17.07 45.16 11.48 56.64 13.29 69.93 6.59 76.53 4.80 81.33 4.13 85.46 2.58 88.04 1.57 89.61 1.36 90.97 1.68 92.64 1.18 93.83 1.51 95.33 0.91 96.24 1.34 97.58 1.17 98.75 0.59 99.34 0.52 99.86 0.14 100.00

13,099.91 1,747.16 4,382.66 5,308.98 9,376.37 7,081.91 7,014.86 7,727.15 5,747.01 4,445.52 3,786.91 5,362.05 4,658.31 7,962.18 7,378.13 14,818.19 16,795.87 12,430.39 16,588.87 3,979.87 159,692.32

13,099.91 14,847.07 19,229.73 24,538.71 33,915.09 40,997.00 48,011.86 55,739.01 61,486.02 65,931.54 69,718.45 75,080.51 79,738.82 87,700.99 95,079.13 109,897.31 126,693.19 139,123.58 155,712.45 159,692.32

8.20 8.20 1.09 9.30 2.74 12.04 3.32 15.37 5.87 21.24 4.43 25.67 4.39 30.07 4.84 34.90 3.60 38.50 2.78 41.29 2.37 43.66 3.36 47.02 2.92 49.93 4.99 54.92 4.62 59.54 9.28 68.82 10.52 79.34 7.78 87.12 10.39 97.51 2.49 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 36 20 21 7 26 38 23 22 21 12 13 14 0 21 16 12 36 18 11 4 371

36 56 77 84 110 148 171 193 214 226 239 253 253 274 290 302 338 356 367 371

9.70 9.70 5.39 15.09 5.66 20.75 1.89 22.64 7.01 29.65 10.24 39.89 6.20 46.09 5.93 52.02 5.66 57.68 3.23 60.92 3.50 64.42 3.77 68.19 0.00 68.19 5.66 73.85 4.31 78.17 3.23 81.40 9.70 91.11 4.85 95.96 2.96 98.92 1.08 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,356.06 493.14 558.76 372.63 709.84 1,777.67 2,679.03 1,567.90 3,245.46 108.02 210.84 217.04 0.00 6,758.79 6,463.09 184.01 1,047.80 496.19 4,477.76 9.37 34,733.42

3,356.06 3,849.20 4,407.96 4,780.60 5,490.43 7,268.10 9,947.14 11,515.04 14,760.50 14,868.52 15,079.36 15,296.40 15,296.40 22,055.19 28,518.27 28,702.29 29,750.09 30,246.28 34,724.04 34,733.42

9.66 9.66 1.42 11.08 1.61 12.69 1.07 13.76 2.04 15.81 5.12 20.93 7.71 28.64 4.51 33.15 9.34 42.50 0.31 42.81 0.61 43.41 0.62 44.04 0.00 44.04 19.46 63.50 18.61 82.11 0.53 82.64 3.02 85.65 1.43 87.08 12.89 99.97 0.03 100.00

25.62 28.23 12.75 7.02 7.57 25.10 38.19 20.29 56.47 2.43 5.57 4.05 0.00 84.89 87.60 1.24 6.24 3.99 26.99 0.24

25.62 25.93 22.92 19.48 16.19 17.73 20.72 20.66 24.01 22.55 21.63 20.37 19.18 25.15 29.99 26.12 23.48 21.74 22.30 21.75

21.75

Page 174 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 03 - SUMATERA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,262 6,542 11,109 7,502 7,070 2,882 2,211 1,573 989 600 518 700 654 765 491 543 251 95 82 33 49,872

5,262 11,804 22,913 30,415 37,485 40,367 42,578 44,151 45,140 45,740 46,258 46,958 47,612 48,377 48,868 49,411 49,662 49,757 49,839 49,872

10.55 10.55 13.12 23.67 22.28 45.94 15.04 60.99 14.18 75.16 5.78 80.94 4.43 85.37 3.15 88.53 1.98 90.51 1.20 91.71 1.04 92.75 1.40 94.16 1.31 95.47 1.53 97.00 0.98 97.99 1.09 99.08 0.50 99.58 0.19 99.77 0.16 99.93 0.07 100.00

3,073.71 1,086.42 3,200.17 2,927.90 15,330.40 3,289.81 3,527.83 3,147.40 2,134.71 1,407.13 1,279.63 1,724.58 1,617.52 2,420.28 1,778.52 3,535.73 3,055.41 1,524.47 1,198.27 351.59 57,611.49

3,073.71 4,160.13 7,360.30 10,288.20 25,618.60 28,908.41 32,436.24 35,583.64 37,718.35 39,125.48 40,405.12 42,129.69 43,747.21 46,167.49 47,946.01 51,481.74 54,537.15 56,061.63 57,259.90 57,611.49

5.34 5.34 1.89 7.22 5.55 12.78 5.08 17.86 26.61 44.47 5.71 50.18 6.12 56.30 5.46 61.76 3.71 65.47 2.44 67.91 2.22 70.13 2.99 73.13 2.81 75.93 4.20 80.14 3.09 83.22 6.14 89.36 5.30 94.66 2.65 97.31 2.08 99.39 0.61 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 4 0 7 13 0 6 2 0 2 5 0 0 7 1 4 0 7 2 0 63

3 7 7 14 27 27 33 35 35 37 42 42 42 49 50 54 54 61 63 63

4.76 4.76 6.35 11.11 0.00 11.11 11.11 22.22 20.63 42.86 0.00 42.86 9.52 52.38 3.17 55.56 0.00 55.56 3.17 58.73 7.94 66.67 0.00 66.67 0.00 66.67 11.11 77.78 1.59 79.37 6.35 85.71 0.00 85.71 11.11 96.83 3.17 100.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 22.50 76.84 0.00 343.27 1,057.28 0.00 654.11 21.60 0.00 90.53 2,200.13 0.00 0.00 1,297.93 0.00 37.18 0.00 171.33 1.11 0.00 5,973.79

22.50 99.34 99.34 442.61 1,499.88 1,499.88 2,153.99 2,175.59 2,175.59 2,266.12 4,466.25 4,466.25 4,466.25 5,764.18 5,764.18 5,801.36 5,801.36 5,972.68 5,973.79 5,973.79

0.38 0.38 0.73 1.29 1.66 7.07 0.00 1.66 0.00 5.75 7.41 11.72 17.70 25.11 6.90 0.00 25.11 0.00 10.95 36.06 18.54 0.36 36.42 0.69 0.00 36.42 0.00 1.52 37.93 6.43 36.83 74.76 171.93 0.00 74.76 0.00 0.00 74.76 0.00 21.73 96.49 53.63 0.00 96.49 0.00 0.62 97.11 1.05 0.00 97.11 0.00 2.87 99.98 11.24 0.02 100.00 0.09 0.00 100.00 0.00

0.73 2.39 1.35 4.30 5.85 5.19 6.64 6.11 5.77 5.79 11.05 10.60 10.21 12.49 12.02 11.27 10.64 10.65 10.43 10.37

10.37

Page 175 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

: : :

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

TOTAL FR, IAR, LOP, EQ 2011 04 - RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,502 5,780 8,348 6,213 6,871 2,947 2,073 1,970 1,182 730 667 770 637 694 487 644 527 373 385 72 46,872

5,502 11,282 19,630 25,843 32,714 35,661 37,734 39,704 40,886 41,616 42,283 43,053 43,690 44,384 44,871 45,515 46,042 46,415 46,800 46,872

11.74 11.74 12.33 24.07 17.81 41.88 13.26 55.14 14.66 69.79 6.29 76.08 4.42 80.50 4.20 84.71 2.52 87.23 1.56 88.79 1.42 90.21 1.64 91.85 1.36 93.21 1.48 94.69 1.04 95.73 1.37 97.10 1.12 98.23 0.80 99.03 0.82 99.85 0.15 100.00

3,379.06 1,281.67 2,564.93 3,295.66 6,434.85 3,958.21 3,604.51 3,429.97 2,494.38 1,770.84 1,771.56 2,083.42 2,176.46 2,446.81 2,063.22 4,580.78 6,624.91 5,065.90 6,095.26 686.59 65,809.00

3,379.06 4,660.73 7,225.66 10,521.33 16,956.17 20,914.38 24,518.89 27,948.87 30,443.25 32,214.09 33,985.66 36,069.07 38,245.54 40,692.35 42,755.57 47,336.35 53,961.26 59,027.15 65,122.41 65,809.00

5.13 5.13 1.95 7.08 3.90 10.98 5.01 15.99 9.78 25.77 6.01 31.78 5.48 37.26 5.21 42.47 3.79 46.26 2.69 48.95 2.69 51.64 3.17 54.81 3.31 58.12 3.72 61.83 3.14 64.97 6.96 71.93 10.07 82.00 7.70 89.69 9.26 98.96 1.04 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 15 0 14 5 11 13 4 18 4 0 2 2 2 4 2 6 11 8 26 7 154

15 15 29 34 45 58 62 80 84 84 86 88 90 94 96 102 113 121 147 154

9.74 9.74 0.00 9.74 9.09 18.83 3.25 22.08 7.14 29.22 8.44 37.66 2.60 40.26 11.69 51.95 2.60 54.55 0.00 54.55 1.30 55.84 1.30 57.14 1.30 58.44 2.60 61.04 1.30 62.34 3.90 66.23 7.14 73.38 5.19 78.57 16.88 95.45 4.55 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 10,048.64 0.00 492.86 13.00 528.65 1,567.18 1,077.49 1,068.93 43.97 0.00 25.87 27.97 1.33 54.04 35.41 256.76 424.13 384.04 318.18 597.57 16,966.01

10,048.64 10,048.64 10,541.51 10,554.50 11,083.15 12,650.33 13,727.82 14,796.74 14,840.71 14,840.71 14,866.58 14,894.55 14,895.88 14,949.92 14,985.33 15,242.10 15,666.23 16,050.27 16,368.44 16,966.01

59.23 59.23 297.38 297.38 0.00 59.23 0.00 215.60 2.91 62.13 19.22 145.89 0.08 62.21 0.39 100.32 3.12 65.33 8.22 65.36 9.24 74.56 39.59 60.49 6.35 80.91 29.89 55.99 6.30 87.21 31.16 52.94 0.26 87.47 1.76 48.75 0.00 87.47 0.00 46.07 0.15 87.63 1.46 43.74 0.16 87.79 1.34 41.29 0.01 87.80 0.06 38.95 0.32 88.12 2.21 36.74 0.21 88.33 1.72 35.05 1.51 89.84 5.61 32.20 2.50 92.34 6.40 29.03 2.26 94.60 7.58 27.19 1.88 96.48 5.22 25.13 3.52 100.00 87.04 25.78 25.78

Page 176 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 05 - JAMBI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,202 2,340 3,159 1,968 1,829 813 515 446 270 171 126 163 110 185 95 138 104 90 86 13 14,823

2,202 4,542 7,701 9,669 11,498 12,311 12,826 13,272 13,542 13,713 13,839 14,002 14,112 14,297 14,392 14,530 14,634 14,724 14,810 14,823

14.86 14.86 15.79 30.64 21.31 51.95 13.28 65.23 12.34 77.57 5.48 83.05 3.47 86.53 3.01 89.54 1.82 91.36 1.15 92.51 0.85 93.36 1.10 94.46 0.74 95.20 1.25 96.45 0.64 97.09 0.93 98.02 0.70 98.72 0.61 99.33 0.58 99.91 0.09 100.00

969.09 451.85 1,093.32 1,293.06 1,832.22 1,160.97 994.83 886.37 761.27 549.40 298.99 690.57 465.60 1,096.38 647.27 1,316.47 1,401.09 1,545.26 859.80 2,202.01 20,515.84

969.09 1,420.94 2,514.26 3,807.32 5,639.54 6,800.51 7,795.34 8,681.71 9,442.98 9,992.38 10,291.37 10,981.94 11,447.54 12,543.93 13,191.20 14,507.67 15,908.76 17,454.02 18,313.82 20,515.84

4.72 4.72 2.20 6.93 5.33 12.26 6.30 18.56 8.93 27.49 5.66 33.15 4.85 38.00 4.32 42.32 3.71 46.03 2.68 48.71 1.46 50.16 3.37 53.53 2.27 55.80 5.34 61.14 3.15 64.30 6.42 70.71 6.83 77.54 7.53 85.08 4.19 89.27 10.73 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 4 0 5 4 2 0 2 0 0 0 0 0 0 0 3 3 2 2 33

4 6 10 10 15 19 21 21 23 23 23 23 23 23 23 23 26 29 31 33

12.12 12.12 6.06 18.18 12.12 30.30 0.00 30.30 15.15 45.45 12.12 57.58 6.06 63.64 0.00 63.64 6.06 69.70 0.00 69.70 0.00 69.70 0.00 69.70 0.00 69.70 0.00 69.70 0.00 69.70 0.00 69.70 9.09 78.79 9.09 87.88 6.06 93.94 6.06 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 66.40 15.57 284.16 262.50 309.90 25.01 990.81 0.00 1,103.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 109.32 261.05 6.66 13.57 3,448.54

66.40 81.97 366.12 628.62 938.53 963.53 1,954.34 1,954.34 3,057.94 3,057.94 3,057.94 3,057.94 3,057.94 3,057.94 3,057.94 3,057.94 3,167.26 3,428.31 3,434.97 3,448.54

1.93 1.93 6.85 0.45 2.38 3.44 8.24 10.62 25.99 7.61 18.23 20.30 8.99 27.22 16.91 0.73 27.94 2.15 28.73 56.67 99.60 0.00 56.67 0.00 32.00 88.67 144.97 0.00 88.67 0.00 0.00 88.67 0.00 0.00 88.67 0.00 0.00 88.67 0.00 0.00 88.67 0.00 0.00 88.67 0.00 0.00 88.67 0.00 3.17 91.84 7.80 7.57 99.41 16.89 0.19 99.61 0.77 0.39 100.00 0.62

6.85 5.77 14.56 16.51 16.64 14.17 25.07 22.51 32.38 30.60 29.71 27.85 26.71 24.38 23.18 21.08 19.91 19.64 18.76 16.81

16.81

Page 177 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 06 - SUMATERA SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,540 3,549 5,932 4,032 4,532 2,254 1,737 1,375 968 579 557 643 545 577 513 738 481 235 376 121 34,284

4,540 8,089 14,021 18,053 22,585 24,839 26,576 27,951 28,919 29,498 30,055 30,698 31,243 31,820 32,333 33,071 33,552 33,787 34,163 34,284

13.24 13.24 10.35 23.59 17.30 40.90 11.76 52.66 13.22 65.88 6.57 72.45 5.07 77.52 4.01 81.53 2.82 84.35 1.69 86.04 1.62 87.66 1.88 89.54 1.59 91.13 1.68 92.81 1.50 94.31 2.15 96.46 1.40 97.86 0.69 98.55 1.10 99.65 0.35 100.00

2,562.10 567.53 1,528.18 1,864.11 3,575.58 2,688.51 2,891.40 2,749.14 2,131.32 1,189.39 1,239.85 1,623.18 1,397.80 2,173.95 1,999.89 4,859.49 4,468.96 2,670.80 5,839.25 2,381.40 50,401.82

2,562.10 3,129.63 4,657.80 6,521.92 10,097.50 12,786.01 15,677.41 18,426.55 20,557.86 21,747.26 22,987.11 24,610.30 26,008.09 28,182.04 30,181.93 35,041.42 39,510.38 42,181.18 48,020.42 50,401.82

5.08 5.08 1.13 6.21 3.03 9.24 3.70 12.94 7.09 20.03 5.33 25.37 5.74 31.10 5.45 36.56 4.23 40.79 2.36 43.15 2.46 45.61 3.22 48.83 2.77 51.60 4.31 55.91 3.97 59.88 9.64 69.52 8.87 78.39 5.30 83.69 11.59 95.28 4.72 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 0 2 5 2 4 14 11 0 2 0 0 2 4 0 12 9 6 12 6 104

13 13 15 20 22 26 40 51 51 53 53 53 55 59 59 71 80 86 98 104

12.50 12.50 0.00 12.50 1.92 14.42 4.81 19.23 1.92 21.15 3.85 25.00 13.46 38.46 10.58 49.04 0.00 49.04 1.92 50.96 0.00 50.96 0.00 50.96 1.92 52.88 3.85 56.73 0.00 56.73 11.54 68.27 8.65 76.92 5.77 82.69 11.54 94.23 5.77 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 387.87 0.00 66.33 63.12 0.85 535.47 1,226.41 1,448.28 0.00 4.88 0.00 0.00 9.00 785.68 0.00 191.83 121.19 34.46 1,005.84 29.55 5,910.76

387.87 387.87 454.20 517.32 518.17 1,053.64 2,280.06 3,728.33 3,728.33 3,733.21 3,733.21 3,733.21 3,742.21 4,527.89 4,527.89 4,719.72 4,840.91 4,875.37 5,881.21 5,910.76

6.56 6.56 0.00 6.56 1.12 7.68 1.07 8.75 0.01 8.77 9.06 17.83 20.75 38.57 24.50 63.08 0.00 63.08 0.08 63.16 0.00 63.16 0.00 63.16 0.15 63.31 13.29 76.60 0.00 76.60 3.25 79.85 2.05 81.90 0.58 82.48 17.02 99.50 0.50 100.00

15.14 0.00 4.34 3.39 0.02 19.92 42.42 52.68 0.00 0.41 0.00 0.00 0.64 36.14 0.00 3.95 2.71 1.29 17.23 1.24

15.14 12.39 9.75 7.93 5.13 8.24 14.54 20.23 18.14 17.17 16.24 15.17 14.39 16.07 15.00 13.47 12.25 11.56 12.25 11.73

11.73

Page 178 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 07 - BENGKULU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,149 2,608 3,434 1,998 1,650 654 410 272 145 101 105 111 87 107 66 85 57 32 7 11 14,089

2,149 4,757 8,191 10,189 11,839 12,493 12,903 13,175 13,320 13,421 13,526 13,637 13,724 13,831 13,897 13,982 14,039 14,071 14,078 14,089

15.25 15.25 18.51 33.76 24.37 58.14 14.18 72.32 11.71 84.03 4.64 88.67 2.91 91.58 1.93 93.51 1.03 94.54 0.72 95.26 0.75 96.00 0.79 96.79 0.62 97.41 0.76 98.17 0.47 98.64 0.60 99.24 0.40 99.65 0.23 99.87 0.05 99.92 0.08 100.00

728.65 407.70 973.64 887.66 1,319.85 796.59 712.55 545.07 303.07 242.83 300.34 299.32 239.15 483.81 514.81 742.81 784.72 513.17 129.11 84.49 11,009.33

728.65 1,136.35 2,109.99 2,997.65 4,317.50 5,114.09 5,826.64 6,371.71 6,674.78 6,917.61 7,217.95 7,517.27 7,756.41 8,240.23 8,755.04 9,497.85 10,282.57 10,795.73 10,924.85 11,009.33

6.62 6.62 3.70 10.32 8.84 19.17 8.06 27.23 11.99 39.22 7.24 46.45 6.47 52.92 4.95 57.88 2.75 60.63 2.21 62.83 2.73 65.56 2.72 68.28 2.17 70.45 4.39 74.85 4.68 79.52 6.75 86.27 7.13 93.40 4.66 98.06 1.17 99.23 0.77 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 4 3 6 1 1 3 0 3 0 0 0 0 0 2 0 0 0 0 0 24

1 5 8 14 15 16 19 19 22 22 22 22 22 22 24 24 24 24 24 24

4.17 16.67 12.50 25.00 4.17 4.17 12.50 0.00 12.50 0.00 0.00 0.00 0.00 0.00 8.33 0.00 0.00 0.00 0.00 0.00

4.17 20.83 33.33 58.33 62.50 66.67 79.17 79.17 91.67 91.67 91.67 91.67 91.67 91.67 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 139.70 6.39 77.13 0.00 0.00 923.05 0.00 458.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,604.69

0.00 139.70 146.09 223.22 223.22 223.22 1,146.27 1,146.27 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69 1,604.69

0.00 8.71 0.40 4.81 0.00 0.00 57.52 0.00 28.57 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 8.71 34.26 9.10 0.66 13.91 8.69 13.91 0.00 13.91 0.00 71.43 129.54 71.43 0.00 100.00 151.25 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 12.29 6.92 7.45 5.17 4.36 19.67 17.99 24.04 23.20 22.23 21.35 20.69 19.47 18.33 16.90 15.61 14.86 14.69 14.58

14.58

Page 179 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 08 - LAMPUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,851 4,111 5,867 3,058 2,995 1,406 1,002 779 493 323 308 368 234 352 231 396 386 179 276 92 26,707

3,851 7,962 13,829 16,887 19,882 21,288 22,290 23,069 23,562 23,885 24,193 24,561 24,795 25,147 25,378 25,774 26,160 26,339 26,615 26,707

14.42 14.42 15.39 29.81 21.97 51.78 11.45 63.23 11.21 74.44 5.26 79.71 3.75 83.46 2.92 86.38 1.85 88.22 1.21 89.43 1.15 90.59 1.38 91.96 0.88 92.84 1.32 94.16 0.86 95.02 1.48 96.51 1.45 97.95 0.67 98.62 1.03 99.66 0.34 100.00

2,187.87 451.81 1,292.43 1,317.79 2,264.83 1,639.01 1,418.22 1,668.03 1,292.45 1,025.06 859.43 1,363.50 909.64 1,705.33 1,647.65 3,753.91 5,224.48 3,365.88 6,934.19 4,937.93 45,259.43

2,187.87 2,639.68 3,932.11 5,249.90 7,514.73 9,153.75 10,571.96 12,240.00 13,532.45 14,557.51 15,416.93 16,780.43 17,690.07 19,395.40 21,043.04 24,796.95 30,021.42 33,387.31 40,321.50 45,259.43

4.83 4.83 1.00 5.83 2.86 8.69 2.91 11.60 5.00 16.60 3.62 20.23 3.13 23.36 3.69 27.04 2.86 29.90 2.26 32.16 1.90 34.06 3.01 37.08 2.01 39.09 3.77 42.85 3.64 46.49 8.29 54.79 11.54 66.33 7.44 73.77 15.32 89.09 10.91 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 1 2 0 2 0 2 3 2 2 0 2 4 6 10 8 12 11 20 93

4 6 7 9 9 11 11 13 16 18 20 20 22 26 32 42 50 62 73 93

4.30 4.30 2.15 6.45 1.08 7.53 2.15 9.68 0.00 9.68 2.15 11.83 0.00 11.83 2.15 13.98 3.23 17.20 2.15 19.35 2.15 21.51 0.00 21.51 2.15 23.66 4.30 27.96 6.45 34.41 10.75 45.16 8.60 53.76 12.90 66.67 11.83 78.49 21.51 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 18.00 8.80 0.00 0.86 0.00 13.33 0.00 400.26 338.94 4.93 2.00 8.73 57.85 77.75 66.63 47.99 86.52 1,857.71 559.56 189.55 3,739.40

18.00 26.80 26.80 27.66 27.66 40.99 40.99 441.25 780.19 785.12 787.12 795.85 853.70 931.45 998.08 1,046.07 1,132.59 2,990.30 3,549.85 3,739.40

0.48 0.48 0.24 0.72 0.00 0.72 0.02 0.74 0.00 0.74 0.36 1.10 0.00 1.10 10.70 11.80 9.06 20.86 0.13 21.00 0.05 21.05 0.23 21.28 1.55 22.83 2.08 24.91 1.78 26.69 1.28 27.97 2.31 30.29 49.68 79.97 14.96 94.93 5.07 100.00

0.82 1.95 0.00 0.07 0.00 0.81 0.00 24.00 26.22 0.48 0.23 0.64 6.36 4.56 4.04 1.28 1.66 55.19 8.07 3.84

0.82 1.02 0.68 0.53 0.37 0.45 0.39 3.60 5.77 5.39 5.11 4.74 4.83 4.80 4.74 4.22 3.77 8.96 8.80 8.26

8.26

Page 180 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 26,894 15,231 25,257 21,696 35,117 23,464 19,409 17,651 11,713 7,148 6,556 8,074 6,371 7,828 5,407 7,285 5,080 2,076 2,417 930 255,604

26,894 42,125 67,382 89,078 124,195 147,659 167,068 184,719 196,432 203,580 210,136 218,210 224,581 232,409 237,816 245,101 250,181 252,257 254,674 255,604

10.52 10.52 5.96 16.48 9.88 26.36 8.49 34.85 13.74 48.59 9.18 57.77 7.59 65.36 6.91 72.27 4.58 76.85 2.80 79.65 2.56 82.21 3.16 85.37 2.49 87.86 3.06 90.93 2.12 93.04 2.85 95.89 1.99 97.88 0.81 98.69 0.95 99.64 0.36 100.00

30,889.39 3,868.75 7,971.05 8,682.99 22,053.69 20,201.25 23,574.67 26,612.07 21,984.48 15,142.33 15,460.23 21,436.58 18,906.17 28,571.49 23,086.38 66,628.53 45,471.42 25,005.14 45,975.34 47,235.51 518,757.45

30,889.39 34,758.14 42,729.19 51,412.19 73,465.88 93,667.12 117,241.79 143,853.86 165,838.33 180,980.66 196,440.89 217,877.47 236,783.64 265,355.13 288,441.51 355,070.04 400,541.45 425,546.60 471,521.94 518,757.45

5.95 5.95 0.75 6.70 1.54 8.24 1.67 9.91 4.25 14.16 3.89 18.06 4.54 22.60 5.13 27.73 4.24 31.97 2.92 34.89 2.98 37.87 4.13 42.00 3.64 45.64 5.51 51.15 4.45 55.60 12.84 68.45 8.77 77.21 4.82 82.03 8.86 90.89 9.11 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

205 56 77 51 105 59 39 53 58 25 39 35 44 383 47 65 101 78 160 94

13,035.50 1,197.00 2,856.77 1,419.95 7,824.59 1,442.61 2,011.64 2,932.58 2,826.26 801.98 2,227.18 2,314.98 1,172.48 6,598.65 2,549.93 2,720.98 13,760.59 7,926.77 58,115.14 32,198.25

1,774

205 261 338 389 494 553 592 645 703 728 767 802 846 1,229 1,276 1,341 1,442 1,520 1,680 1,774

11.56 11.56 3.16 14.71 4.34 19.05 2.87 21.93 5.92 27.85 3.33 31.17 2.20 33.37 2.99 36.36 3.27 39.63 1.41 41.04 2.20 43.24 1.97 45.21 2.48 47.69 21.59 69.28 2.65 71.93 3.66 75.59 5.69 81.29 4.40 85.68 9.02 94.70 5.30 100.00

165,933.84

13,035.50 14,232.49 17,089.26 18,509.22 26,333.81 27,776.42 29,788.06 32,720.65 35,546.91 36,348.89 38,576.07 40,891.05 42,063.53 48,662.18 51,212.11 53,933.09 67,693.68 75,620.45 133,735.60 165,933.84

7.86 7.86 42.20 0.72 8.58 30.94 1.72 10.30 35.84 0.86 11.15 16.35 4.72 15.87 35.48 0.87 16.74 7.14 1.21 17.95 8.53 1.77 19.72 11.02 1.70 21.42 12.86 0.48 21.91 5.30 1.34 23.25 14.41 1.40 24.64 10.80 0.71 25.35 6.20 3.98 29.33 23.10 1.54 30.86 11.05 1.64 32.50 4.08 8.29 40.80 30.26 4.78 45.57 31.70 35.02 80.60 126.41 19.40 100.00 68.17

42.20 40.95 39.99 36.00 35.84 29.65 25.41 22.75 21.43 20.08 19.64 18.77 17.76 18.34 17.75 15.19 16.90 17.77 28.36 31.99

31.99

Page 181 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 10 - JAWA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 31,618 29,457 37,556 22,147 24,646 13,713 10,658 9,588 6,411 4,088 3,831 4,881 3,860 5,058 3,751 5,594 4,861 2,199 2,859 1,014 227,790

31,618 61,075 98,631 120,778 145,424 159,137 169,795 179,383 185,794 189,882 193,713 198,594 202,454 207,512 211,263 216,857 221,718 223,917 226,776 227,790

13.88 13.88 12.93 26.81 16.49 43.30 9.72 53.02 10.82 63.84 6.02 69.86 4.68 74.54 4.21 78.75 2.81 81.56 1.79 83.36 1.68 85.04 2.14 87.18 1.69 88.88 2.22 91.10 1.65 92.74 2.46 95.20 2.13 97.33 0.97 98.30 1.26 99.55 0.45 100.00

20,885.24 3,622.09 8,428.58 8,774.30 14,930.12 12,464.33 12,759.74 14,948.70 12,031.63 8,995.60 8,791.82 13,298.22 11,357.20 21,129.94 19,351.91 44,988.87 52,450.98 28,263.51 41,719.12 21,442.38 380,634.28

20,885.24 24,507.33 32,935.91 41,710.21 56,640.32 69,104.66 81,864.40 96,813.10 108,844.73 117,840.33 126,632.15 139,930.37 151,287.57 172,417.51 191,769.42 236,758.29 289,209.27 317,472.78 359,191.90 380,634.28

5.49 5.49 0.95 6.44 2.21 8.65 2.31 10.96 3.92 14.88 3.27 18.16 3.35 21.51 3.93 25.43 3.16 28.60 2.36 30.96 2.31 33.27 3.49 36.76 2.98 39.75 5.55 45.30 5.08 50.38 11.82 62.20 13.78 75.98 7.43 83.41 10.96 94.37 5.63 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

122 17 54 68 44 29 31 38 35 13 16 38 29 47 53 94 129 87 155 114

7,589.20 273.07 702.30 1,976.75 1,668.01 2,045.98 722.65 2,237.06 410.91 75.54 122.70 1,367.49 6,195.97 4,723.41 18,706.61 42,202.27 16,849.16 6,755.86 11,026.13 38,164.79

1,213

122 139 193 261 305 334 365 403 438 451 467 505 534 581 634 728 857 944 1,099 1,213

10.06 10.06 1.40 11.46 4.45 15.91 5.61 21.52 3.63 25.14 2.39 27.54 2.56 30.09 3.13 33.22 2.89 36.11 1.07 37.18 1.32 38.50 3.13 41.63 2.39 44.02 3.87 47.90 4.37 52.27 7.75 60.02 10.63 70.65 7.17 77.82 12.78 90.60 9.40 100.00

163,815.86

7,589.20 7,862.27 8,564.57 10,541.31 12,209.33 14,255.31 14,977.96 17,215.02 17,625.93 17,701.47 17,824.17 19,191.66 25,387.63 30,111.04 48,817.65 91,019.92 107,869.08 114,624.94 125,651.07 163,815.86

4.63 4.63 36.34 0.17 4.80 7.54 0.43 5.23 8.33 1.21 6.43 22.53 1.02 7.45 11.17 1.25 8.70 16.41 0.44 9.14 5.66 1.37 10.51 14.96 0.25 10.76 3.42 0.05 10.81 0.84 0.07 10.88 1.40 0.83 11.72 10.28 3.78 15.50 54.56 2.88 18.38 22.35 11.42 29.80 96.67 25.76 55.56 93.81 10.29 65.85 32.12 4.12 69.97 23.90 6.73 76.70 26.43 23.30 100.00 177.99

36.34 32.08 26.00 25.27 21.56 20.63 18.30 17.78 16.19 15.02 14.08 13.72 16.78 17.46 25.46 38.44 37.30 36.11 34.98 43.04

43.04

Page 182 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 11 - JAWA TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 26,495 21,532 22,518 10,606 10,587 5,983 4,145 4,107 2,402 1,606 1,357 1,669 1,369 1,911 1,266 2,093 1,447 679 674 390 122,836

26,495 48,027 70,545 81,151 91,738 97,721 101,866 105,973 108,375 109,981 111,338 113,007 114,376 116,287 117,553 119,646 121,093 121,772 122,446 122,836

21.57 21.57 17.53 39.10 18.33 57.43 8.63 66.06 8.62 74.68 4.87 79.55 3.37 82.93 3.34 86.27 1.96 88.23 1.31 89.53 1.10 90.64 1.36 92.00 1.11 93.11 1.56 94.67 1.03 95.70 1.70 97.40 1.18 98.58 0.55 99.13 0.55 99.68 0.32 100.00

8,369.41 2,447.53 4,702.69 4,182.33 6,721.98 5,980.37 5,437.28 7,487.27 5,128.01 4,624.30 3,648.32 5,932.91 5,738.24 11,727.44 7,635.16 20,101.04 18,270.26 9,241.07 15,932.64 8,154.82 161,463.08

8,369.41 10,816.94 15,519.63 19,701.97 26,423.95 32,404.32 37,841.60 45,328.88 50,456.89 55,081.19 58,729.50 64,662.41 70,400.66 82,128.10 89,763.25 109,864.29 128,134.55 137,375.62 153,308.26 161,463.08

5.18 5.18 1.52 6.70 2.91 9.61 2.59 12.20 4.16 16.37 3.70 20.07 3.37 23.44 4.64 28.07 3.18 31.25 2.86 34.11 2.26 36.37 3.67 40.05 3.55 43.60 7.26 50.86 4.73 55.59 12.45 68.04 11.32 79.36 5.72 85.08 9.87 94.95 5.05 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 73 10 10 14 16 6 12 41 17 9 11 10 14 17 11 38 62 18 59 41 489

73 83 93 107 123 129 141 182 199 208 219 229 243 260 271 309 371 389 448 489

14.93 14.93 2.04 16.97 2.04 19.02 2.86 21.88 3.27 25.15 1.23 26.38 2.45 28.83 8.38 37.22 3.48 40.70 1.84 42.54 2.25 44.79 2.04 46.83 2.86 49.69 3.48 53.17 2.25 55.42 7.77 63.19 12.68 75.87 3.68 79.55 12.07 91.62 8.38 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,525.81 105.12 122.28 598.36 482.73 108.72 500.34 218.42 560.97 55.43 181.50 205.75 1,044.08 1,941.03 129.81 21,424.90 32,600.51 1,817.53 1,794.56 1,573.26 67,991.12

2,525.81 2,630.92 2,753.20 3,351.57 3,834.29 3,943.01 4,443.35 4,661.77 5,222.74 5,278.18 5,459.68 5,665.43 6,709.51 8,650.55 8,780.36 30,205.26 62,805.77 64,623.30 66,417.86 67,991.12

3.71 3.71 30.18 0.15 3.87 4.29 0.18 4.05 2.60 0.88 4.93 14.31 0.71 5.64 7.18 0.16 5.80 1.82 0.74 6.54 9.20 0.32 6.86 2.92 0.83 7.68 10.94 0.08 7.76 1.20 0.27 8.03 4.97 0.30 8.33 3.47 1.54 9.87 18.20 2.85 12.72 16.55 0.19 12.91 1.70 31.51 44.43 106.59 47.95 92.37 178.43 2.67 95.05 19.67 2.64 97.69 11.26 2.31 100.00 19.29

30.18 24.32 17.74 17.01 14.51 12.17 11.74 10.28 10.35 9.58 9.30 8.76 9.53 10.53 9.78 27.49 49.02 47.04 43.32 42.11

42.11

Page 183 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,465 1,842 2,379 1,426 1,618 1,073 777 687 424 277 209 285 229 329 198 300 176 65 61 22 14,842

2,465 4,307 6,686 8,112 9,730 10,803 11,580 12,267 12,691 12,968 13,177 13,462 13,691 14,020 14,218 14,518 14,694 14,759 14,820 14,842

16.61 16.61 12.41 29.02 16.03 45.05 9.61 54.66 10.90 65.56 7.23 72.79 5.24 78.02 4.63 82.65 2.86 85.51 1.87 87.37 1.41 88.78 1.92 90.70 1.54 92.24 2.22 94.46 1.33 95.80 2.02 97.82 1.19 99.00 0.44 99.44 0.41 99.85 0.15 100.00

1,054.28 189.25 530.55 562.51 876.35 1,040.70 950.57 1,100.43 1,054.26 802.62 576.17 888.40 898.20 1,642.00 1,138.83 2,560.58 1,828.97 922.32 1,021.47 212.15 19,850.61

1,054.28 1,243.53 1,774.08 2,336.59 3,212.93 4,253.64 5,204.20 6,304.63 7,358.89 8,161.52 8,737.69 9,626.09 10,524.29 12,166.29 13,305.12 15,865.70 17,694.67 18,616.99 19,638.46 19,850.61

5.31 5.31 0.95 6.26 2.67 8.94 2.83 11.77 4.41 16.19 5.24 21.43 4.79 26.22 5.54 31.76 5.31 37.07 4.04 41.11 2.90 44.02 4.48 48.49 4.52 53.02 8.27 61.29 5.74 67.03 12.90 79.93 9.21 89.14 4.65 93.79 5.15 98.93 1.07 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 0 4 2 6 7 5 4 9 0 2 2 5 0 0 6 0 1 0 59

6 6 6 10 12 18 25 30 34 43 43 45 47 52 52 52 58 58 59 59

10.17 10.17 0.00 10.17 0.00 10.17 6.78 16.95 3.39 20.34 10.17 30.51 11.86 42.37 8.47 50.85 6.78 57.63 15.25 72.88 0.00 72.88 3.39 76.27 3.39 79.66 8.47 88.14 0.00 88.14 0.00 88.14 10.17 98.31 0.00 98.31 1.69 100.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 11.51 0.00 0.00 9.47 171.15 394.58 321.56 521.82 47.95 178.92 0.00 4.00 48.10 146.83 0.00 0.00 183.10 0.00 0.00 0.00 2,038.97

11.51 11.51 11.51 20.98 192.12 586.70 908.25 1,430.07 1,478.02 1,656.94 1,656.94 1,660.94 1,709.04 1,855.87 1,855.87 1,855.87 2,038.97 2,038.97 2,038.97 2,038.97

0.56 0.00 0.00 0.46 8.39 19.35 15.77 25.59 2.35 8.77 0.00 0.20 2.36 7.20 0.00 0.00 8.98 0.00 0.00 0.00

0.56 0.56 0.56 1.03 9.42 28.77 44.54 70.14 72.49 81.26 81.26 81.46 83.82 91.02 91.02 91.02 100.00 100.00 100.00 100.00

1.09 0.00 0.00 1.68 19.53 37.91 33.83 47.42 4.55 22.29 0.00 0.45 5.36 8.94 0.00 0.00 10.01 0.00 0.00 0.00

1.09 0.93 0.65 0.90 5.98 13.79 17.45 22.68 20.08 20.30 18.96 17.25 16.24 15.25 13.95 11.70 11.52 10.95 10.38 10.27

10.27

Page 184 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 13 - JAWA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 22,648 19,904 26,783 15,473 18,740 10,870 8,221 7,714 4,864 3,005 2,354 3,104 2,356 3,082 2,144 3,691 2,940 1,451 1,463 543 161,350

22,648 42,552 69,335 84,808 103,548 114,418 122,639 130,353 135,217 138,222 140,576 143,680 146,036 149,118 151,262 154,953 157,893 159,344 160,807 161,350

14.04 14.04 12.34 26.37 16.60 42.97 9.59 52.56 11.61 64.18 6.74 70.91 5.10 76.01 4.78 80.79 3.01 83.80 1.86 85.67 1.46 87.12 1.92 89.05 1.46 90.51 1.91 92.42 1.33 93.75 2.29 96.04 1.82 97.86 0.90 98.76 0.91 99.66 0.34 100.00

16,591.17 3,469.41 5,691.40 5,598.08 11,193.30 10,216.52 10,214.42 13,183.98 10,622.18 8,269.44 7,463.20 10,997.39 10,047.45 16,725.69 15,082.24 36,448.49 38,537.60 21,018.07 25,911.30 17,532.84 294,814.18

16,591.17 20,060.58 25,751.98 31,350.07 42,543.36 52,759.88 62,974.30 76,158.29 86,780.47 95,049.90 102,513.10 113,510.50 123,557.95 140,283.64 155,365.88 191,814.37 230,351.96 251,370.04 277,281.34 294,814.18

5.63 5.63 1.18 6.80 1.93 8.73 1.90 10.63 3.80 14.43 3.47 17.90 3.46 21.36 4.47 25.83 3.60 29.44 2.80 32.24 2.53 34.77 3.73 38.50 3.41 41.91 5.67 47.58 5.12 52.70 12.36 65.06 13.07 78.13 7.13 85.26 8.79 94.05 5.95 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 92 6 8 13 21 12 43 27 25 18 8 21 27 33 18 61 44 64 58 17 616

92 98 106 119 140 152 195 222 247 265 273 294 321 354 372 433 477 541 599 616

14.94 14.94 0.97 15.91 1.30 17.21 2.11 19.32 3.41 22.73 1.95 24.68 6.98 31.66 4.38 36.04 4.06 40.10 2.92 43.02 1.30 44.32 3.41 47.73 4.38 52.11 5.36 57.47 2.92 60.39 9.90 70.29 7.14 77.44 10.39 87.82 9.42 97.24 2.76 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,185.92 28.45 102.61 573.88 1,152.64 502.86 6,029.39 2,757.32 276.62 486.03 41.35 759.70 5,883.48 3,383.07 998.23 22,065.46 1,509.61 5,262.15 4,623.82 5,231.67 64,854.28

3,185.92 3,214.38 3,316.99 3,890.87 5,043.52 5,546.38 11,575.77 14,333.08 14,609.71 15,095.73 15,137.09 15,896.78 21,780.26 25,163.33 26,161.57 48,227.03 49,736.64 54,998.79 59,622.61 64,854.28

4.91 4.91 0.04 4.96 0.16 5.11 0.88 6.00 1.78 7.78 0.78 8.55 9.30 17.85 4.25 22.10 0.43 22.53 0.75 23.28 0.06 23.34 1.17 24.51 9.07 33.58 5.22 38.80 1.54 40.34 34.02 74.36 2.33 76.69 8.11 84.80 7.13 91.93 8.07 100.00

19.20 0.82 1.80 10.25 10.30 4.92 59.03 20.91 2.60 5.88 0.55 6.91 58.56 20.23 6.62 60.54 3.92 25.04 17.84 29.84

19.20 16.02 12.88 12.41 11.86 10.51 18.38 18.82 16.84 15.88 14.77 14.00 17.63 17.94 16.84 25.14 21.59 21.88 21.50 22.00

22.00

Page 185 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 14 - KALIMANTAN BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,552 5,416 7,764 3,495 3,363 1,650 2,393 2,063 1,585 716 712 638 450 453 299 347 257 76 133 28 38,390

6,552 11,968 19,732 23,227 26,590 28,240 30,633 32,696 34,281 34,997 35,709 36,347 36,797 37,250 37,549 37,896 38,153 38,229 38,362 38,390

17.07 17.07 14.11 31.17 20.22 51.40 9.10 60.50 8.76 69.26 4.30 73.56 6.23 79.79 5.37 85.17 4.13 89.30 1.87 91.16 1.85 93.02 1.66 94.68 1.17 95.85 1.18 97.03 0.78 97.81 0.90 98.71 0.67 99.38 0.20 99.58 0.35 99.93 0.07 100.00

6,808.32 1,979.76 5,466.84 4,240.69 5,423.78 3,074.56 3,680.08 3,225.44 3,123.25 1,681.12 1,968.93 2,220.97 2,026.82 2,064.59 1,952.22 3,789.86 3,142.86 1,313.19 4,511.63 598.49 62,293.40

6,808.32 8,788.08 14,254.92 18,495.61 23,919.39 26,993.95 30,674.03 33,899.48 37,022.73 38,703.85 40,672.78 42,893.75 44,920.56 46,985.16 48,937.37 52,727.23 55,870.09 57,183.28 61,694.91 62,293.40

10.93 10.93 3.18 14.11 8.78 22.88 6.81 29.69 8.71 38.40 4.94 43.33 5.91 49.24 5.18 54.42 5.01 59.43 2.70 62.13 3.16 65.29 3.57 68.86 3.25 72.11 3.31 75.43 3.13 78.56 6.08 84.64 5.05 89.69 2.11 91.80 7.24 99.04 0.96 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 22 6 35 10 11 4 13 2 15 7 2 5 4 2 0 0 2 0 0 4 144

22 28 63 73 84 88 101 103 118 125 127 132 136 138 138 138 140 140 140 144

15.28 15.28 4.17 19.44 24.31 43.75 6.94 50.69 7.64 58.33 2.78 61.11 9.03 70.14 1.39 71.53 10.42 81.94 4.86 86.81 1.39 88.19 3.47 91.67 2.78 94.44 1.39 95.83 0.00 95.83 0.00 95.83 1.39 97.22 0.00 97.22 0.00 97.22 2.78 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6,154.59 241.48 1,470.03 815.46 711.67 677.72 453.66 135.00 1,311.76 105.60 1.63 651.08 131.07 19.58 0.00 0.00 7.00 0.00 0.00 20.91 12,908.23

6,154.59 6,396.07 7,866.09 8,681.55 9,393.22 10,070.95 10,524.60 10,659.60 11,971.37 12,076.97 12,078.59 12,729.67 12,860.74 12,880.32 12,880.32 12,880.32 12,887.32 12,887.32 12,887.32 12,908.23

47.68 47.68 1.87 49.55 11.39 60.94 6.32 67.26 5.51 72.77 5.25 78.02 3.51 81.53 1.05 82.58 10.16 92.74 0.82 93.56 0.01 93.57 5.04 98.62 1.02 99.63 0.15 99.78 0.00 99.78 0.00 99.78 0.05 99.84 0.00 99.84 0.00 99.84 0.16 100.00

90.40 12.20 26.89 19.23 13.12 22.04 12.33 4.19 42.00 6.28 0.08 29.32 6.47 0.95 0.00 0.00 0.22 0.00 0.00 3.49

90.40 72.78 55.18 46.94 39.27 37.31 34.31 31.44 32.34 31.20 29.70 29.68 28.63 27.41 26.32 24.43 23.07 22.54 20.89 20.72

20.72

Page 186 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 15 - KALIMANTAN TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,226 1,900 2,330 1,143 1,238 575 443 338 211 129 98 145 104 126 115 133 120 71 115 14 11,574

2,226 4,126 6,456 7,599 8,837 9,412 9,855 10,193 10,404 10,533 10,631 10,776 10,880 11,006 11,121 11,254 11,374 11,445 11,560 11,574

19.23 19.23 16.42 35.65 20.13 55.78 9.88 65.66 10.70 76.35 4.97 81.32 3.83 85.15 2.92 88.07 1.82 89.89 1.11 91.01 0.85 91.85 1.25 93.11 0.90 94.00 1.09 95.09 0.99 96.09 1.15 97.24 1.04 98.27 0.61 98.89 0.99 99.88 0.12 100.00

446.91 376.64 920.93 771.97 1,225.89 916.37 781.36 793.24 656.04 487.51 309.68 522.36 472.48 540.38 707.19 1,292.71 1,547.03 774.26 1,675.28 175.49 15,393.71

446.91 823.54 1,744.47 2,516.44 3,742.33 4,658.70 5,440.05 6,233.30 6,889.33 7,376.84 7,686.52 8,208.89 8,681.37 9,221.75 9,928.94 11,221.66 12,768.68 13,542.95 15,218.22 15,393.71

2.90 2.90 2.45 5.35 5.98 11.33 5.01 16.35 7.96 24.31 5.95 30.26 5.08 35.34 5.15 40.49 4.26 44.75 3.17 47.92 2.01 49.93 3.39 53.33 3.07 56.40 3.51 59.91 4.59 64.50 8.40 72.90 10.05 82.95 5.03 87.98 10.88 98.86 1.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 4 4 7 1 3 0 0 4 0 0 0 0 2 5 2 25 2 10 2 83

12 16 20 27 28 31 31 31 35 35 35 35 35 37 42 44 69 71 81 83

14.46 14.46 4.82 19.28 4.82 24.10 8.43 32.53 1.20 33.73 3.61 37.35 0.00 37.35 0.00 37.35 4.82 42.17 0.00 42.17 0.00 42.17 0.00 42.17 0.00 42.17 2.41 44.58 6.02 50.60 2.41 53.01 30.12 83.13 2.41 85.54 12.05 97.59 2.41 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 249.41 135.28 219.93 216.27 0.00 122.45 0.00 0.00 68.71 0.00 0.00 0.00 0.00 29.78 18.71 9.27 749.72 9.27 1,299.70 993.99 4,122.48

249.41 384.69 604.62 820.89 820.89 943.34 943.34 943.34 1,012.05 1,012.05 1,012.05 1,012.05 1,012.05 1,041.83 1,060.53 1,069.80 1,819.52 1,828.79 3,128.49 4,122.48

6.05 6.05 55.81 3.28 9.33 35.92 5.33 14.67 23.88 5.25 19.91 28.02 0.00 19.91 0.00 2.97 22.88 13.36 0.00 22.88 0.00 0.00 22.88 0.00 1.67 24.55 10.47 0.00 24.55 0.00 0.00 24.55 0.00 0.00 24.55 0.00 0.00 24.55 0.00 0.72 25.27 5.51 0.45 25.73 2.65 0.22 25.95 0.72 18.19 44.14 48.46 0.22 44.36 1.20 31.53 75.89 77.58 24.11 100.00 566.41

55.81 46.71 34.66 32.62 21.94 20.25 17.34 15.13 14.69 13.72 13.17 12.33 11.66 11.30 10.68 9.53 14.25 13.50 20.56 26.78

26.78

Page 187 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 16 - KALIMANTAN SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,450 3,370 4,471 2,221 2,142 1,082 692 644 369 276 216 233 237 303 202 325 216 135 120 54 20,758

3,450 6,820 11,291 13,512 15,654 16,736 17,428 18,072 18,441 18,717 18,933 19,166 19,403 19,706 19,908 20,233 20,449 20,584 20,704 20,758

16.62 16.62 16.23 32.85 21.54 54.39 10.70 65.09 10.32 75.41 5.21 80.62 3.33 83.96 3.10 87.06 1.78 88.84 1.33 90.17 1.04 91.21 1.12 92.33 1.14 93.47 1.46 94.93 0.97 95.91 1.57 97.47 1.04 98.51 0.65 99.16 0.58 99.74 0.26 100.00

2,434.83 450.24 1,079.16 932.78 1,627.61 1,279.99 1,109.17 1,301.39 946.53 753.94 629.27 866.82 821.27 1,373.40 1,144.89 2,464.15 2,359.02 1,837.65 2,218.96 3,711.21 29,342.27

2,434.83 2,885.07 3,964.23 4,897.01 6,524.62 7,804.61 8,913.77 10,215.16 11,161.70 11,915.64 12,544.90 13,411.72 14,232.99 15,606.39 16,751.28 19,215.43 21,574.45 23,412.10 25,631.06 29,342.27

8.30 8.30 1.53 9.83 3.68 13.51 3.18 16.69 5.55 22.24 4.36 26.60 3.78 30.38 4.44 34.81 3.23 38.04 2.57 40.61 2.14 42.75 2.95 45.71 2.80 48.51 4.68 53.19 3.90 57.09 8.40 65.49 8.04 73.53 6.26 79.79 7.56 87.35 12.65 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 0 6 6 10 6 0 0 6 0 0 2 4 0 0 7 4 4 0 4 70

11 11 17 23 33 39 39 39 45 45 45 47 51 51 51 58 62 66 66 70

15.71 15.71 0.00 15.71 8.57 24.29 8.57 32.86 14.29 47.14 8.57 55.71 0.00 55.71 0.00 55.71 8.57 64.29 0.00 64.29 0.00 64.29 2.86 67.14 5.71 72.86 0.00 72.86 0.00 72.86 10.00 82.86 5.71 88.57 5.71 94.29 0.00 94.29 5.71 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 520.86 0.00 226.62 59.38 430.23 728.47 0.00 0.00 252.42 0.00 0.00 0.80 68.47 0.00 0.00 1,566.35 0.43 3.12 0.00 5.89 3,863.04

520.86 520.86 747.49 806.86 1,237.10 1,965.57 1,965.57 1,965.57 2,217.99 2,217.99 2,217.99 2,218.79 2,287.26 2,287.26 2,287.26 3,853.60 3,854.03 3,857.15 3,857.15 3,863.04

13.48 13.48 0.00 13.48 5.87 19.35 1.54 20.89 11.14 32.02 18.86 50.88 0.00 50.88 0.00 50.88 6.53 57.42 0.00 57.42 0.00 57.42 0.02 57.44 1.77 59.21 0.00 59.21 0.00 59.21 40.55 99.76 0.01 99.77 0.08 99.85 0.00 99.85 0.15 100.00

21.39 0.00 21.00 6.37 26.43 56.91 0.00 0.00 26.67 0.00 0.00 0.09 8.34 0.00 0.00 63.57 0.02 0.17 0.00 0.16

21.39 18.05 18.86 16.48 18.96 25.18 22.05 19.24 19.87 18.61 17.68 16.54 16.07 14.66 13.65 20.05 17.86 16.48 15.05 13.17

13.17

Page 188 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 17 - KALIMANTAN TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,480 3,322 5,284 3,730 4,382 2,443 1,811 1,633 959 608 471 583 539 646 424 680 553 214 260 112 32,134

3,480 6,802 12,086 15,816 20,198 22,641 24,452 26,085 27,044 27,652 28,123 28,706 29,245 29,891 30,315 30,995 31,548 31,762 32,022 32,134

10.83 10.83 10.34 21.17 16.44 37.61 11.61 49.22 13.64 62.86 7.60 70.46 5.64 76.09 5.08 81.18 2.98 84.16 1.89 86.05 1.47 87.52 1.81 89.33 1.68 91.01 2.01 93.02 1.32 94.34 2.12 96.46 1.72 98.18 0.67 98.84 0.81 99.65 0.35 100.00

2,477.77 759.58 1,933.56 2,039.91 4,331.01 3,269.87 3,527.81 3,736.61 2,893.36 1,901.53 1,564.68 1,888.45 2,232.55 3,027.68 2,725.08 5,514.08 5,806.40 2,522.33 7,486.63 3,544.62 63,183.48

2,477.77 3,237.34 5,170.91 7,210.82 11,541.83 14,811.70 18,339.51 22,076.11 24,969.47 26,871.00 28,435.68 30,324.13 32,556.68 35,584.36 38,309.43 43,823.51 49,629.91 52,152.23 59,638.86 63,183.48

3.92 3.92 1.20 5.12 3.06 8.18 3.23 11.41 6.85 18.27 5.18 23.44 5.58 29.03 5.91 34.94 4.58 39.52 3.01 42.53 2.48 45.00 2.99 47.99 3.53 51.53 4.79 56.32 4.31 60.63 8.73 69.36 9.19 78.55 3.99 82.54 11.85 94.39 5.61 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 9 17 9 10 9 4 9 0 0 9 2 13 3 4 5 3 0 14 13 141

8 17 34 43 53 62 66 75 75 75 84 86 99 102 106 111 114 114 128 141

5.67 5.67 6.38 12.06 12.06 24.11 6.38 30.50 7.09 37.59 6.38 43.97 2.84 46.81 6.38 53.19 0.00 53.19 0.00 53.19 6.38 59.57 1.42 60.99 9.22 70.21 2.13 72.34 2.84 75.18 3.55 78.72 2.13 80.85 0.00 80.85 9.93 90.78 9.22 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

1,336.13 196.64 28,623.30 431.53 634.00 877.31 130.56 880.68 0.00 0.00 2,006.87 240.31 734.40 750.93 13.48 33.92 39.36 0.00 431.90 291.26

53.92 25.89 1,480.34 21.15 14.64 26.83 3.70 23.57 0.00 0.00 128.26 12.73 32.90 24.80 0.49 0.62 0.68 0.00 5.77 8.22

37,652.57

1,336.13 1,532.77 30,156.07 30,587.60 31,221.60 32,098.91 32,229.47 33,110.15 33,110.15 33,110.15 35,117.02 35,357.33 36,091.73 36,842.66 36,856.14 36,890.05 36,929.41 36,929.41 37,361.31 37,652.57

3.55 3.55 0.52 4.07 76.02 80.09 1.15 81.24 1.68 82.92 2.33 85.25 0.35 85.60 2.34 87.94 0.00 87.94 0.00 87.94 5.33 93.27 0.64 93.90 1.95 95.85 1.99 97.85 0.04 97.88 0.09 97.97 0.10 98.08 0.00 98.08 1.15 99.23 0.77 100.00

53.92 47.35 583.19 424.19 270.51 216.71 175.74 149.98 132.60 123.22 123.50 116.60 110.86 103.54 96.21 84.18 74.41 70.81 62.65 59.59

59.59

Page 189 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 18 - SULAWESI UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,882 2,129 3,293 2,330 2,403 1,276 962 843 511 259 233 268 158 216 139 204 152 38 64 15 17,375

1,882 4,011 7,304 9,634 12,037 13,313 14,275 15,118 15,629 15,888 16,121 16,389 16,547 16,763 16,902 17,106 17,258 17,296 17,360 17,375

10.83 10.83 12.25 23.08 18.95 42.04 13.41 55.45 13.83 69.28 7.34 76.62 5.54 82.16 4.85 87.01 2.94 89.95 1.49 91.44 1.34 92.78 1.54 94.33 0.91 95.23 1.24 96.48 0.80 97.28 1.17 98.45 0.87 99.33 0.22 99.55 0.37 99.91 0.09 100.00

1,075.56 342.19 943.34 1,047.33 1,830.92 1,650.11 1,747.29 2,184.46 1,702.30 1,086.57 1,068.79 1,403.50 845.69 1,422.47 1,439.99 2,404.08 1,823.78 568.74 682.12 349.81 25,619.02

1,075.56 1,417.74 2,361.08 3,408.41 5,239.33 6,889.44 8,636.74 10,821.20 12,523.49 13,610.06 14,678.85 16,082.35 16,928.04 18,350.51 19,790.50 22,194.58 24,018.35 24,587.09 25,269.21 25,619.02

4.20 4.20 1.34 5.53 3.68 9.22 4.09 13.30 7.15 20.45 6.44 26.89 6.82 33.71 8.53 42.24 6.64 48.88 4.24 53.12 4.17 57.30 5.48 62.78 3.30 66.08 5.55 71.63 5.62 77.25 9.38 86.63 7.12 93.75 2.22 95.97 2.66 98.63 1.37 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 4 10 9 10 3 4 6 0 0 0 0 0 0 0 0 2 0 0 54

4 6 10 20 29 39 42 46 52 52 52 52 52 52 52 52 52 54 54 54

7.41 7.41 3.70 11.11 7.41 18.52 18.52 37.04 16.67 53.70 18.52 72.22 5.56 77.78 7.41 85.19 11.11 96.30 0.00 96.30 0.00 96.30 0.00 96.30 0.00 96.30 0.00 96.30 0.00 96.30 0.00 96.30 0.00 96.30 3.70 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,602.07 66.25 357.34 511.67 558.81 574.58 53.10 885.82 769.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.40 0.00 0.00 6,385.00

2,602.07 2,668.32 3,025.67 3,537.33 4,096.15 4,670.73 4,723.83 5,609.65 6,379.60 6,379.60 6,379.60 6,379.60 6,379.60 6,379.60 6,379.60 6,379.60 6,379.60 6,385.00 6,385.00 6,385.00

40.75 40.75 241.93 241.93 1.04 41.79 19.36 188.21 5.60 47.39 37.88 128.15 8.01 55.40 48.85 103.78 8.75 64.15 30.52 78.18 9.00 73.15 34.82 67.80 0.83 73.98 3.04 54.69 13.87 87.86 40.55 51.84 12.06 99.92 45.23 50.94 0.00 99.92 0.00 46.87 0.00 99.92 0.00 43.46 0.00 99.92 0.00 39.67 0.00 99.92 0.00 37.69 0.00 99.92 0.00 34.77 0.00 99.92 0.00 32.24 0.00 99.92 0.00 28.74 0.00 99.92 0.00 26.56 0.08 100.00 0.95 25.97 0.00 100.00 0.00 25.27 0.00 100.00 0.00 24.92 24.92

Page 190 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 19 - SULAWESI TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,587 1,119 1,334 892 980 503 289 244 174 73 83 102 43 67 49 51 50 14 24 0 7,678

1,587 2,706 4,040 4,932 5,912 6,415 6,704 6,948 7,122 7,195 7,278 7,380 7,423 7,490 7,539 7,590 7,640 7,654 7,678 7,678

20.67 20.67 14.57 35.24 17.37 52.62 11.62 64.24 12.76 77.00 6.55 83.55 3.76 87.31 3.18 90.49 2.27 92.76 0.95 93.71 1.08 94.79 1.33 96.12 0.56 96.68 0.87 97.55 0.64 98.19 0.66 98.85 0.65 99.51 0.18 99.69 0.31 100.00 0.00 100.00

513.05 233.85 511.85 594.38 1,058.29 987.76 873.30 748.05 655.04 441.27 455.22 427.07 280.05 424.94 456.13 457.98 462.78 133.90 245.50 0.00 9,960.40

513.05 746.90 1,258.74 1,853.12 2,911.41 3,899.18 4,772.48 5,520.52 6,175.56 6,616.83 7,072.06 7,499.13 7,779.18 8,204.12 8,660.25 9,118.23 9,581.01 9,714.91 9,960.40 9,960.40

5.15 5.15 2.35 7.50 5.14 12.64 5.97 18.60 10.62 29.23 9.92 39.15 8.77 47.91 7.51 55.42 6.58 62.00 4.43 66.43 4.57 71.00 4.29 75.29 2.81 78.10 4.27 82.37 4.58 86.95 4.60 91.54 4.65 96.19 1.34 97.54 2.46 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 2 0 0 0 0 0 2 0 0 2 0 0 0 5 0 0 0 0 0 13

2 4 4 4 4 4 4 6 6 6 8 8 8 8 13 13 13 13 13 13

15.38 15.38 0.00 0.00 0.00 0.00 0.00 15.38 0.00 0.00 15.38 0.00 0.00 0.00 38.46 0.00 0.00 0.00 0.00 0.00

15.38 30.77 30.77 30.77 30.77 30.77 30.77 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

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 49.09 4.24 0.00 0.00 0.00 0.00 0.00 12.07 0.00 0.00 18.56 0.00 0.00 0.00 4,226.34 0.00 0.00 0.00 0.00 0.00 4,310.29

49.09 53.32 53.32 53.32 53.32 53.32 53.32 65.40 65.40 65.40 83.95 83.95 83.95 83.95 4,310.29 4,310.29 4,310.29 4,310.29 4,310.29 4,310.29

1.14 0.10 0.00 0.00 0.00 0.00 0.00 0.28 0.00 0.00 0.43 0.00 0.00 0.00 98.05 0.00 0.00 0.00 0.00 0.00

1.14 9.57 1.24 1.81 1.24 0.00 1.24 0.00 1.24 0.00 1.24 0.00 1.24 0.00 1.52 1.61 1.52 0.00 1.52 0.00 1.95 4.08 1.95 0.00 1.95 0.00 1.95 0.00 100.00 926.57 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

9.57 7.14 4.24 2.88 1.83 1.37 1.12 1.18 1.06 0.99 1.19 1.12 1.08 1.02 49.77 47.27 44.99 44.37 43.27 43.27

43.27

Page 191 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 20 - SULAWESI SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,223 6,613 9,584 5,340 5,573 2,896 1,658 1,556 815 484 417 453 347 480 266 451 322 130 127 46 43,781

6,223 12,836 22,420 27,760 33,333 36,229 37,887 39,443 40,258 40,742 41,159 41,612 41,959 42,439 42,705 43,156 43,478 43,608 43,735 43,781

14.21 14.21 15.10 29.32 21.89 51.21 12.20 63.41 12.73 76.14 6.61 82.75 3.79 86.54 3.55 90.09 1.86 91.95 1.11 93.06 0.95 94.01 1.03 95.05 0.79 95.84 1.10 96.93 0.61 97.54 1.03 98.57 0.74 99.31 0.30 99.60 0.29 99.89 0.11 100.00

2,441.23 790.88 2,048.07 2,243.03 4,371.99 3,533.43 3,005.18 3,512.79 2,469.68 1,711.73 1,572.99 1,992.36 1,707.86 2,905.32 1,724.63 4,568.36 3,171.75 1,790.63 2,004.07 6,872.88 54,438.85

2,441.23 3,232.11 5,280.18 7,523.21 11,895.20 15,428.63 18,433.81 21,946.59 24,416.27 26,128.00 27,700.99 29,693.35 31,401.21 34,306.53 36,031.16 40,599.52 43,771.27 45,561.90 47,565.97 54,438.85

4.48 4.48 1.45 5.94 3.76 9.70 4.12 13.82 8.03 21.85 6.49 28.34 5.52 33.86 6.45 40.31 4.54 44.85 3.14 48.00 2.89 50.88 3.66 54.54 3.14 57.68 5.34 63.02 3.17 66.19 8.39 74.58 5.83 80.40 3.29 83.69 3.68 87.38 12.62 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 14 6 9 2 7 3 3 2 4 0 0 0 3 8 4 6 2 2 21 9 105

14 20 29 31 38 41 44 46 50 50 50 50 53 61 65 71 73 75 96 105

13.33 13.33 5.71 19.05 8.57 27.62 1.90 29.52 6.67 36.19 2.86 39.05 2.86 41.90 1.90 43.81 3.81 47.62 0.00 47.62 0.00 47.62 0.00 47.62 2.86 50.48 7.62 58.10 3.81 61.90 5.71 67.62 1.90 69.52 1.90 71.43 20.00 91.43 8.57 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4,364.22 166.50 451.64 10.12 145.12 101.52 114.11 2.55 102.50 0.00 0.00 0.00 436.70 837.11 23.75 19.73 8.69 255.69 1,374.78 631.24 9,045.97

4,364.22 4,530.72 4,982.36 4,992.48 5,137.60 5,239.12 5,353.23 5,355.78 5,458.28 5,458.28 5,458.28 5,458.28 5,894.98 6,732.09 6,755.85 6,775.57 6,784.26 7,039.95 8,414.72 9,045.97

48.24 48.24 178.77 178.77 1.84 50.09 21.05 140.18 4.99 55.08 22.05 94.36 0.11 55.19 0.45 66.36 1.60 56.79 3.32 43.19 1.12 57.92 2.87 33.96 1.26 59.18 3.80 29.04 0.03 59.21 0.07 24.40 1.13 60.34 4.15 22.36 0.00 60.34 0.00 20.89 0.00 60.34 0.00 19.70 0.00 60.34 0.00 18.38 4.83 65.17 25.57 18.77 9.25 74.42 28.81 19.62 0.26 74.68 1.38 18.75 0.22 74.90 0.43 16.69 0.10 75.00 0.27 15.50 2.83 77.82 14.28 15.45 15.20 93.02 68.60 17.69 6.98 100.00 9.18 16.62 16.62

Page 192 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 21 - SULAWESI TENGGARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 727 785 1,140 747 922 555 319 236 131 42 43 53 37 61 13 37 31 5 10 3 5,897

727 1,512 2,652 3,399 4,321 4,876 5,195 5,431 5,562 5,604 5,647 5,700 5,737 5,798 5,811 5,848 5,879 5,884 5,894 5,897

12.33 12.33 13.31 25.64 19.33 44.97 12.67 57.64 15.64 73.27 9.41 82.69 5.41 88.10 4.00 92.10 2.22 94.32 0.71 95.03 0.73 95.76 0.90 96.66 0.63 97.29 1.03 98.32 0.22 98.54 0.63 99.17 0.53 99.69 0.08 99.78 0.17 99.95 0.05 100.00

238.69 128.88 301.05 352.79 868.59 875.58 729.76 653.34 470.19 177.06 245.06 420.47 263.66 389.82 136.79 341.38 482.05 66.08 72.57 69.00 7,282.80

238.69 367.57 668.61 1,021.40 1,889.99 2,765.57 3,495.33 4,148.67 4,618.87 4,795.92 5,040.98 5,461.45 5,725.10 6,114.93 6,251.72 6,593.10 7,075.16 7,141.23 7,213.80 7,282.80

3.28 3.28 1.77 5.05 4.13 9.18 4.84 14.02 11.93 25.95 12.02 37.97 10.02 47.99 8.97 56.97 6.46 63.42 2.43 65.85 3.36 69.22 5.77 74.99 3.62 78.61 5.35 83.96 1.88 85.84 4.69 90.53 6.62 97.15 0.91 98.06 1.00 99.05 0.95 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 0 0 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 6

0 0 2 2 2 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6

0.00 0.00 33.33 0.00 0.00 33.33 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 33.33 33.33 33.33 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 101.37 0.00 0.00 0.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 102.37

0.00 0.00 101.37 101.37 101.37 101.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37

0.00 0.00 99.02 0.00 0.00 0.00 0.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 99.02 99.02 99.02 99.02 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 33.67 0.00 0.00 0.00 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 15.16 9.92 5.36 3.67 2.93 2.47 2.22 2.13 2.03 1.87 1.79 1.67 1.64 1.55 1.45 1.43 1.42 1.41

1.41

Page 193 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 22 - BALI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,025 4,011 5,210 3,138 4,095 2,560 2,387 2,213 1,459 991 716 901 584 720 460 613 568 193 215 131 37,190

6,025 10,036 15,246 18,384 22,479 25,039 27,426 29,639 31,098 32,089 32,805 33,706 34,290 35,010 35,470 36,083 36,651 36,844 37,059 37,190

16.20 16.20 10.79 26.99 14.01 40.99 8.44 49.43 11.01 60.44 6.88 67.33 6.42 73.75 5.95 79.70 3.92 83.62 2.66 86.28 1.93 88.21 2.42 90.63 1.57 92.20 1.94 94.14 1.24 95.38 1.65 97.02 1.53 98.55 0.52 99.07 0.58 99.65 0.35 100.00

4,256.31 524.03 1,417.98 1,291.82 3,119.51 2,770.24 3,705.19 4,555.29 4,210.94 3,485.46 2,993.95 4,205.69 3,184.24 5,011.72 3,504.73 6,464.07 7,168.88 2,471.86 2,920.49 1,083.18 68,345.59

4,256.31 4,780.34 6,198.32 7,490.14 10,609.66 13,379.90 17,085.09 21,640.38 25,851.32 29,336.78 32,330.74 36,536.42 39,720.66 44,732.38 48,237.12 54,701.19 61,870.07 64,341.92 67,262.42 68,345.59

6.23 6.23 0.77 6.99 2.07 9.07 1.89 10.96 4.56 15.52 4.05 19.58 5.42 25.00 6.67 31.66 6.16 37.82 5.10 42.92 4.38 47.30 6.15 53.46 4.66 58.12 7.33 65.45 5.13 70.58 9.46 80.04 10.49 90.53 3.62 94.14 4.27 98.42 1.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 29 0 8 8 20 4 8 12 8 14 19 20 4 31 5 21 31 13 11 6 272

29 29 37 45 65 69 77 89 97 111 130 150 154 185 190 211 242 255 266 272

10.66 10.66 0.00 10.66 2.94 13.60 2.94 16.54 7.35 23.90 1.47 25.37 2.94 28.31 4.41 32.72 2.94 35.66 5.15 40.81 6.99 47.79 7.35 55.15 1.47 56.62 11.40 68.01 1.84 69.85 7.72 77.57 11.40 88.97 4.78 93.75 4.04 97.79 2.21 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5,467.63 0.00 48.49 44.17 74.75 53.55 90.06 150.72 80.76 815.97 1,221.39 515.56 72.68 520.10 2.97 1,764.17 666.15 415.52 192.43 352.99 12,550.05

5,467.63 5,467.63 5,516.12 5,560.29 5,635.05 5,688.60 5,778.66 5,929.38 6,010.13 6,826.10 8,047.49 8,563.05 8,635.73 9,155.83 9,158.80 10,922.97 11,589.12 12,004.64 12,197.07 12,550.05

43.57 43.57 128.46 128.46 0.00 43.57 0.00 114.38 0.39 43.95 3.42 88.99 0.35 44.30 3.42 74.23 0.60 44.90 2.40 53.11 0.43 45.33 1.93 42.52 0.72 46.04 2.43 33.82 1.20 47.25 3.31 27.40 0.64 47.89 1.92 23.25 6.50 54.39 23.41 23.27 9.73 64.12 40.80 24.89 4.11 68.23 12.26 23.44 0.58 68.81 2.28 21.74 4.14 72.95 10.38 20.47 0.02 72.98 0.08 18.99 14.06 87.04 27.29 19.97 5.31 92.34 9.29 18.73 3.31 95.65 16.81 18.66 1.53 97.19 6.59 18.13 2.81 100.00 32.59 18.36 18.36

Page 194 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 23 - NUSA TENGGARA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,470 1,761 2,294 1,114 1,508 680 401 372 215 151 134 160 136 126 67 92 68 26 32 6 10,813

1,470 3,231 5,525 6,639 8,147 8,827 9,228 9,600 9,815 9,966 10,100 10,260 10,396 10,522 10,589 10,681 10,749 10,775 10,807 10,813

13.59 13.59 16.29 29.88 21.22 51.10 10.30 61.40 13.95 75.34 6.29 81.63 3.71 85.34 3.44 88.78 1.99 90.77 1.40 92.17 1.24 93.41 1.48 94.89 1.26 96.14 1.17 97.31 0.62 97.93 0.85 98.78 0.63 99.41 0.24 99.65 0.30 99.94 0.06 100.00

653.84 294.36 693.90 672.31 1,071.03 874.43 679.12 836.41 663.68 557.24 528.66 620.52 668.47 669.74 333.79 1,086.39 761.49 285.60 324.17 214.29 12,489.43

653.84 948.20 1,642.10 2,314.41 3,385.44 4,259.87 4,938.98 5,775.39 6,439.07 6,996.31 7,524.97 8,145.49 8,813.96 9,483.69 9,817.49 10,903.88 11,665.37 11,950.97 12,275.14 12,489.43

5.24 5.24 2.36 7.59 5.56 13.15 5.38 18.53 8.58 27.11 7.00 34.11 5.44 39.55 6.70 46.24 5.31 51.56 4.46 56.02 4.23 60.25 4.97 65.22 5.35 70.57 5.36 75.93 2.67 78.61 8.70 87.30 6.10 93.40 2.29 95.69 2.60 98.28 1.72 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 3 0 1 0 3 1 0 5 2 0 0 5 2 0 2 0 2 0 0 31

5 8 8 9 9 12 13 13 18 20 20 20 25 27 27 29 29 31 31 31

16.13 16.13 9.68 25.81 0.00 25.81 3.23 29.03 0.00 29.03 9.68 38.71 3.23 41.94 0.00 41.94 16.13 58.06 6.45 64.52 0.00 64.52 0.00 64.52 16.13 80.65 6.45 87.10 0.00 87.10 6.45 93.55 0.00 93.55 6.45 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 327.91 53.02 0.00 0.00 0.00 11.33 0.00 0.00 22.66 43.90 0.00 0.00 117.12 31.81 0.00 835.00 0.00 36.50 0.00 0.00 1,479.24

327.91 380.93 380.93 380.93 380.93 392.26 392.26 392.26 414.92 458.81 458.81 458.81 575.93 607.74 607.74 1,442.74 1,442.74 1,479.24 1,479.24 1,479.24

22.17 22.17 3.58 25.75 0.00 25.75 0.00 25.75 0.00 25.75 0.77 26.52 0.00 26.52 0.00 26.52 1.53 28.05 2.97 31.02 0.00 31.02 0.00 31.02 7.92 38.93 2.15 41.08 0.00 41.08 56.45 97.53 0.00 97.53 2.47 100.00 0.00 100.00 0.00 100.00

50.15 18.01 0.00 0.00 0.00 1.30 0.00 0.00 3.41 7.88 0.00 0.00 17.52 4.75 0.00 76.86 0.00 12.78 0.00 0.00

50.15 40.17 23.20 16.46 11.25 9.21 7.94 6.79 6.44 6.56 6.10 5.63 6.53 6.41 6.19 13.23 12.37 12.38 12.05 11.84

11.84

Page 195 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 819 1,047 1,698 960 1,110 599 422 387 222 117 70 89 60 97 31 61 31 16 14 4 7,854

819 1,866 3,564 4,524 5,634 6,233 6,655 7,042 7,264 7,381 7,451 7,540 7,600 7,697 7,728 7,789 7,820 7,836 7,850 7,854

10.43 10.43 13.33 23.76 21.62 45.38 12.22 57.60 14.13 71.73 7.63 79.36 5.37 84.73 4.93 89.66 2.83 92.49 1.49 93.98 0.89 94.87 1.13 96.00 0.76 96.77 1.24 98.00 0.39 98.40 0.78 99.17 0.39 99.57 0.20 99.77 0.18 99.95 0.05 100.00

304.02 147.69 397.22 448.08 903.44 850.74 888.47 1,185.90 874.44 533.12 377.04 453.68 382.28 728.63 297.72 507.29 342.39 321.97 146.30 44.00 10,134.41

304.02 451.71 848.93 1,297.02 2,200.46 3,051.20 3,939.66 5,125.56 6,000.00 6,533.12 6,910.16 7,363.84 7,746.12 8,474.75 8,772.47 9,279.76 9,622.14 9,944.12 10,090.42 10,134.41

3.00 3.00 1.46 4.46 3.92 8.38 4.42 12.80 8.91 21.71 8.39 30.11 8.77 38.87 11.70 50.58 8.63 59.20 5.26 64.46 3.72 68.19 4.48 72.66 3.77 76.43 7.19 83.62 2.94 86.56 5.01 91.57 3.38 94.95 3.18 98.12 1.44 99.57 0.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 1 2 0 0 0 0 0 0 0 0 4 0 0 0 0 7

0 0 0 0 0 1 3 3 3 3 3 3 3 3 3 7 7 7 7 7

0.00 0.00 0.00 0.00 0.00 14.29 28.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 57.14 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 14.29 42.86 42.86 42.86 42.86 42.86 42.86 42.86 42.86 42.86 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 194.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.98 0.00 0.00 0.00 0.00 228.60

0.00 0.00 0.00 0.00 0.00 0.00 194.62 194.62 194.62 194.62 194.62 194.62 194.62 194.62 194.62 228.60 228.60 228.60 228.60 228.60

0.00 0.00 0.00 0.00 0.00 0.00 85.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.87 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 85.13 85.13 85.13 85.13 85.13 85.13 85.13 85.13 85.13 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 21.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.70 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 4.94 3.80 3.24 2.98 2.82 2.64 2.51 2.30 2.22 2.46 2.38 2.30 2.27 2.26

2.26

Page 196 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 25 - MALUKU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 345 477 758 436 485 310 174 183 100 60 57 57 40 52 51 61 42 19 9 5 3,721

345 822 1,580 2,016 2,501 2,811 2,985 3,168 3,268 3,328 3,385 3,442 3,482 3,534 3,585 3,646 3,688 3,707 3,716 3,721

9.27 9.27 12.82 22.09 20.37 42.46 11.72 54.18 13.03 67.21 8.33 75.54 4.68 80.22 4.92 85.14 2.69 87.83 1.61 89.44 1.53 90.97 1.53 92.50 1.07 93.58 1.40 94.97 1.37 96.35 1.64 97.98 1.13 99.11 0.51 99.62 0.24 99.87 0.13 100.00

549.99 92.20 256.00 253.12 451.58 497.42 472.30 634.47 447.58 319.67 297.29 339.53 237.41 390.80 421.87 683.11 510.67 229.43 53.39 49.36 7,187.21

549.99 642.19 898.20 1,151.32 1,602.90 2,100.32 2,572.62 3,207.09 3,654.67 3,974.33 4,271.63 4,611.15 4,848.57 5,239.37 5,661.24 6,344.35 6,855.03 7,084.46 7,137.85 7,187.21

7.65 7.65 1.28 8.94 3.56 12.50 3.52 16.02 6.28 22.30 6.92 29.22 6.57 35.79 8.83 44.62 6.23 50.85 4.45 55.30 4.14 59.43 4.72 64.16 3.30 67.46 5.44 72.90 5.87 78.77 9.50 88.27 7.11 95.38 3.19 98.57 0.74 99.31 0.69 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 4 4 0 0 0 2 0 0 0 0 0 3 0 0 0 0 0 0 0 17

4 8 12 12 12 12 14 14 14 14 14 14 17 17 17 17 17 17 17 17

23.53 23.53 23.53 0.00 0.00 0.00 11.76 0.00 0.00 0.00 0.00 0.00 17.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00

23.53 47.06 70.59 70.59 70.59 70.59 82.35 82.35 82.35 82.35 82.35 82.35 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 831.92 10.61 203.97 0.00 0.00 0.00 266.51 0.00 0.00 0.00 0.00 0.00 659.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,972.39

831.92 842.53 1,046.50 1,046.50 1,046.50 1,046.50 1,313.02 1,313.02 1,313.02 1,313.02 1,313.02 1,313.02 1,972.39 1,972.39 1,972.39 1,972.39 1,972.39 1,972.39 1,972.39 1,972.39

42.18 0.54 10.34 0.00 0.00 0.00 13.51 0.00 0.00 0.00 0.00 0.00 33.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00

42.18 151.26 151.26 42.72 11.51 131.20 53.06 79.67 116.51 53.06 0.00 90.90 53.06 0.00 65.29 53.06 0.00 49.83 66.57 56.43 51.04 66.57 0.00 40.94 66.57 0.00 35.93 66.57 0.00 33.04 66.57 0.00 30.74 66.57 0.00 28.47 100.00 277.73 40.68 100.00 0.00 37.65 100.00 0.00 34.84 100.00 0.00 31.09 100.00 0.00 28.77 100.00 0.00 27.84 100.00 0.00 27.63 100.00 0.00 27.44 27.44

Page 197 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 26 - IRIAN JAYA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,136 991 1,682 1,314 1,564 864 600 459 305 174 129 159 82 99 55 86 52 28 13 4 9,796

1,136 2,127 3,809 5,123 6,687 7,551 8,151 8,610 8,915 9,089 9,218 9,377 9,459 9,558 9,613 9,699 9,751 9,779 9,792 9,796

11.60 11.60 10.12 21.71 17.17 38.88 13.41 52.30 15.97 68.26 8.82 77.08 6.12 83.21 4.69 87.89 3.11 91.01 1.78 92.78 1.32 94.10 1.62 95.72 0.84 96.56 1.01 97.57 0.56 98.13 0.88 99.01 0.53 99.54 0.29 99.83 0.13 99.96 0.04 100.00

992.83 180.44 505.81 536.00 1,230.34 1,317.89 1,397.65 1,477.11 1,337.11 869.11 827.63 1,042.08 761.02 816.74 735.44 1,277.47 943.25 683.82 350.52 72.44 17,354.72

992.83 1,173.27 1,679.08 2,215.08 3,445.42 4,763.31 6,160.97 7,638.08 8,975.19 9,844.30 10,671.93 11,714.01 12,475.03 13,291.77 14,027.21 15,304.67 16,247.93 16,931.75 17,282.27 17,354.72

5.72 5.72 1.04 6.76 2.91 9.68 3.09 12.76 7.09 19.85 7.59 27.45 8.05 35.50 8.51 44.01 7.70 51.72 5.01 56.72 4.77 61.49 6.00 67.50 4.39 71.88 4.71 76.59 4.24 80.83 7.36 88.19 5.44 93.62 3.94 97.56 2.02 99.58 0.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 2 2 2 0 0 0 0 0 0 0 2 0 0 0 0 0 0 8

0 0 0 2 4 6 6 6 6 6 6 6 6 8 8 8 8 8 8 8

0.00 0.00 0.00 25.00 25.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 25.00 50.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 64.58 343.71 118.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.80 0.00 0.00 0.00 0.00 0.00 0.00 627.44

0.00 0.00 0.00 64.58 408.29 526.64 526.64 526.64 526.64 526.64 526.64 526.64 526.64 627.44 627.44 627.44 627.44 627.44 627.44 627.44

0.00 0.00 0.00 10.29 54.78 18.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.07 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 10.29 65.07 83.93 83.93 83.93 83.93 83.93 83.93 83.93 83.93 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 12.05 27.94 8.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.34 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 2.92 11.85 11.06 8.55 6.89 5.87 5.35 4.93 4.50 4.22 4.72 4.47 4.10 3.86 3.71 3.63 3.62

3.62

Page 198 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 27 - MALUKU UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 100 109 222 148 175 78 63 54 39 13 20 14 8 17 6 3 5 3 3 0 1,080

100 209 431 579 754 832 895 949 988 1,001 1,021 1,035 1,043 1,060 1,066 1,069 1,074 1,077 1,080 1,080

9.26 9.26 10.09 19.35 20.56 39.91 13.70 53.61 16.20 69.81 7.22 77.04 5.83 82.87 5.00 87.87 3.61 91.48 1.20 92.69 1.85 94.54 1.30 95.83 0.74 96.57 1.57 98.15 0.56 98.70 0.28 98.98 0.46 99.44 0.28 99.72 0.28 100.00 0.00 100.00

38.23 14.36 42.22 71.36 138.74 102.08 124.50 244.34 281.00 62.17 95.24 68.84 63.57 178.78 55.41 92.39 182.53 21.65 38.02 0.00 1,915.44

38.23 52.59 94.81 166.17 304.91 406.99 531.49 775.83 1,056.84 1,119.01 1,214.25 1,283.09 1,346.66 1,525.44 1,580.86 1,673.25 1,855.78 1,877.42 1,915.44 1,915.44

2.00 2.00 0.75 2.75 2.20 4.95 3.73 8.68 7.24 15.92 5.33 21.25 6.50 27.75 12.76 40.50 14.67 55.17 3.25 58.42 4.97 63.39 3.59 66.99 3.32 70.31 9.33 79.64 2.89 82.53 4.82 87.36 9.53 96.88 1.13 98.01 1.99 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2

2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 430.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 430.17

430.17 100.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00 430.17 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012 LOSS RATIO PERCENTAGE BAND CUM. 1,125.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,125.23 817.96 453.71 258.88 141.08 105.70 80.94 55.45 40.70 38.44 35.43 33.53 31.94 28.20 27.21 25.71 23.18 22.91 22.46 22.46

22.46

Page 199 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 28 - IRIAN JAYA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 220 424 1,066 669 660 310 254 161 101 43 50 45 35 23 14 34 7 1 2 0 4,119

220 644 1,710 2,379 3,039 3,349 3,603 3,764 3,865 3,908 3,958 4,003 4,038 4,061 4,075 4,109 4,116 4,117 4,119 4,119

5.34 5.34 10.29 15.63 25.88 41.51 16.24 57.76 16.02 73.78 7.53 81.31 6.17 87.47 3.91 91.38 2.45 93.83 1.04 94.88 1.21 96.09 1.09 97.18 0.85 98.03 0.56 98.59 0.34 98.93 0.83 99.76 0.17 99.93 0.02 99.95 0.05 100.00 0.00 100.00

184.55 48.67 175.23 187.53 365.24 296.87 393.21 400.19 295.12 160.71 212.33 251.70 196.75 241.95 118.23 603.30 148.90 36.00 70.58 0.00 4,387.06

184.55 233.22 408.45 595.98 961.22 1,258.09 1,651.30 2,051.49 2,346.61 2,507.32 2,719.65 2,971.35 3,168.10 3,410.04 3,528.28 4,131.58 4,280.48 4,316.48 4,387.06 4,387.06

4.21 4.21 1.11 5.32 3.99 9.31 4.27 13.58 8.33 21.91 6.77 28.68 8.96 37.64 9.12 46.76 6.73 53.49 3.66 57.15 4.84 61.99 5.74 67.73 4.48 72.21 5.52 77.73 2.70 80.42 13.75 94.18 3.39 97.57 0.82 98.39 1.61 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 1 0 0 0 0 0 0 0 3 0 0 5 0 0 0 0 11

2 2 2 2 3 3 3 3 3 3 3 3 6 6 6 11 11 11 11 11

18.18 0.00 0.00 0.00 9.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27.27 0.00 0.00 45.45 0.00 0.00 0.00 0.00

18.18 18.18 18.18 18.18 27.27 27.27 27.27 27.27 27.27 27.27 27.27 27.27 54.55 54.55 54.55 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 249.11 0.00 0.00 1,367.63 0.00 0.00 0.00 0.00 1,622.99

6.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25 6.25 255.36 255.36 255.36 1,622.99 1,622.99 1,622.99 1,622.99 1,622.99

0.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.35 0.00 0.00 84.27 0.00 0.00 0.00 0.00

0.39 3.39 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 15.73 126.61 15.73 0.00 15.73 0.00 100.00 226.69 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

3.39 2.68 1.53 1.05 0.65 0.50 0.38 0.30 0.27 0.25 0.23 0.21 8.06 7.49 7.24 39.28 37.92 37.60 36.99 36.99

36.99

Page 200 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 29 - BANTEN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7,837 5,782 9,049 6,287 7,510 4,348 2,895 2,381 1,394 820 683 914 619 1,019 613 1,013 1,090 567 578 225 55,624

7,837 13,619 22,668 28,955 36,465 40,813 43,708 46,089 47,483 48,303 48,986 49,900 50,519 51,538 52,151 53,164 54,254 54,821 55,399 55,624

14.09 14.09 10.39 24.48 16.27 40.75 11.30 52.05 13.50 65.56 7.82 73.37 5.20 78.58 4.28 82.86 2.51 85.36 1.47 86.84 1.23 88.07 1.64 89.71 1.11 90.82 1.83 92.65 1.10 93.76 1.82 95.58 1.96 97.54 1.02 98.56 1.04 99.60 0.40 100.00

11,297.86 820.31 2,027.03 2,372.29 4,598.34 4,023.44 4,006.63 4,558.99 3,882.01 2,620.12 2,671.99 4,214.58 3,635.47 7,377.04 5,347.42 13,203.74 14,599.16 9,018.21 14,464.69 4,339.57 119,078.89

11,297.86 12,118.17 14,145.20 16,517.49 21,115.82 25,139.26 29,145.89 33,704.88 37,586.90 40,207.01 42,879.01 47,093.58 50,729.06 58,106.10 63,453.52 76,657.26 91,256.42 100,274.63 114,739.32 119,078.89

9.49 9.49 0.69 10.18 1.70 11.88 1.99 13.87 3.86 17.73 3.38 21.11 3.36 24.48 3.83 28.30 3.26 31.56 2.20 33.77 2.24 36.01 3.54 39.55 3.05 42.60 6.20 48.80 4.49 53.29 11.09 64.38 12.26 76.64 7.57 84.21 12.15 96.36 3.64 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 47 4 3 12 9 2 4 22 7 2 29 15 27 29 16 28 47 8 19 11 341

47 51 54 66 75 77 81 103 110 112 141 156 183 212 228 256 303 311 330 341

13.78 13.78 1.17 14.96 0.88 15.84 3.52 19.35 2.64 21.99 0.59 22.58 1.17 23.75 6.45 30.21 2.05 32.26 0.59 32.84 8.50 41.35 4.40 45.75 7.92 53.67 8.50 62.17 4.69 66.86 8.21 75.07 13.78 88.86 2.35 91.20 5.57 96.77 3.23 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5,955.23 49.14 207.08 122.11 265.35 38.19 4.71 426.89 131.78 0.00 3,922.15 3,209.66 4,670.66 3,544.83 325.09 456.42 1,707.39 11,432.17 3,691.68 5,073.35 45,233.87

5,955.23 6,004.36 6,211.45 6,333.56 6,598.90 6,637.09 6,641.80 7,068.69 7,200.47 7,200.47 11,122.63 14,332.28 19,002.94 22,547.77 22,872.87 23,329.28 25,036.67 36,468.84 40,160.52 45,233.87

13.17 13.17 0.11 13.27 0.46 13.73 0.27 14.00 0.59 14.59 0.08 14.67 0.01 14.68 0.94 15.63 0.29 15.92 0.00 15.92 8.67 24.59 7.10 31.68 10.33 42.01 7.84 49.85 0.72 50.57 1.01 51.57 3.77 55.35 25.27 80.62 8.16 88.78 11.22 100.00

52.71 5.99 10.22 5.15 5.77 0.95 0.12 9.36 3.39 0.00 146.79 76.16 128.47 48.05 6.08 3.46 11.70 126.77 25.52 116.91

52.71 49.55 43.91 38.34 31.25 26.40 22.79 20.97 19.16 17.91 25.94 30.43 37.46 38.80 36.05 30.43 27.44 36.37 35.00 37.99

37.99

Page 201 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 30 - BANGKA BELITUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 534 361 544 392 412 230 158 105 97 38 34 46 18 40 26 25 25 14 22 14 3,135

534 895 1,439 1,831 2,243 2,473 2,631 2,736 2,833 2,871 2,905 2,951 2,969 3,009 3,035 3,060 3,085 3,099 3,121 3,135

17.03 17.03 11.52 28.55 17.35 45.90 12.50 58.41 13.14 71.55 7.34 78.88 5.04 83.92 3.35 87.27 3.09 90.37 1.21 91.58 1.08 92.66 1.47 94.13 0.57 94.70 1.28 95.98 0.83 96.81 0.80 97.61 0.80 98.41 0.45 98.85 0.70 99.55 0.45 100.00

213.56 31.12 130.26 133.42 224.65 224.50 271.96 233.66 201.41 120.71 100.86 168.64 113.41 277.68 246.58 171.17 239.42 105.43 270.45 93.53 3,572.40

213.56 244.67 374.94 508.36 733.01 957.51 1,229.46 1,463.12 1,664.54 1,785.24 1,886.10 2,054.74 2,168.15 2,445.83 2,692.41 2,863.57 3,102.99 3,208.42 3,478.87 3,572.40

5.98 5.98 0.87 6.85 3.65 10.50 3.73 14.23 6.29 20.52 6.28 26.80 7.61 34.42 6.54 40.96 5.64 46.59 3.38 49.97 2.82 52.80 4.72 57.52 3.17 60.69 7.77 68.46 6.90 75.37 4.79 80.16 6.70 86.86 2.95 89.81 7.57 97.38 2.62 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 2 0 0 0 0 0 0 0 2 0 0 0 0 0 2 2 0 8

0 0 0 2 2 2 2 2 2 2 2 4 4 4 4 4 4 6 8 8

0.00 0.00 0.00 0.00 0.00 0.00 25.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 25.00 50.00 0.00 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

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 15.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.45 0.00 0.00 0.00 0.00 0.00 6.00 21.20 0.00 48.66

0.00 0.00 0.00 15.00 15.00 15.00 15.00 15.00 15.00 15.00 15.00 21.45 21.45 21.45 21.45 21.45 21.45 27.45 48.66 48.66

0.00 0.00 0.00 0.00 0.00 0.00 30.83 30.83 0.00 30.83 0.00 30.83 0.00 30.83 0.00 30.83 0.00 30.83 0.00 30.83 0.00 30.83 13.26 44.09 0.00 44.09 0.00 44.09 0.00 44.09 0.00 44.09 0.00 44.09 12.33 56.42 43.58 100.00 0.00 100.00

0.00 0.00 0.00 11.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.83 0.00 0.00 0.00 0.00 0.00 5.69 7.84 0.00

0.00 0.00 0.00 2.95 2.05 1.57 1.22 1.03 0.90 0.84 0.80 1.04 0.99 0.88 0.80 0.75 0.69 0.86 1.40 1.36

1.36

Page 202 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 31 - GORONTALO

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 394 318 574 361 344 183 68 118 54 36 23 22 16 21 10 20 9 5 0 0 2,576

394 712 1,286 1,647 1,991 2,174 2,242 2,360 2,414 2,450 2,473 2,495 2,511 2,532 2,542 2,562 2,571 2,576 2,576 2,576

15.30 15.30 12.34 27.64 22.28 49.92 14.01 63.94 13.35 77.29 7.10 84.39 2.64 87.03 4.58 91.61 2.10 93.71 1.40 95.11 0.89 96.00 0.85 96.86 0.62 97.48 0.82 98.29 0.39 98.68 0.78 99.46 0.35 99.81 0.19 100.00 0.00 100.00 0.00 100.00

685.95 53.30 93.41 112.33 233.62 166.13 136.52 321.43 212.84 175.50 118.57 110.20 101.26 116.63 102.11 321.46 157.83 35.61 0.00 0.00 3,254.69

685.95 739.26 832.66 944.99 1,178.61 1,344.73 1,481.26 1,802.69 2,015.53 2,191.03 2,309.60 2,419.80 2,521.06 2,637.69 2,739.80 3,061.26 3,219.09 3,254.69 3,254.69 3,254.69

21.08 21.08 1.64 22.71 2.87 25.58 3.45 29.03 7.18 36.21 5.10 41.32 4.19 45.51 9.88 55.39 6.54 61.93 5.39 67.32 3.64 70.96 3.39 74.35 3.11 77.46 3.58 81.04 3.14 84.18 9.88 94.06 4.85 98.91 1.09 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 4

2 2 2 2 2 2 2 2 2 2 2 2 2 2 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 0.00 0.00 50.00 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 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 33.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23.00 0.00 0.00 0.00 0.00 0.00 56.00

33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 56.00 56.00 56.00 56.00 56.00 56.00

58.93 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 41.07 0.00 0.00 0.00 0.00 0.00

58.93 58.93 58.93 58.93 58.93 58.93 58.93 58.93 58.93 58.93 58.93 58.93 58.93 58.93 100.00 100.00 100.00 100.00 100.00 100.00

4.81 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 22.53 0.00 0.00 0.00 0.00 0.00

4.81 4.46 3.96 3.49 2.80 2.45 2.23 1.83 1.64 1.51 1.43 1.36 1.31 1.25 2.04 1.83 1.74 1.72 1.72 1.72

1.72

Page 203 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 32 - KEPULAUAN RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,725 1,920 3,568 2,402 2,786 1,524 861 690 343 205 163 201 136 134 86 165 120 74 104 43 17,250

1,725 3,645 7,213 9,615 12,401 13,925 14,786 15,476 15,819 16,024 16,187 16,388 16,524 16,658 16,744 16,909 17,029 17,103 17,207 17,250

10.00 10.00 11.13 21.13 20.68 41.81 13.92 55.74 16.15 71.89 8.83 80.72 4.99 85.72 4.00 89.72 1.99 91.70 1.19 92.89 0.94 93.84 1.17 95.00 0.79 95.79 0.78 96.57 0.50 97.07 0.96 98.02 0.70 98.72 0.43 99.15 0.60 99.75 0.25 100.00

1,953.02 336.52 917.88 1,223.25 2,376.71 2,033.16 1,601.74 1,778.21 1,140.19 842.08 780.84 1,163.57 938.72 1,131.59 763.21 1,789.58 1,683.66 1,212.92 1,384.60 3,439.37 28,490.81

1,953.02 2,289.55 3,207.43 4,430.68 6,807.39 8,840.55 10,442.28 12,220.49 13,360.68 14,202.76 14,983.60 16,147.17 17,085.89 18,217.48 18,980.69 20,770.27 22,453.93 23,666.84 25,051.44 28,490.81

6.85 6.85 1.18 8.04 3.22 11.26 4.29 15.55 8.34 23.89 7.14 31.03 5.62 36.65 6.24 42.89 4.00 46.89 2.96 49.85 2.74 52.59 4.08 56.68 3.29 59.97 3.97 63.94 2.68 66.62 6.28 72.90 5.91 78.81 4.26 83.07 4.86 87.93 12.07 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 4 0 0 0 2 4 2 0 2 2 2 0 4 2 0 8 0 11 2 52

7 11 11 11 11 13 17 19 19 21 23 25 25 29 31 31 39 39 50 52

13.46 13.46 7.69 21.15 0.00 21.15 0.00 21.15 0.00 21.15 3.85 25.00 7.69 32.69 3.85 36.54 0.00 36.54 3.85 40.38 3.85 44.23 3.85 48.08 0.00 48.08 7.69 55.77 3.85 59.62 0.00 59.62 15.38 75.00 0.00 75.00 21.15 96.15 3.85 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 55.30 62.71 0.00 0.00 0.00 0.00 21.59 907.18 0.00 106.91 3.10 0.60 0.00 90.42 52.78 0.00 20.53 0.00 5,776.95 0.00 7,098.08

55.30 118.01 118.01 118.01 118.01 118.01 139.60 1,046.78 1,046.78 1,153.69 1,156.78 1,157.39 1,157.39 1,247.81 1,300.59 1,300.59 1,321.13 1,321.13 7,098.08 7,098.08

0.78 0.78 2.83 0.88 1.66 18.63 0.00 1.66 0.00 0.00 1.66 0.00 0.00 1.66 0.00 0.00 1.66 0.00 0.30 1.97 1.35 12.78 14.75 51.02 0.00 14.75 0.00 1.51 16.25 12.70 0.04 16.30 0.40 0.01 16.31 0.05 0.00 16.31 0.00 1.27 17.58 7.99 0.74 18.32 6.92 0.00 18.32 0.00 0.29 18.61 1.22 0.00 18.61 0.00 81.39 100.00 417.23 0.00 100.00 0.00

2.83 5.15 3.68 2.66 1.73 1.33 1.34 8.57 7.83 8.12 7.72 7.17 6.77 6.85 6.85 6.26 5.88 5.58 28.33 24.91

24.91

Page 204 of 204

TABEL GABUNGAN – COMBINED TABLE

PT. REASURANSI INTERNASIONAL INDONESIA Jalan Salemba Raya Nomor 30, Jakarta 10430, Indonesia P.O. Box 2635 JKT 10026 Telepon : (62-21) 3920101 Fax : (62-21) 3911432 Website : http://www.reindo.co.id/bppdan/default.asp E-mail : bppdan@reindo.co.id

PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2008 - 2011 THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2008 - 2011 by CLASS OF BUSINESS Premium and Claim in million Rupiah UY 2008

CLASS OF BUSINESS

Number of

Premium

Policies

- Earthquake (EQ)

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

62,026

252,461.32

975

- Fire (FR)

863,531

1,007,506.54

5,894

- Industrial All Risk (IAR)

121,089

443,921.85

9,385

409

1,218.42

1,047,055

1,705,108.13

16,282

- Loss of Profit (LOP)

UY 2009

316,779.56

Premium

UY 2010

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

125.48

95,381

313,647.12

2,307

754,504.61

74.89

964,911

1,122,785.34

6,666

1,264,255.85

284.80

149,985

444,420.03

9,741

3,281.31

269.31

212

306.42

2,338,821.33

137.17

1,210,489

1,881,158.91

18,722

576,564.77

Premium

UY 2011

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

183.83

127,041

431,224.50

917,793.63

81.74

941,830

1,101,936.75

4,603

2,055,229.04

462.45

179,812

517,726.95

8,320

1,492.25

486.99

145

379.95

3,551,079.69

188.77

1,248,828

2,051,268.15

12,981

2,024.06

Premium

Number of

Claim

% LOSS

Claims

Incured

RATIO

0.47

142,783

602,813.14

5,250.88

0.87

815,069.81

73.97

1,076,634

1,129,940.20

2,807

299,548.16

26.51

1,697,494.31

327.87

192,371

614,879.22

3,486

387,077.68

62.95

149.61

39.38

147

281.93

2,514,737.79

122.59

1,411,935

2,347,914.49

6,392

691,876.72

29.47

Note : Data yang diterima hingga 15 Juni 2012 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 June 2012) and Claim Incured as follows) : Claim Settled

Number of

Outstanding Claims

Number of

(in Rp)

Cases

(in Rp)

Cases

Underwriting Year 2008

2,036,751,300,938.26

15,338

302,120,029,061.74

944

Underwriting Year 2009

3,516,132,524,799.37

18,002

34,947,175,200.63

720

Underwriting Year 2010

2,491,856,997,642.47

12,610

22,880,782,357.53

371

Underwriting Year 2011

604,887,715,818.16

6,173

86,989,014,181.84

219

Page 1 of 3

PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2008 - 2011 THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2008 - 2011 by OCCUPATION Premium and Claim in million Rupiah UY 2008

OCCUPATION CODE

Number of

Premium

Policies

UY 2009

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2010

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2011

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

Number of

Claim

% LOSS

Claims

Incured

RATIO

20 - Mining, Drilling Installation, Salt Mines,

1,319

11,471.97

209

286,262.95

2,495.32

1,819

14,469.29

323

230,123.07

1,590.42

2,208

8,638.28

250

49,444.77

572.39

2,317

20,101.19

19,527.52

97.15

21 - Stone, Earth, (Animal) Bones or Shells

2,105

12,127.18

206

47,972.12

395.58

3,135

14,601.94

211

114,180.00

781.95

3,073

17,878.66

159

25,274.61

141.37

3,463

22,324.85

4,192.41

18.78

22 - Metals

8,880

57,186.87

544

131,064.84

229.19

11,745

63,374.69

642

202,540.78

319.59

12,795

68,690.93

589

109,845.00

159.91

12,964

68,459.79

304

95,483.60

139.47

23 - Chemicals/Oil/Gas

11,194

86,140.65

824

157,800.72

183.19

14,264

101,972.14

977

183,851.05

180.30

14,516

110,646.00

575

122,968.73

111.14

16,979

139,824.32

334

52,442.32

37.51

24 - Textiles

15,081

76,528.57

1,089

137,586.43

179.78

17,657

83,974.95

1,230

299,596.58

356.77

17,902

86,892.55

777

221,478.07

254.89

18,838

108,416.53

332

49,789.60

45.92

25 - Paper, Leather, Rubber

10,372

77,531.61

578

186,134.44

240.08

12,342

79,664.93

676

223,313.62

280.32

12,765

92,194.53

532

107,524.54

116.63

13,602

102,075.50

275

80,691.16

79.05

7,945

78,597.76

418

113,646.17

144.59

9,127

81,148.55

430

251,000.42

309.31

9,495

91,114.17

370

156,236.62

171.47

9,710

98,142.32

143

27,380.54

27.90

28,445

95,554.45

2,208

125,418.10

131.25

37,240

115,590.11

2,012

185,775.47

160.72

35,043

134,449.30

1,284

195,170.60

145.16

42,391

176,214.18

795

89,383.99

50.72

26 - Wood, Bamboo and Rattan 27 - Nutritional, Drinks and Tobacco 28 - Power and Heating 29 - Transport and Traffic, Construction Firms,

4,970

7,564.66

106

74,376.53

983.21

1,086

9,189.99

284,108.77

3,091.50

1,234

13,366.26

74,029.16

553.85

1,686

33,747.25

7,501.88

22.23

953,653

1,175,786.69

9,978

1,073,202.69

91.28

1,096,957

1,284,877.02

11,946

1,555,166.22

121.04

1,136,043

1,386,786.54

8,188

1,443,398.91

104.08

1,284,416

1,527,790.31

4,001

263,777.28

17.27

30 - Estate Plantation Risk

215

1,829.92

6.35

0.35

564

3,045.76

2,012.26

66.07

536

8,650.34

209.22

2.42

1,078

13,784.90

107.25

0.78

31 - Estate Plantation Risk

637

14,521.60

1,101.04

7.58

1,303

16,097.84

5,997.36

37.26

1,478

19,710.73

5,851.48

29.69

1,483

25,314.54

1,044.28

4.13

32 - Recreation Place

108

4,009.66

867.98

21.65

199

4,871.08

6,507.34

133.59

259

3,661.68

1,880.38

51.35

212

5,363.58

554.90

10.35

2,131

6,247.54

3,380.97

54.12

3,051

8,280.61

6,906.76

83.41

1,481

8,588.20

1,425.69

16.60

2,796

6,355.23

1,047,055

1,705,099.13

16,282

2,338,821.33

137.17

1,210,489

1,881,158.90

18,722

3,551,079.70

188.77

1,248,828

2,051,268.17

12,981

2,514,737.78

122.59

1,411,935

2,347,914.49

6,392

40 - Non Estate Plantation

691,876.73

29.47

Note : Data yang diterima hingga 15 Juni 2012 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 June 2012) and Claim Incured as follows) : Claim Settled

Number of

(in Rp)

Cases

Underwriting Year 2008

2,036,751,300,938.26

Outstanding Claims

Number of

(in Rp)

Cases

15,338

302,120,029,061.74

944

Underwriting Year 2009

3,516,132,524,799.37

18,002

34,947,175,200.63

720

Underwriting Year 2010

2,491,856,997,642.47

12,610

22,880,782,357.53

371

Underwriting Year 2011

604,887,715,818.16

6,173

86,989,014,181.84

219

Page 2 of 3

PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2008 - 2011 THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2008 - 2011 by PROVINCE Premium and Claim in million Rupiah UY 2008

PROVINCE CODE

Number of

Premium

Policies

01 - Nanggroe Aceh Darussalam

UY 2009

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2010

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2011

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

Number of

Claim

% LOSS

Claims

Incured

RATIO

8,743

12,044.29

770.53

6.40

11,482

16,422.71

2,204.67

13.42

13,546

19,246.94

3,271.03

17.00

15,136

18,371.07

5,128.59

27.92

02 - Sumatera Utara

67,495

93,686.92

883

98,913.92

105.58

95,561

118,031.10

800

67,356.41

57.07

88,595

136,696.83

621

60,390.23

44.18

96,985

159,692.32

371

34,733.42

21.75

03 - Sumatera Barat

26,685

24,766.12

1,057

343,594.20

1,387.36

35,886

34,487.02

2,451

651,392.15

1,888.80

41,225

40,097.92

6,702.91

16.72

49,872

57,611.49

5,973.79

10.37

04 - Riau

34,008

44,135.61

294

39,517.78

89.54

46,812

74,474.15

304

39,896.78

53.57

41,693

59,875.66

237

29,560.09

49.37

46,872

65,809.00

154

16,966.01

25.78

05 - Jambi

12,982

15,533.73

2,183.08

14.05

13,864

18,036.76

31,011.45

171.93

14,477

19,128.43

10,050.85

52.54

14,823

20,515.84

3,448.54

16.81

06 - Sumatera Selatan

24,527

33,174.87

297

106,401.11

320.73

28,021

59,239.29

385

44,957.40

75.89

30,351

49,559.66

209

51,072.98

103.05

34,284

50,401.82

104

5,910.76

11.73

7,027

6,176.35

1,757.43

28.45

9,274

9,514.77

109

8,310.93

87.35

11,027

10,645.53

3,740.99

35.14

14,089

11,009.33

1,604.69

14.58

07 - Bengkulu 08 - Lampung

18,114

28,907.04

395

22,396.56

77.48

21,440

38,623.42

404

13,435.86

34.79

23,181

38,979.81

279

15,294.45

39.24

26,707

45,259.43

3,739.40

8.26

09 - Daerah Khusus Ibukota Jakarta

222,684

428,048.41

4,312

721,890.13

168.65

239,039

394,220.70

4,603

552,205.86

140.08

242,978

421,782.86

3,222

737,371.77

174.82

255,604

518,757.45

1,774

165,933.84

31.99

10 - Jawa Barat

165,799

277,977.23

2,732

383,112.72

137.82

182,083

281,441.06

3,497

1,026,917.69

364.88

196,170

339,204.11

2,903

779,921.67

229.93

227,790

380,634.28

1,213

163,815.86

43.04

85,682

104,282.88

1,437

111,915.67

107.32

93,898

123,791.73

1,016

160,413.58

129.58

99,557

143,761.43

888

93,160.64

64.80

122,836

161,463.08

489

67,991.12

42.11

11 - Jawa Tengah 12 - Daerah Istimewa Yogyakarta

11,224

13,120.03

102

4,351.33

33.17

13,998

15,328.52

136

3,986.79

26.01

13,203

17,011.92

138

7,618.96

44.79

14,842

19,850.61

2,038.97

10.27

111,859

189,625.67

1,744

222,204.94

117.18

131,901

224,027.00

1,901

376,027.42

167.85

138,202

249,587.02

1,462

335,091.81

134.26

161,350

294,814.18

616

64,854.28

22.00

29,310

40,700.35

213

22,986.03

56.48

38,394

57,577.44

299

48,444.83

84.14

39,124

58,348.10

382

32,434.19

55.59

38,390

62,293.40

144

12,908.23

20.72

15 - Kalimantan Tengah

7,719

11,176.97

172

13,231.54

118.38

8,824

14,248.31

130

5,676.15

39.84

10,197

15,718.72

116

4,648.75

29.57

11,574

15,393.71

4,122.48

26.78

16 - Kalimantan Selatan

14,916

19,691.98

128

9,244.48

46.95

18,721

22,955.60

175

12,643.49

55.08

17,890

24,892.65

147

7,320.92

29.41

20,758

29,342.27

3,863.04

13.17

17 - Kalimantan Timur

22,982

60,909.92

260

9,363.31

15.37

28,146

53,766.26

305

180,340.65

335.42

29,254

54,595.58

330

155,760.04

285.30

32,134

63,183.48

141

37,652.57

59.59

18 - Sulawesi Utara

11,420

17,114.23

8,507.07

49.71

12,987

19,586.83

29,411.31

150.16

14,544

23,011.36

19,870.36

86.35

17,375

25,619.02

6,385.00

24.92

19 - Sulawesi Tengah

6,732

11,338.30

1,372.82

12.11

6,828

11,102.21

157.70

1.42

8,560

13,977.32

980.28

7.01

7,678

9,960.40

4,310.29

43.27

20 - Sulawesi Selatan

29,806

40,752.11

180

14,801.68

36.32

34,540

47,671.97

152

14,386.74

30.18

34,480

44,254.95

135

15,093.60

34.11

43,781

54,438.85

105

9,045.97

16.62

4,698

5,795.91

1,199.69

20.70

4,712

5,877.17

1,207.41

20.54

4,887

6,995.89

59.67

0.85

5,897

7,282.80

102.37

1.41

13 - Jawa Timur 14 - Kalimantan Barat

21 - Sulawesi Tenggara 22 - Bali

23,954

43,027.33

446

10,941.93

25.43

27,897

49,758.88

348

15,482.46

31.11

30,785

59,206.58

477

33,955.34

57.35

37,190

68,345.59

272

12,550.05

18.36

23 - Nusa Tenggara Barat

6,516

8,044.88

228

1,856.89

23.08

8,132

9,093.72

229

2,546.12

28.00

8,648

11,433.58

3,304.16

28.90

10,813

12,489.43

1,479.24

11.84

24 - Nusa Tenggara Timur

5,009

7,809.37

220.93

2.83

6,288

8,749.42

1,190.69

13.61

6,250

10,043.42

3,925.21

39.08

7,854

10,134.41

228.60

2.26

25 - Maluku

1,689

3,355.33

2,128

4,407.83

53,183.81

1,206.58

2,794

6,186.19

449.11

7.26

3,721

7,187.21

1,972.39

27.44

26 - Irian Jaya

5,372

11,390.77

3,038.35

26.67

6,830

15,560.73

118

3,940.78

25.33

7,841

19,087.17

1,749.76

9.17

9,796

17,354.72

627.44

3.62

27 - Maluku Utara

1,171

3,331.62

15.64

0.47

1,288

3,241.60

183.07

5.65

1,329

3,784.84

376.97

9.96

1,080

1,915.44

430.17

22.46

28 - Irian Jaya Barat

2,135

3,513.56

1,692.08

48.16

2,632

4,702.39

679.61

14.45

2,315

4,826.95

563.17

11.67

4,119

4,387.06

1,622.99

36.99

56,204

104,699.59

840

148,067.56

141.42

55,416

104,063.81

924

144,481.71

138.84

53,195

113,129.46

778

88,188.18

77.95

55,624

119,078.89

341

45,233.87

37.99

2,560

4,403.41

1,202.49

27.31

2,858

4,723.17

1,337.25

28.31

2,894

4,357.16

988.31

22.68

3,135

3,572.40

48.66

1.36

29 - Banten 30 - Bangka Belitung 31 - Gorontalo 32 - Kepulauan Riau

2,052

3,060.44

2,478.48

80.98

2,756

3,938.49

296.65

7.53

2,554

4,001.83

326.05

8.15

2,576

3,254.69

56.00

1.72

15,981

33,503.89

148

29,590.96

88.32

17,853

32,494.84

139

57,372.26

176.56

17,082

27,838.30

168

11,495.36

41.29

17,250

28,490.81

7,098.08

24.91

1,047,055

1,705,099.11

16,282

2,338,821.33

137.17

1,210,489

1,881,158.90

18,722

3,551,079.68

188.77

1,248,828

2,051,268.17

12,981

2,514,737.81

122.59

1,411,935

2,347,914.48

6,392

691,876.71

29.47

Note : Data yang diterima hingga 15 Juni 2012 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 June 2012) and Claim Incured as follows) : Claim Settled

Number of

(in Rp)

Cases

Outstanding Claims

Number of

(in Rp)

Cases

Underwriting Year 2008

2,036,751,300,938.26

15,338

302,120,029,061.74

944

Underwriting Year 2009

3,516,132,524,799.37

18,002

34,947,175,200.63

720

Underwriting Year 2010

2,491,856,997,642.47

12,610

22,880,782,357.53

371

Underwriting Year 2011

604,887,715,818.16

6,173

86,989,014,181.84

219 Page 3 0f 3

GRAFIK - GRAPH

GRAPH COMPARATION OF POLICIES NUMBER BY OCCUPATION 2008 - 2011 1,400,000 1,300,000 1,200,000 1,100,000

Number of Policies

1,000,000 900,000

800,000

UY 2008

700,000

UY 2009

600,000

UY 2010

500,000

UY 2011

400,000

300,000 200,000 100,000 20

Occupation Code

1 of 10

GRAPH COMPARATION OF PREMIUM BY OCCUPATION 2008 - 2011 1,600,000.00

1,500,000.00 1,400,000.00 1,300,000.00

Premium (in million Rupiah)

1,200,000.00 1,100,000.00 1,000,000.00 900,000.00

800,000.00 700,000.00

UY 2008

600,000.00

UY 2009

500,000.00

UY 2010

400,000.00

UY 2011

300,000.00 200,000.00 100,000.00 20

Occupation Code

2 of 10

GRAPH COMPARATION OF CLAIM NUMBER BY OCCUPATION 2008 - 2011 13,000 12,000 11,000 10,000

Number of Claim

9,000 8,000 7,000

UY 2008

6,000

UY 2009

5,000

UY 2010

4,000

UY 2011

3,000 2,000 1,000 -

Occupation Code

3 of 10

GRAPH COMPARATION OF CLAIM BY OCCUPATION 2008 - 2011 1,600,000.00

1,400,000.00

Claim Incurred (in million Rupiah)

1,200,000.00

1,000,000.00

UY 2008

800,000.00

UY 2009 600,000.00

UY 2010 UY 2011

400,000.00

200,000.00

Occupation Code

4 of 10

GRAPH COMPARATION OF LOSS RATIO BY OCCUPATION 2008 - 2011 3,500 3,250 3,000 2,750

Loss Ratio (in percentage)

2,500 2,250 2,000 1,750

UY 2008

1,500

UY 2009

1,250

UY 2010

1,000

UY 2011

750 500 250 0 20

Occupation Code

5 of 10

GRAPH COMPARATION OF POLICIES NUMBER BY PROVINCE 2008 - 2011 275,000 250,000 225,000

Number of Policies

200,000 175,000 150,000 UY 2008

125,000

UY 2009 UY 2010

100,000

UY 2011 75,000 50,000 25,000 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

Province Code

6 of 10

GRAPH COMPARATION OF PREMIUM BY PROVINCE 2008 - 2011 550,000.00 500,000.00 450,000.00

Premium ( in million Rupiah)

400,000.00

350,000.00 300,000.00

UY 2008

250,000.00

UY 2009 200,000.00

UY 2010

150,000.00

UY 2011

100,000.00 50,000.00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Province Code

7 of 10

GRAPH COMPARATION OF CLAIM NUMBER BY PROVINCE 2008 - 2011 5,000 4,750

Number of Claim

4,500 4,250 4,000 3,750 3,500 3,250 3,000 2,750 2,500 2,250 2,000 1,750 1,500 1,250 1,000 750 500 250 -

UY 2008 UY 2009 UY 2010 UY 2011

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

Province Code

8 of 10

GRAPH COMPARATION OF CLAIM BY PROVINCE 2008 - 2011 1,100,000.00 1,000,000.00 900,000.00

Claim Incurred (in million Rupiah)

800,000.00 700,000.00 600,000.00

UY 2008

500,000.00

UY 2009

400,000.00

UY 2010

300,000.00

UY 2011

200,000.00 100,000.00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Province Code

9 of 10

GRAPH COMPARATION OF LOSS RATIO BY PROVINCE 2008 - 2011 2,000 1,900 1,800 1,700 1,600

1,500

Loss Ratio (in percentage)

1,400 1,300 1,200 1,100 1,000 900

UY 2008

800 700

UY 2009

600

UY 2010

500

UY 2011

400 300 200 100 0 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Province Code

10 of 10

EXAMPLE FOR REAL OCCUPATION CODE 23003 – NATURAL DRUGS 2371 – MANUFACTURE OF TOOTH PASTE, SOAPS, DETERGENTS AND POLISHES 24642 – BATIK ESTABLISHMENTS - PRINT 29411 – HOTELS, MOTELS, INNS AND THE LIKE – CERTIFIED BELOW 3 STARS CLASSIFICATION 2945 - RESTAURANT

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2008 23003 Natural Drugs (Pabrik Jamu Tradisional)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5 6 15 5 8 7 8 8 2 4 4 2 3 8 9 5 8 2 5 1 115

5 11 26 31 39 46 54 62 64 68 72 74 77 85 94 99 107 109 114 115

4.35 4.35 5.22 9.57 13.04 22.61 4.35 26.96 6.96 33.91 6.09 40.00 6.96 46.96 6.96 53.91 1.74 55.65 3.48 59.13 3.48 62.61 1.74 64.35 2.61 66.96 6.96 73.91 7.83 81.74 4.35 86.09 6.96 93.04 1.74 94.78 4.35 99.13 0.87 100.00

17.08 1.50 20.43 5.80 12.34 17.16 26.60 24.21 4.79 29.71 25.02 13.39 18.92 75.19 82.91 63.58 57.64 19.07 19.77 23.76 558.88

17.08 18.59 39.01 44.82 57.16 74.32 100.92 125.14 129.93 159.64 184.66 198.05 216.97 292.16 375.06 438.64 496.28 515.35 535.12 558.88

3.06 3.06 0.27 3.33 3.65 6.98 1.04 8.02 2.21 10.23 3.07 13.30 4.76 18.06 4.33 22.39 0.86 23.25 5.32 28.56 4.48 33.04 2.40 35.44 3.39 38.82 13.45 52.28 14.83 67.11 11.38 78.49 10.31 88.80 3.41 92.21 3.54 95.75 4.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 2 3 6 0 13

0 0 2 2 2 2 2 2 2 2 2 2 2 2 2 2 4 7 13 13

0.00 0.00 0.00 0.00 15.38 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 0.00 15.38 15.38 30.77 23.08 53.85 46.15 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 135.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.29 0.00 0.00 0.00 153.43

0.00 0.00 135.15 135.15 135.15 135.15 135.15 135.15 135.15 135.15 135.15 135.15 135.15 135.15 135.15 135.15 153.43 153.43 153.43 153.43

0.00 0.00 88.08 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 11.92 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 88.08 661.65 346.40 88.08 0.00 301.54 88.08 0.00 236.42 88.08 0.00 181.84 88.08 0.00 133.91 88.08 0.00 108.00 88.08 0.00 104.02 88.08 0.00 84.66 88.08 0.00 73.19 88.08 0.00 68.24 88.08 0.00 62.29 88.08 0.00 46.26 88.08 0.00 36.03 88.08 0.00 30.81 100.00 31.73 30.92 100.00 0.00 29.77 100.00 0.00 28.67 100.00 0.00 27.45 27.45

Page 1 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2009 23003 Natural Drugs (Pabrik Jamu Tradisional)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 8 5 10 4 20 5 7 10 3 5 8 3 7 11 5 11 3 5 1 1 132

8 13 23 27 47 52 59 69 72 77 85 88 95 106 111 122 125 130 131 132

6.06 6.06 3.79 9.85 7.58 17.42 3.03 20.45 15.15 35.61 3.79 39.39 5.30 44.70 7.58 52.27 2.27 54.55 3.79 58.33 6.06 64.39 2.27 66.67 5.30 71.97 8.33 80.30 3.79 84.09 8.33 92.42 2.27 94.70 3.79 98.48 0.76 99.24 0.76 100.00

24.64 0.89 7.22 4.76 18.92 4.16 19.49 23.83 17.42 34.96 38.62 61.31 62.63 66.40 34.58 99.96 33.35 30.20 6.72 23.98 614.03

24.64 25.54 32.76 37.52 56.44 60.60 80.09 103.92 121.34 156.30 194.91 256.22 318.86 385.25 419.83 519.79 553.14 583.34 590.05 614.03

4.01 4.01 0.15 4.16 1.18 5.33 0.78 6.11 3.08 9.19 0.68 9.87 3.17 13.04 3.88 16.92 2.84 19.76 5.69 25.45 6.29 31.74 9.98 41.73 10.20 51.93 10.81 62.74 5.63 68.37 16.28 84.65 5.43 90.08 4.92 95.00 1.09 96.10 3.90 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 4 0 0 0 0 6

0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 6 6 6 6 6

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.16 0.00 0.00 0.00 0.00 0.00 0.00 16.16

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.16 100.00 100.00 16.16 0.00 100.00 16.16 0.00 100.00 16.16 0.00 100.00 16.16 0.00 100.00 16.16 0.00 100.00 16.16 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 24.33 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.19 3.85 3.11 2.92 2.77 2.74 2.63

2.63

Page 2 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2010 23003 Natural Drugs (Pabrik Jamu Tradisional)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 28 1 8 10 18 11 17 9 5 9 6 3 4 10 14 5 7 2 4 1 172

28 29 37 47 65 76 93 102 107 116 122 125 129 139 153 158 165 167 171 172

16.28 16.28 0.58 16.86 4.65 21.51 5.81 27.33 10.47 37.79 6.40 44.19 9.88 54.07 5.23 59.30 2.91 62.21 5.23 67.44 3.49 70.93 1.74 72.67 2.33 75.00 5.81 80.81 8.14 88.95 2.91 91.86 4.07 95.93 1.16 97.09 2.33 99.42 0.58 100.00

329.96 1.05 4.84 8.20 14.27 21.47 23.25 30.96 17.07 23.31 23.04 9.99 25.30 61.56 65.26 39.17 61.77 11.59 12.44 29.97 814.48

329.96 331.01 335.85 344.05 358.32 379.79 403.05 434.00 451.07 474.38 497.42 507.42 532.72 594.28 659.54 698.71 760.48 772.07 784.51 814.48

40.51 40.51 0.13 40.64 0.59 41.23 1.01 42.24 1.75 43.99 2.64 46.63 2.85 49.49 3.80 53.29 2.10 55.38 2.86 58.24 2.83 61.07 1.23 62.30 3.11 65.41 7.56 72.96 8.01 80.98 4.81 85.79 7.58 93.37 1.42 94.79 1.53 96.32 3.68 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 2

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.89 0.00 0.00 0.00 0.00 0.00 1.89

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.89 100.00 100.00 1.89 0.00 100.00 1.89 0.00 100.00 1.89 0.00 100.00 1.89 0.00 100.00 1.89 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 2.90 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.29 0.27 0.25 0.24 0.24 0.23

0.23

Page 3 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 23003 Natural Drugs (Pabrik Jamu Tradisional)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 13 2 16 7 18 11 6 6 2 8 8 4 5 8 17 16 17 3 7 0 174

13 15 31 38 56 67 73 79 81 89 97 101 106 114 131 147 164 167 174 174

7.47 7.47 1.15 8.62 9.20 17.82 4.02 21.84 10.34 32.18 6.32 38.51 3.45 41.95 3.45 45.40 1.15 46.55 4.60 51.15 4.60 55.75 2.30 58.05 2.87 60.92 4.60 65.52 9.77 75.29 9.20 84.48 9.77 94.25 1.72 95.98 4.02 100.00 0.00 100.00

23.76 0.57 5.50 4.66 11.38 15.05 20.99 19.50 2.73 30.32 34.98 9.64 37.98 50.08 47.31 150.29 99.28 24.01 44.96 0.00 633.00

23.76 24.34 29.84 34.50 45.87 60.92 81.91 101.42 104.15 134.47 169.45 179.09 217.07 267.15 314.46 464.75 564.03 588.04 633.00 633.00

3.75 3.75 0.09 3.84 0.87 4.71 0.74 5.45 1.80 7.25 2.38 9.62 3.32 12.94 3.08 16.02 0.43 16.45 4.79 21.24 5.53 26.77 1.52 28.29 6.00 34.29 7.91 42.20 7.47 49.68 23.74 73.42 15.68 89.10 3.79 92.90 7.10 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4

4 100.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 1,500.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,500.00

1,500.00 100.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00 1,500.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 6,312.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6,312.11 6,163.68 5,026.88 4,348.45 3,269.92 2,462.20 1,831.17 1,479.05 1,440.29 1,115.52 885.22 837.56 691.02 561.49 477.01 322.75 265.94 255.09 236.97 236.97

236.97

Page 4 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2008 2371 Manufacture of tooth paste, soaps, detergents and polishes (Pabrik pasta gigi, sabun, deterjen dan semir)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 11 6 4 7 5 9 20 14 12 7 4 8 6 18 13 10 19 10 63 29 275

11 17 21 28 33 42 62 76 88 95 99 107 113 131 144 154 173 183 246 275

4.00 4.00 2.18 6.18 1.45 7.64 2.55 10.18 1.82 12.00 3.27 15.27 7.27 22.55 5.09 27.64 4.36 32.00 2.55 34.55 1.45 36.00 2.91 38.91 2.18 41.09 6.55 47.64 4.73 52.36 3.64 56.00 6.91 62.91 3.64 66.55 22.91 89.45 10.55 100.00

69.73 11.87 2.43 3.52 4.49 6.21 25.19 23.57 50.11 27.82 37.21 52.50 23.78 118.91 68.92 54.39 96.09 703.28 407.61 249.82 2,037.44

69.73 81.59 84.02 87.54 92.03 98.25 123.43 147.00 197.12 224.93 262.15 314.65 338.43 457.34 526.26 580.65 676.74 1,380.02 1,787.63 2,037.44

3.42 3.42 0.58 4.00 0.12 4.12 0.17 4.30 0.22 4.52 0.31 4.82 1.24 6.06 1.16 7.21 2.46 9.67 1.37 11.04 1.83 12.87 2.58 15.44 1.17 16.61 5.84 22.45 3.38 25.83 2.67 28.50 4.72 33.22 34.52 67.73 20.01 87.74 12.26 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 0 0 0 0 0 0 0 0 0 0 2 0 2 4 4 4 3 8 13 45

5 5 5 5 5 5 5 5 5 5 5 7 7 9 13 17 21 24 32 45

11.11 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 4.44 15.56 0.00 15.56 4.44 20.00 8.89 28.89 8.89 37.78 8.89 46.67 6.67 53.33 17.78 71.11 28.89 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 22.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 128.80 0.00 0.65 74.25 3.78 0.89 206.56 897.35 459.34 1,793.76

22.15 22.15 22.15 22.15 22.15 22.15 22.15 22.15 22.15 22.15 22.15 150.95 150.95 151.60 225.85 229.63 230.51 437.07 1,334.42 1,793.76

1.23 1.23 0.00 1.23 0.00 1.23 0.00 1.23 0.00 1.23 0.00 1.23 0.00 1.23 0.00 1.23 0.00 1.23 0.00 1.23 0.00 1.23 7.18 8.42 0.00 8.42 0.04 8.45 4.14 12.59 0.21 12.80 0.05 12.85 11.52 24.37 50.03 74.39 25.61 100.00

31.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 245.32 0.00 0.55 107.73 6.95 0.92 29.37 220.15 183.87

31.76 27.14 26.36 25.30 24.07 22.54 17.94 15.07 11.24 9.85 8.45 47.97 44.60 33.15 42.92 39.55 34.06 31.67 74.65 88.04

88.04

Page 5 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2009 2371 Manufacture of tooth paste, soaps, detergents and polishes (Pabrik pasta gigi, sabun, deterjen dan semir)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 30 2 11 11 11 7 20 14 9 9 3 6 3 18 7 37 29 6 59 19 311

30 32 43 54 65 72 92 106 115 124 127 133 136 154 161 198 227 233 292 311

9.65 9.65 0.64 10.29 3.54 13.83 3.54 17.36 3.54 20.90 2.25 23.15 6.43 29.58 4.50 34.08 2.89 36.98 2.89 39.87 0.96 40.84 1.93 42.77 0.96 43.73 5.79 49.52 2.25 51.77 11.90 63.67 9.32 72.99 1.93 74.92 18.97 93.89 6.11 100.00

118.73 0.72 13.44 5.16 8.55 5.99 27.63 39.00 60.75 25.67 5.75 28.67 25.58 143.92 63.29 391.96 307.16 136.00 229.72 190.95 1,828.63

118.73 119.45 132.89 138.05 146.60 152.58 180.21 219.21 279.96 305.64 311.38 340.05 365.64 509.55 572.84 964.80 1,271.96 1,407.96 1,637.68 1,828.63

6.49 6.49 0.04 6.53 0.73 7.27 0.28 7.55 0.47 8.02 0.33 8.34 1.51 9.86 2.13 11.99 3.32 15.31 1.40 16.71 0.31 17.03 1.57 18.60 1.40 20.00 7.87 27.87 3.46 31.33 21.43 52.76 16.80 69.56 7.44 77.00 12.56 89.56 10.44 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 2 0 0 0 0 3 0 0 0 0 0 5 4 2 0 2 6 24

0 0 0 2 2 2 2 2 5 5 5 5 5 5 10 14 16 16 18 24

0.00 0.00 0.00 0.00 0.00 0.00 8.33 8.33 0.00 8.33 0.00 8.33 0.00 8.33 0.00 8.33 12.50 20.83 0.00 20.83 0.00 20.83 0.00 20.83 0.00 20.83 0.00 20.83 20.83 41.67 16.67 58.33 8.33 66.67 0.00 66.67 8.33 75.00 25.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 1.43 0.00 0.00 0.00 0.00 20.74 0.00 0.00 0.00 0.00 0.00 5,401.08 6.27 4.03 0.00 26.76 228.18 5,688.48

0.00 0.00 0.00 1.43 1.43 1.43 1.43 1.43 22.17 22.17 22.17 22.17 22.17 22.17 5,423.24 5,429.51 5,433.54 5,433.54 5,460.30 5,688.48

0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.03 0.00 0.03 0.00 0.03 0.00 0.03 0.00 0.03 0.36 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 94.95 95.34 0.11 95.45 0.07 95.52 0.00 95.52 0.47 95.99 4.01 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 27.63 0.00 0.00 0.00 0.00 34.14 0.00 0.00 0.00 0.00 0.00 8,533.48 1.60 1.31 0.00 11.65 119.50

0.00 0.00 0.00 1.03 0.97 0.93 0.79 0.65 7.92 7.25 7.12 6.52 6.06 4.35 946.72 562.76 427.18 385.92 333.42 311.08

311.08

Page 6 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2010 2371 Manufacture of tooth paste, soaps, detergents and polishes (Pabrik pasta gigi, sabun, deterjen dan semir)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 24 7 7 3 22 10 29 24 14 1 8 11 7 24 8 28 32 12 53 34 358

24 31 38 41 63 73 102 126 140 141 149 160 167 191 199 227 259 271 324 358

6.70 6.70 1.96 8.66 1.96 10.61 0.84 11.45 6.15 17.60 2.79 20.39 8.10 28.49 6.70 35.20 3.91 39.11 0.28 39.39 2.23 41.62 3.07 44.69 1.96 46.65 6.70 53.35 2.23 55.59 7.82 63.41 8.94 72.35 3.35 75.70 14.80 90.50 9.50 100.00

82.67 16.96 1.91 24.98 33.73 8.36 56.87 48.13 53.93 1.72 17.79 69.91 25.55 237.50 38.89 264.75 298.95 38.70 342.31 214.71 1,878.32

82.67 99.63 101.54 126.52 160.25 168.61 225.48 273.61 327.54 329.26 347.05 416.96 442.51 680.00 718.89 983.65 1,282.59 1,321.29 1,663.60 1,878.32

4.40 4.40 0.90 5.30 0.10 5.41 1.33 6.74 1.80 8.53 0.45 8.98 3.03 12.00 2.56 14.57 2.87 17.44 0.09 17.53 0.95 18.48 3.72 22.20 1.36 23.56 12.64 36.20 2.07 38.27 14.10 52.37 15.92 68.28 2.06 70.34 18.22 88.57 11.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 3 0 0 0 0 0 3 2 0 0 0 0 8

0 0 0 0 0 0 0 0 3 3 3 3 3 3 6 8 8 8 8 8

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 37.50 0.00 0.00 0.00 0.00 0.00 37.50 25.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 37.50 37.50 37.50 37.50 37.50 37.50 75.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,982.18 0.00 0.00 0.00 0.00 0.00 118.85 12.03 0.00 0.00 0.00 0.00 2,113.07

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,982.18 1,982.18 1,982.18 1,982.18 1,982.18 1,982.18 2,101.04 2,113.07 2,113.07 2,113.07 2,113.07 2,113.07

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 93.81 0.00 0.00 0.00 0.00 0.00 5.62 0.57 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 93.81 93.81 93.81 93.81 93.81 93.81 99.43 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,675.26 0.00 0.00 0.00 0.00 0.00 305.62 4.55 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 605.18 602.01 571.15 475.39 447.94 291.50 292.26 214.82 164.75 159.92 127.02 112.50

112.50

Page 7 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 2371 Manufacture of tooth paste, soaps, detergents and polishes (Pabrik pasta gigi, sabun, deterjen dan semir)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 23 5 11 8 13 6 19 10 10 4 6 3 8 21 10 36 36 14 53 14 310

23 28 39 47 60 66 85 95 105 109 115 118 126 147 157 193 229 243 296 310

7.44 7.44 1.62 9.06 3.56 12.62 2.59 15.21 4.21 19.42 1.94 21.36 6.15 27.51 3.24 30.74 3.24 33.98 1.29 35.28 1.94 37.22 0.97 38.19 2.59 40.78 6.80 47.57 3.24 50.81 11.65 62.46 11.65 74.11 4.53 78.64 17.15 95.79 4.53 100.32

117.11 2.05 2.95 3.63 8.45 5.57 26.17 16.48 17.49 3.51 26.97 12.30 18.59 135.38 59.00 251.77 451.63 84.36 589.68 156.03 1,989.10

117.11 119.16 122.12 125.75 134.20 139.77 165.94 182.42 199.91 203.41 230.38 242.68 261.27 396.65 455.64 707.41 1,159.04 1,243.40 1,833.08 1,989.10

5.89 5.89 0.10 5.99 0.15 6.14 0.18 6.32 0.42 6.75 0.28 7.03 1.32 8.34 0.83 9.17 0.88 10.05 0.18 10.23 1.36 11.58 0.62 12.20 0.93 13.14 6.81 19.94 2.97 22.91 12.66 35.57 22.71 58.27 4.24 62.51 29.65 92.16 7.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 2 5 0 4 2 15

0 0 0 0 0 0 0 0 0 0 2 2 2 2 2 4 9 9 13 15

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.33 13.33 0.00 13.33 0.00 13.33 0.00 13.33 0.00 13.33 13.33 26.67 33.33 60.00 0.00 60.00 26.67 86.67 13.33 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.15 0.00 0.00 0.00 0.00 44.30 132.13 0.00 1,016.37 (33.48) 1,192.47

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.15 33.15 33.15 33.15 33.15 77.45 209.58 209.58 1,225.95 1,192.47

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.78 2.78 122.94 0.00 2.78 0.00 0.00 2.78 0.00 0.00 2.78 0.00 0.00 2.78 0.00 3.71 6.49 17.60 11.08 17.58 29.26 0.00 17.58 0.00 85.23 102.81 172.36 (2.81) 100.00 (21.46)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.39 13.66 12.69 8.36 7.28 10.95 18.08 16.86 66.88 59.95

59.95

Page 8 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2008 24642 Batik Establishments - Print (Pembuatan Batik Cetak / Batik Cap dan sejenisnya)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 14 9 6 9 10 4 10 8 6 5 1 8 2 5 1 1 1 0 0 0 100

14 23 29 38 48 52 62 70 76 81 82 90 92 97 98 99 100 100 100 100

14.00 9.00 6.00 9.00 10.00 4.00 10.00 8.00 6.00 5.00 1.00 8.00 2.00 5.00 1.00 1.00 1.00 0.00 0.00 0.00

14.00 23.00 29.00 38.00 48.00 52.00 62.00 70.00 76.00 81.00 82.00 90.00 92.00 97.00 98.00 99.00 100.00 100.00 100.00 100.00

18.67 0.95 2.43 2.66 8.53 5.73 17.16 24.75 19.08 23.25 3.46 65.82 12.38 40.41 31.25 24.00 55.00 0.00 0.00 0.00 355.55

18.67 19.62 22.05 24.71 33.25 38.98 56.14 80.89 99.97 123.22 126.68 192.51 204.88 245.30 276.55 300.55 355.55 355.55 355.55 355.55

5.25 0.27 0.68 0.75 2.40 1.61 4.83 6.96 5.37 6.54 0.97 18.51 3.48 11.37 8.79 6.75 15.47 0.00 0.00 0.00

5.25 5.52 6.20 6.95 9.35 10.96 15.79 22.75 28.12 34.66 35.63 54.14 57.62 68.99 77.78 84.53 100.00 100.00 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 9 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2009 24642 Batik Establishments - Print (Pembuatan Batik Cetak / Batik Cap dan sejenisnya)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9 7 5 3 12 8 12 5 6 6 2 9 1 2 2 3 2 0 0 0 94

9 16 21 24 36 44 56 61 67 73 75 84 85 87 89 92 94 94 94 94

9.57 7.45 5.32 3.19 12.77 8.51 12.77 5.32 6.38 6.38 2.13 9.57 1.06 2.13 2.13 3.19 2.13 0.00 0.00 0.00

9.57 17.02 22.34 25.53 38.30 46.81 59.57 64.89 71.28 77.66 79.79 89.36 90.43 92.55 94.68 97.87 100.00 100.00 100.00 100.00

17.94 0.88 1.21 1.04 11.71 11.32 23.42 15.42 20.79 24.63 7.18 67.39 12.38 14.31 9.99 68.96 79.00 0.00 0.00 0.00 387.56

17.94 18.82 20.03 21.07 32.78 44.11 67.53 82.95 103.74 128.37 135.54 202.94 215.31 229.62 239.61 308.56 387.56 387.56 387.56 387.56

4.63 0.23 0.31 0.27 3.02 2.92 6.04 3.98 5.36 6.35 1.85 17.39 3.19 3.69 2.58 17.79 20.38 0.00 0.00 0.00

4.63 4.85 5.17 5.44 8.46 11.38 17.42 21.40 26.77 33.12 34.97 52.36 55.56 59.25 61.82 79.62 100.00 100.00 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 3 0 0 0 0 0 0 0 0 0 0 0 0 3

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 3 100.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 458.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 458.53

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 458.53 100.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00 458.53 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,973.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 552.78 442.01 357.20 338.29 225.95 212.96 199.69 191.37 148.60 118.31 118.31 118.31 118.31

118.31

Page 10 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2010 24642 Batik Establishments - Print (Pembuatan Batik Cetak / Batik Cap dan sejenisnya)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 10 6 4 3 15 7 9 9 7 6 5 10 1 2 2 4 3 0 0 0 103

10 16 20 23 38 45 54 63 70 76 81 91 92 94 96 100 103 103 103 103

9.71 5.83 3.88 2.91 14.56 6.80 8.74 8.74 6.80 5.83 4.85 9.71 0.97 1.94 1.94 3.88 2.91 0.00 0.00 0.00

9.71 15.53 19.42 22.33 36.89 43.69 52.43 61.17 67.96 73.79 78.64 88.35 89.32 91.26 93.20 97.09 100.00 100.00 100.00 100.00

80.82 2.30 0.93 2.47 12.14 8.45 17.00 42.31 22.87 26.59 18.25 103.58 9.00 20.18 10.09 91.58 62.27 0.00 0.00 0.00 530.84

80.82 83.12 84.06 86.53 98.67 107.12 124.12 166.43 189.30 215.89 234.13 337.71 346.71 366.89 376.99 468.57 530.84 530.84 530.84 530.84

15.23 0.43 0.18 0.47 2.29 1.59 3.20 7.97 4.31 5.01 3.44 19.51 1.70 3.80 1.90 17.25 11.73 0.00 0.00 0.00

15.23 15.66 15.83 16.30 18.59 20.18 23.38 31.35 35.66 40.67 44.11 63.62 65.31 69.12 71.02 88.27 100.00 100.00 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 0 0 0 0 0 2 0 0 0 0 0 0 0 2 0 0 0 0 8

4 4 4 4 4 4 4 6 6 6 6 6 6 6 6 8 8 8 8 8

50.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00

50.00 50.00 50.00 50.00 50.00 50.00 50.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 150.48 0.00 0.00 0.00 0.00 0.00 0.00 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.52 0.00 0.00 0.00 0.00 159.23

150.48 150.48 150.48 150.48 150.48 150.48 150.48 150.70 150.70 150.70 150.70 150.70 150.70 150.70 150.70 159.23 159.23 159.23 159.23 159.23

94.51 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.35 0.00 0.00 0.00 0.00

94.51 186.19 186.19 94.51 0.00 181.03 94.51 0.00 179.02 94.51 0.00 173.90 94.51 0.00 152.50 94.51 0.00 140.48 94.51 0.00 121.23 94.65 0.53 90.55 94.65 0.00 79.61 94.65 0.00 69.81 94.65 0.00 64.37 94.65 0.00 44.62 94.65 0.00 43.47 94.65 0.00 41.08 94.65 0.00 39.98 100.00 9.31 33.98 100.00 0.00 30.00 100.00 0.00 30.00 100.00 0.00 30.00 100.00 0.00 30.00 30.00

Page 11 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 24642 Batik Establishments - Print (Pembuatan Batik Cetak / Batik Cap dan sejenisnya)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9 6 7 3 7 9 7 6 6 5 5 8 4 7 5 9 5 2 1 0 111

9 15 22 25 32 41 48 54 60 65 70 78 82 89 94 103 108 110 111 111

8.18 8.18 5.45 13.64 6.36 20.00 2.73 22.73 6.36 29.09 8.18 37.27 6.36 43.64 5.45 49.09 5.45 54.55 4.55 59.09 4.55 63.64 7.27 70.91 3.64 74.55 6.36 80.91 4.55 85.45 8.18 93.64 4.55 98.18 1.82 100.00 0.91 100.91 0.00 100.91

42.74 0.83 2.32 1.21 7.45 8.62 11.28 12.91 20.05 18.27 18.30 31.78 7.45 36.59 18.32 71.15 61.40 43.80 31.05 0.00 445.50

42.74 43.57 45.89 47.10 54.55 63.17 74.44 87.36 107.40 125.67 143.97 175.75 183.20 219.79 238.11 309.26 370.66 414.45 445.50 445.50

9.66 9.66 0.19 9.84 0.52 10.37 0.27 10.64 1.68 12.32 1.95 14.27 2.55 16.82 2.92 19.74 4.53 24.27 4.13 28.39 4.13 32.53 7.18 39.71 1.68 41.39 8.27 49.66 4.14 53.80 16.07 69.87 13.87 83.74 9.90 93.64 7.02 100.65 0.00 100.65

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 4

2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 4 4

50.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 50.00 100.00 0.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 51.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.23 0.00 53.39

51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 51.17 53.39 53.39

95.83 95.83 119.71 119.71 0.00 95.83 0.00 117.44 0.00 95.83 0.00 111.49 0.00 95.83 0.00 108.64 0.00 95.83 0.00 93.80 0.00 95.83 0.00 81.00 0.00 95.83 0.00 68.73 0.00 95.83 0.00 58.57 0.00 95.83 0.00 47.64 0.00 95.83 0.00 40.72 0.00 95.83 0.00 35.54 0.00 95.83 0.00 29.11 0.00 95.83 0.00 27.93 0.00 95.83 0.00 23.28 0.00 95.83 0.00 21.49 0.00 95.83 0.00 16.54 0.00 95.83 0.00 13.80 0.00 95.83 0.00 12.35 4.17 100.00 7.17 11.98 0.00 100.00 0.00 11.98 11.98

Page 12 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2008 29411 Hotels, Motels, Inns and The Like - Certified below 3 Stars Classification (Hotel, Motel dan sejenisnya - Klasifikasi dibawah Bintang Tiga) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 276 214 369 314 452 355 407 363 277 148 179 175 126 174 131 164 139 67 48 16 4,394

276 490 859 1,173 1,625 1,980 2,387 2,750 3,027 3,175 3,354 3,529 3,655 3,829 3,960 4,124 4,263 4,330 4,378 4,394

6.28 6.28 4.87 11.15 8.40 19.55 7.15 26.70 10.29 36.98 8.08 45.06 9.26 54.32 8.26 62.59 6.30 68.89 3.37 72.26 4.07 76.33 3.98 80.31 2.87 83.18 3.96 87.14 2.98 90.12 3.73 93.86 3.16 97.02 1.52 98.54 1.09 99.64 0.36 100.00

513.58 64.60 155.28 197.81 434.52 448.86 712.21 790.07 890.10 496.86 757.65 834.53 796.40 1,429.80 1,238.19 2,019.26 1,937.32 1,171.52 877.49 2,526.91 18,292.95

513.58 578.18 733.46 931.28 1,365.79 1,814.65 2,526.86 3,316.93 4,207.03 4,703.88 5,461.53 6,296.06 7,092.46 8,522.26 9,760.45 11,779.70 13,717.02 14,888.54 15,766.04 18,292.95

2.81 2.81 0.35 3.16 0.85 4.01 1.08 5.09 2.38 7.47 2.45 9.92 3.89 13.81 4.32 18.13 4.87 23.00 2.72 25.71 4.14 29.86 4.56 34.42 4.35 38.77 7.82 46.59 6.77 53.36 11.04 64.39 10.59 74.99 6.40 81.39 4.80 86.19 13.81 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 2 2 0 7 0 2 3 8 14 6 20 4 10 4 18 51 12 31 27 233

12 14 16 16 23 23 25 28 36 50 56 76 80 90 94 112 163 175 206 233

5.15 5.15 0.86 6.01 0.86 6.87 0.00 6.87 3.00 9.87 0.00 9.87 0.86 10.73 1.29 12.02 3.43 15.45 6.01 21.46 2.58 24.03 8.58 32.62 1.72 34.33 4.29 38.63 1.72 40.34 7.73 48.07 21.89 69.96 5.15 75.11 13.30 88.41 11.59 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,510.39 100.00 92.89 0.00 36.20 0.00 3.30 9.46 62.64 1,239.79 6.80 377.60 46.46 92.43 20.95 1,800.45 847.57 265.37 1,398.73 480.30 9,391.33

2,510.39 2,610.39 2,703.28 2,703.28 2,739.48 2,739.48 2,742.78 2,752.24 2,814.89 4,054.68 4,061.48 4,439.08 4,485.53 4,577.97 4,598.92 6,399.37 7,246.93 7,512.30 8,911.03 9,391.33

26.73 26.73 1.06 27.80 0.99 28.78 0.00 28.78 0.39 29.17 0.00 29.17 0.04 29.21 0.10 29.31 0.67 29.97 13.20 43.17 0.07 43.25 4.02 47.27 0.49 47.76 0.98 48.75 0.22 48.97 19.17 68.14 9.02 77.17 2.83 79.99 14.89 94.89 5.11 100.00

488.81 154.79 59.82 0.00 8.33 0.00 0.46 1.20 7.04 249.53 0.90 45.25 5.83 6.46 1.69 89.16 43.75 22.65 159.40 19.01

488.81 451.48 368.56 290.28 200.58 150.96 108.54 82.98 66.91 86.20 74.37 70.51 63.24 53.72 47.12 54.33 52.83 50.46 56.52 51.34

51.34

Page 13 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2009 29411 Hotels, Motels, Inns and The Like - Certified below 3 Stars Classification (Hotel, Motel dan sejenisnya - Klasifikasi dibawah Bintang Tiga) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 322 227 424 406 632 391 527 547 412 242 219 282 184 230 175 229 177 69 57 7 5,759

322 549 973 1,379 2,011 2,402 2,929 3,476 3,888 4,130 4,349 4,631 4,815 5,045 5,220 5,449 5,626 5,695 5,752 5,759

5.59 5.59 3.94 9.53 7.36 16.90 7.05 23.95 10.97 34.92 6.79 41.71 9.15 50.86 9.50 60.36 7.15 67.51 4.20 71.71 3.80 75.52 4.90 80.41 3.19 83.61 3.99 87.60 3.04 90.64 3.98 94.62 3.07 97.69 1.20 98.89 0.99 99.88 0.12 100.00

726.60 51.18 166.03 258.48 568.99 523.64 939.92 1,428.78 1,216.55 799.99 896.34 1,289.85 1,140.13 1,623.13 1,683.99 3,000.10 2,541.18 835.91 1,845.99 114.26 21,651.04

726.60 777.78 943.81 1,202.29 1,771.28 2,294.92 3,234.84 4,663.62 5,880.17 6,680.16 7,576.50 8,866.35 10,006.48 11,629.61 13,313.60 16,313.70 18,854.88 19,690.79 21,536.78 21,651.04

3.36 3.36 0.24 3.59 0.77 4.36 1.19 5.55 2.63 8.18 2.42 10.60 4.34 14.94 6.60 21.54 5.62 27.16 3.69 30.85 4.14 34.99 5.96 40.95 5.27 46.22 7.50 53.71 7.78 61.49 13.86 75.35 11.74 87.09 3.86 90.95 8.53 99.47 0.53 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 16 0 4 2 21 7 10 10 14 13 4 4 10 11 25 34 74 11 47 3 320

16 16 20 22 43 50 60 70 84 97 101 105 115 126 151 185 259 270 317 320

5.00 5.00 0.00 5.00 1.25 6.25 0.63 6.88 6.56 13.44 2.19 15.63 3.13 18.75 3.13 21.88 4.38 26.25 4.06 30.31 1.25 31.56 1.25 32.81 3.13 35.94 3.44 39.38 7.81 47.19 10.63 57.81 23.13 80.94 3.44 84.38 14.69 99.06 0.94 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,639.11 0.00 115.57 300.00 4,214.87 20.35 188.76 633.22 2,615.98 149.99 77.68 70.86 405.11 523.46 151.31 4,692.17 12,330.00 251.37 2,361.24 1,093.80 32,834.86

2,639.11 2,639.11 2,754.68 3,054.68 7,269.55 7,289.90 7,478.66 8,111.89 10,727.86 10,877.85 10,955.53 11,026.39 11,431.50 11,954.96 12,106.27 16,798.44 29,128.45 29,379.82 31,741.06 32,834.86

8.04 8.04 0.00 8.04 0.35 8.39 0.91 9.30 12.84 22.14 0.06 22.20 0.57 22.78 1.93 24.71 7.97 32.67 0.46 33.13 0.24 33.37 0.22 33.58 1.23 34.82 1.59 36.41 0.46 36.87 14.29 51.16 37.55 88.71 0.77 89.48 7.19 96.67 3.33 100.00

363.21 0.00 69.61 116.06 740.76 3.89 20.08 44.32 215.03 18.75 8.67 5.49 35.53 32.25 8.99 156.40 485.21 30.07 127.91 957.27

363.21 339.31 291.87 254.07 410.41 317.65 231.19 173.94 182.44 162.84 144.60 124.36 114.24 102.80 90.93 102.97 154.49 149.21 147.38 151.65

151.65

Page 14 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2010 29411 Hotels, Motels, Inns and The Like - Certified below 3 Stars Classification (Hotel, Motel dan sejenisnya - Klasifikasi dibawah Bintang Tiga) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 265 232 476 459 654 485 608 580 478 274 260 336 207 276 207 271 183 81 67 8 6,407

265 497 973 1,432 2,086 2,571 3,179 3,759 4,237 4,511 4,771 5,107 5,314 5,590 5,797 6,068 6,251 6,332 6,399 6,407

4.14 4.14 3.62 7.76 7.43 15.19 7.16 22.35 10.21 32.56 7.57 40.13 9.49 49.62 9.05 58.67 7.46 66.13 4.28 70.41 4.06 74.47 5.24 79.71 3.23 82.94 4.31 87.25 3.23 90.48 4.23 94.71 2.86 97.57 1.26 98.83 1.05 99.88 0.12 100.00

1,051.75 82.32 206.81 272.31 556.00 548.27 1,026.64 1,352.99 1,411.92 1,049.44 1,161.53 1,884.93 1,323.48 2,215.88 2,105.54 3,594.45 2,725.89 1,068.15 (86.53) 69.40 23,621.17

1,051.75 1,134.07 1,340.88 1,613.19 2,169.18 2,717.46 3,744.10 5,097.08 6,509.01 7,558.45 8,719.98 10,604.91 11,928.40 14,144.28 16,249.81 19,844.26 22,570.15 23,638.30 23,551.77 23,621.17

4.45 4.45 0.35 4.80 0.88 5.68 1.15 6.83 2.35 9.18 2.32 11.50 4.35 15.85 5.73 21.58 5.98 27.56 4.44 32.00 4.92 36.92 7.98 44.90 5.60 50.50 9.38 59.88 8.91 68.79 15.22 84.01 11.54 95.55 4.52 100.07 (0.37) 99.71 0.29 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 14 0 0 8 2 2 2 4 5 10 11 2 6 10 21 22 32 14 19 2 186

14 14 14 22 24 26 28 32 37 47 58 60 66 76 97 119 151 165 184 186

7.53 7.53 0.00 7.53 0.00 7.53 4.30 11.83 1.08 12.90 1.08 13.98 1.08 15.05 2.15 17.20 2.69 19.89 5.38 25.27 5.91 31.18 1.08 32.26 3.23 35.48 5.38 40.86 11.29 52.15 11.83 63.98 17.20 81.18 7.53 88.71 10.22 98.92 1.08 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 2,328.38 0.00 0.00 227.66 10.00 54.33 1.10 325.77 295.43 215.25 1,662.63 18.24 146.77 239.02 2,733.02 1,832.13 8,114.28 191.55 290.38 25.41 18,711.35

2,328.38 2,328.38 2,328.38 2,556.03 2,566.03 2,620.36 2,621.46 2,947.24 3,242.67 3,457.92 5,120.55 5,138.79 5,285.56 5,524.59 8,257.60 10,089.73 18,204.01 18,395.56 18,685.94 18,711.35

12.44 12.44 0.00 12.44 0.00 12.44 1.22 13.66 0.05 13.71 0.29 14.00 0.01 14.01 1.74 15.75 1.58 17.33 1.15 18.48 8.89 27.37 0.10 27.46 0.78 28.25 1.28 29.53 14.61 44.13 9.79 53.92 43.37 97.29 1.02 98.31 1.55 99.86 0.14 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 221.38 0.00 0.00 83.60 1.80 9.91 0.11 24.08 20.92 20.51 143.14 0.97 11.09 10.79 129.80 50.97 297.67 17.93 (335.57) 36.61

221.38 205.31 173.65 158.45 118.29 96.43 70.02 57.82 49.82 45.75 58.72 48.46 44.31 39.06 50.82 50.84 80.66 77.82 79.34 79.21

79.21

Page 15 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 29411 Hotels, Motels, Inns and The Like - Certified below 3 Stars Classification (Hotel, Motel dan sejenisnya - Klasifikasi dibawah Bintang Tiga) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 378 284 622 523 786 543 602 587 450 341 268 327 241 320 263 337 265 132 97 22 7,388

378 662 1,284 1,807 2,593 3,136 3,738 4,325 4,775 5,116 5,384 5,711 5,952 6,272 6,535 6,872 7,137 7,269 7,366 7,388

5.12 5.12 3.85 8.97 8.43 17.41 7.09 24.50 10.65 35.15 7.36 42.51 8.16 50.67 7.96 58.63 6.10 64.73 4.62 69.35 3.63 72.98 4.43 77.42 3.27 80.68 4.34 85.02 3.57 88.59 4.57 93.15 3.59 96.75 1.79 98.54 1.31 99.85 0.30 100.15

849.90 67.91 232.46 243.40 592.45 529.79 864.87 1,227.37 1,388.75 1,135.49 1,027.44 1,554.09 1,431.23 2,484.00 2,294.19 4,081.31 3,388.12 1,628.02 1,060.98 364.68 26,446.48

849.90 917.80 1,150.26 1,393.66 1,986.11 2,515.90 3,380.77 4,608.14 5,996.90 7,132.39 8,159.83 9,713.93 11,145.16 13,629.16 15,923.35 20,004.67 23,392.79 25,020.81 26,081.79 26,446.48

3.22 3.22 0.26 3.47 0.88 4.35 0.92 5.28 2.24 7.52 2.01 9.52 3.27 12.80 4.65 17.45 5.26 22.70 4.30 27.00 3.89 30.89 5.88 36.77 5.42 42.19 9.40 51.60 8.69 60.28 15.45 75.73 12.83 88.56 6.16 94.72 4.02 98.74 1.38 100.12

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 0 0 0 4 0 0 2 10 4 2 0 0 4 3 14 2 4 5 6 70

10 10 10 10 14 14 14 16 26 30 32 32 32 36 39 53 55 59 64 70

14.29 14.29 0.00 14.29 0.00 14.29 0.00 14.29 5.71 20.00 0.00 20.00 0.00 20.00 2.86 22.86 14.29 37.14 5.71 42.86 2.86 45.71 0.00 45.71 0.00 45.71 5.71 51.43 4.29 55.71 20.00 75.71 2.86 78.57 5.71 84.29 7.14 91.43 8.57 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 404.20 0.00 0.00 0.00 25.76 0.00 0.00 861.52 988.49 46.01 155.66 0.00 0.00 37.02 0.74 1,635.23 8.82 60.68 94.91 323.24 4,642.28

404.20 404.20 404.20 404.20 429.96 429.96 429.96 1,291.48 2,279.97 2,325.98 2,481.64 2,481.64 2,481.64 2,518.66 2,519.39 4,154.63 4,163.45 4,224.13 4,319.04 4,642.28

8.71 8.71 0.00 8.71 0.00 8.71 0.00 8.71 0.55 9.26 0.00 9.26 0.00 9.26 18.56 27.82 21.29 49.11 0.99 50.10 3.35 53.46 0.00 53.46 0.00 53.46 0.80 54.25 0.02 54.27 35.22 89.50 0.19 89.69 1.31 90.99 2.04 93.04 6.96 100.00

47.56 0.00 0.00 0.00 4.35 0.00 0.00 70.19 71.18 4.05 15.15 0.00 0.00 1.49 0.03 40.07 0.26 3.73 8.95 88.64

47.56 44.04 35.14 29.00 21.65 17.09 12.72 28.03 38.02 32.61 30.41 25.55 22.27 18.48 15.82 20.77 17.80 16.88 16.56 17.55

17.55

Page 16 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

378 662 1,284 1,807 2,593 3,136 3,738 4,325 4,775 5,116 5,384 5,711 5,952 6,272 6,535 6,872 7,137 7,269 7,366 7,388

849.90 67.91 232.46 243.40 592.45 529.79 864.87 1,227.37 1,388.75 1,135.49 1,027.44 1,554.09 1,431.23 2,484.00 2,294.19 4,081.31 3,388.12 1,628.02 1,060.98 364.68 26,446.48

849.90 917.80 1,150.26 1,393.66 1,986.11 2,515.90 3,380.77 4,608.14 5,996.90 7,132.39 8,159.83 9,713.93 11,145.16 13,629.16 15,923.35 20,004.67 23,392.79 25,020.81 26,081.79 26,446.48

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 0 0 0 4 0 0 2 10 4 2 0 0 4 3 14 2 4 5 6 70

10 10 10 10 14 14 14 16 26 30 32 32 32 36 39 53 55 59 64 70

: : :

01/01/2011 15/06/2012 15/11/2012

404.20 404.20 404.20 404.20 429.96 429.96 429.96 1,291.48 2,279.97 2,325.98 2,481.64 2,481.64 2,481.64 2,518.66 2,519.39 4,154.63 4,163.45 4,224.13 4,319.04 4,642.28

47.56 0.00 0.00 0.00 4.35 0.00 0.00 70.19 71.18 4.05 15.15 0.00 0.00 1.49 0.03 40.07 0.26 3.73 8.95 88.64

47.56 44.04 35.14 29.00 21.65 17.09 12.72 28.03 38.02 32.61 30.41 25.55 22.27 18.48 15.82 20.77 17.80 16.88 16.56 17.55

17.55

Page 16 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2008 2945 Restaurant (Restoran)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,030 318 647 644 1,100 775 663 620 357 199 172 161 95 129 53 64 35 8 9 2 7,081

1,030 1,348 1,995 2,639 3,739 4,514 5,177 5,797 6,154 6,353 6,525 6,686 6,781 6,910 6,963 7,027 7,062 7,070 7,079 7,081

14.55 14.55 4.49 19.04 9.14 28.17 9.09 37.27 15.53 52.80 10.94 63.75 9.36 73.11 8.76 81.87 5.04 86.91 2.81 89.72 2.43 92.15 2.27 94.42 1.34 95.76 1.82 97.59 0.75 98.33 0.90 99.24 0.49 99.73 0.11 99.84 0.13 99.97 0.03 100.00

585.30 99.79 348.87 410.13 1,029.97 902.34 1,084.45 1,510.80 1,063.38 724.27 794.67 869.94 589.44 890.99 387.89 615.13 358.26 105.81 249.70 331.39 12,952.52

585.30 685.09 1,033.97 1,444.09 2,474.06 3,376.40 4,460.86 5,971.66 7,035.04 7,759.31 8,553.98 9,423.92 10,013.36 10,904.35 11,292.23 11,907.36 12,265.62 12,371.43 12,621.13 12,952.52

4.52 4.52 0.77 5.29 2.69 7.98 3.17 11.15 7.95 19.10 6.97 26.07 8.37 34.44 11.66 46.10 8.21 54.31 5.59 59.91 6.14 66.04 6.72 72.76 4.55 77.31 6.88 84.19 2.99 87.18 4.75 91.93 2.77 94.70 0.82 95.51 1.93 97.44 2.56 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 4 2 4 15 22 11 24 22 8 11 10 4 10 15 9 0 6 24 0 212

11 15 17 21 36 58 69 93 115 123 134 144 148 158 173 182 182 188 212 212

5.19 5.19 1.89 7.08 0.94 8.02 1.89 9.91 7.08 16.98 10.38 27.36 5.19 32.55 11.32 43.87 10.38 54.25 3.77 58.02 5.19 63.21 4.72 67.92 1.89 69.81 4.72 74.53 7.08 81.60 4.25 85.85 0.00 85.85 2.83 88.68 11.32 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 1,008.72 74.41 3.50 9.79 684.83 599.70 830.98 4,196.03 4,562.26 2,430.82 2,469.64 1,755.27 322.26 104.07 1,941.30 1,439.37 0.00 14.19 4,477.97 0.00 26,925.10

1,008.72 1,083.12 1,086.62 1,096.42 1,781.25 2,380.95 3,211.93 7,407.96 11,970.22 14,401.04 16,870.67 18,625.95 18,948.20 19,052.27 20,993.57 22,432.93 22,432.93 22,447.13 26,925.10 26,925.10

3.75 3.75 0.28 4.02 0.01 4.04 0.04 4.07 2.54 6.62 2.23 8.84 3.09 11.93 15.58 27.51 16.94 44.46 9.03 53.49 9.17 62.66 6.52 69.18 1.20 70.37 0.39 70.76 7.21 77.97 5.35 83.32 0.00 83.32 0.05 83.37 16.63 100.00 0.00 100.00

: : :

01/01/2008 15/06/2012 15/11/2012

LOSS RATIO PERCENTAGE BAND CUM. 172.34 74.56 1.00 2.39 66.49 66.46 76.63 277.74 429.03 335.62 310.77 201.77 54.67 11.68 500.48 233.99 0.00 13.41 1,793.34 0.00

172.34 158.10 105.09 75.92 72.00 70.52 72.00 124.05 170.15 185.60 197.23 197.65 189.23 174.72 185.91 188.40 182.89 181.44 213.33 207.88

207.88

Page 17 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2009 2945 Restaurant (Restoran)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 784 346 701 742 1,312 921 855 913 562 313 298 334 215 330 88 70 48 19 8 6 8,865

784 1,130 1,831 2,573 3,885 4,806 5,661 6,574 7,136 7,449 7,747 8,081 8,296 8,626 8,714 8,784 8,832 8,851 8,859 8,865

8.84 8.84 3.90 12.75 7.91 20.65 8.37 29.02 14.80 43.82 10.39 54.21 9.64 63.86 10.30 74.16 6.34 80.50 3.53 84.03 3.36 87.39 3.77 91.16 2.43 93.58 3.72 97.30 0.99 98.30 0.79 99.09 0.54 99.63 0.21 99.84 0.09 99.93 0.07 100.00

651.98 91.92 295.02 398.50 1,116.59 1,113.63 1,232.35 1,491.57 1,431.92 1,144.64 1,022.96 1,096.74 1,006.06 1,155.36 443.19 663.51 234.14 127.75 993.66 0.00 15,711.50

651.98 743.90 1,038.92 1,437.42 2,554.01 3,667.64 4,900.00 6,391.57 7,823.49 8,968.13 9,991.08 11,087.83 12,093.89 13,249.25 13,692.44 14,355.95 14,590.09 14,717.84 15,711.50 15,711.50

4.15 4.15 0.59 4.73 1.88 6.61 2.54 9.15 7.11 16.26 7.09 23.34 7.84 31.19 9.49 40.68 9.11 49.79 7.29 57.08 6.51 63.59 6.98 70.57 6.40 76.97 7.35 84.33 2.82 87.15 4.22 91.37 1.49 92.86 0.81 93.68 6.32 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 2 10 4 24 10 25 4 21 7 10 7 2 26 5 13 0 0 14 0 195

11 13 23 27 51 61 86 90 111 118 128 135 137 163 168 181 181 181 195 195

5.64 5.64 1.03 6.67 5.13 11.79 2.05 13.85 12.31 26.15 5.13 31.28 12.82 44.10 2.05 46.15 10.77 56.92 3.59 60.51 5.13 65.64 3.59 69.23 1.03 70.26 13.33 83.59 2.56 86.15 6.67 92.82 0.00 92.82 0.00 92.82 7.18 100.00 0.00 100.00

: : :

01/01/2009 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

180.58 100.00 83.33 61.41 677.14 28.64 2,568.87 133.67 1,433.78 54.57 49.54 96.63 31,398.42 6,267.47 25.53 525.34 0.00 0.00 49.11 0.00

27.70 108.79 28.24 15.41 60.64 2.57 208.45 8.96 100.13 4.77 4.84 8.81 3,120.92 542.47 5.76 79.18 0.00 0.00 4.94 0.00

43,734.04

180.58 280.58 363.91 425.32 1,102.46 1,131.10 3,699.97 3,833.64 5,267.42 5,321.99 5,371.53 5,468.17 36,866.59 43,134.06 43,159.59 43,684.93 43,684.93 43,684.93 43,734.04 43,734.04

0.41 0.41 0.23 0.64 0.19 0.83 0.14 0.97 1.55 2.52 0.07 2.59 5.87 8.46 0.31 8.77 3.28 12.04 0.12 12.17 0.11 12.28 0.22 12.50 71.79 84.30 14.33 98.63 0.06 98.69 1.20 99.89 0.00 99.89 0.00 99.89 0.11 100.00 0.00 100.00

27.70 37.72 35.03 29.59 43.17 30.84 75.51 59.98 67.33 59.34 53.76 49.32 304.84 325.56 315.21 304.30 299.42 296.82 278.36 278.36

278.36

Page 18 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2010 2945 Restaurant (Restoran)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 647 330 711 800 1,445 1,090 987 841 529 449 273 256 285 256 100 132 139 19 3 0 9,292

647 977 1,688 2,488 3,933 5,023 6,010 6,851 7,380 7,829 8,102 8,358 8,643 8,899 8,999 9,131 9,270 9,289 9,292 9,292

6.96 6.96 3.55 10.51 7.65 18.17 8.61 26.78 15.55 42.33 11.73 54.06 10.62 64.68 9.05 73.73 5.69 79.42 4.83 84.26 2.94 87.19 2.76 89.95 3.07 93.02 2.76 95.77 1.08 96.85 1.42 98.27 1.50 99.76 0.20 99.97 0.03 100.00 0.00 100.00

754.39 94.79 285.62 415.76 1,184.86 1,185.93 1,383.30 1,764.66 1,397.28 1,528.39 891.53 1,032.98 1,332.17 1,618.32 777.95 1,109.83 683.92 253.64 39.85 0.00 17,735.17

754.39 849.17 1,134.80 1,550.56 2,735.42 3,921.35 5,304.65 7,069.31 8,466.60 9,994.99 10,886.51 11,919.49 13,251.67 14,869.99 15,647.93 16,757.76 17,441.68 17,695.32 17,735.17 17,735.17

4.25 4.25 0.53 4.79 1.61 6.40 2.34 8.74 6.68 15.42 6.69 22.11 7.80 29.91 9.95 39.86 7.88 47.74 8.62 56.36 5.03 61.38 5.82 67.21 7.51 74.72 9.12 83.84 4.39 88.23 6.26 94.49 3.86 98.35 1.43 99.78 0.22 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 6 0 4 10 10 4 2 0 12 10 16 17 4 7 4 3 0 0 115

6 6 12 12 16 26 36 40 42 42 54 64 80 97 101 108 112 115 115 115

5.22 5.22 0.00 5.22 5.22 10.43 0.00 10.43 3.48 13.91 8.70 22.61 8.70 31.30 3.48 34.78 1.74 36.52 0.00 36.52 10.43 46.96 8.70 55.65 13.91 69.57 14.78 84.35 3.48 87.83 6.09 93.91 3.48 97.39 2.61 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 434.63 0.00 29.64 0.00 12.64 287.59 987.99 0.00 0.36 0.00 3,926.23 162.94 515.60 8,325.43 10.33 43.37 8.30 136.94 0.00 0.00 14,881.99

434.63 434.63 464.27 464.27 476.91 764.51 1,752.49 1,752.49 1,752.85 1,752.85 5,679.08 5,842.02 6,357.62 14,683.06 14,693.39 14,736.75 14,745.05 14,881.99 14,881.99 14,881.99

2.92 2.92 57.61 0.00 2.92 0.00 0.20 3.12 10.38 0.00 3.12 0.00 0.08 3.20 1.07 1.93 5.14 24.25 6.64 11.78 71.42 0.00 11.78 0.00 0.00 11.78 0.03 0.00 11.78 0.00 26.38 38.16 440.39 1.09 39.26 15.77 3.46 42.72 38.70 55.94 98.66 514.45 0.07 98.73 1.33 0.29 99.02 3.91 0.06 99.08 1.21 0.92 100.00 53.99 0.00 100.00 0.00 0.00 100.00 0.00

57.61 51.18 40.91 29.94 17.43 19.50 33.04 24.79 20.70 17.54 52.17 49.01 47.98 98.74 93.90 87.94 84.54 84.10 83.91 83.91

83.91

Page 19 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

BAND 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

: : :

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

TOTAL FR, IAR, LOP, EQ 2011 2945 Restaurant (Restoran)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 712 281 572 695 1,243 1,230 1,056 918 606 336 326 429 490 455 209 292 181 35 18 2 10,086

712 993 1,565 2,260 3,503 4,733 5,789 6,707 7,313 7,649 7,975 8,404 8,894 9,349 9,558 9,850 10,031 10,066 10,084 10,086

7.07 7.07 2.79 9.86 5.68 15.53 6.90 22.43 12.34 34.77 12.21 46.98 10.48 57.46 9.11 66.57 6.01 72.59 3.33 75.92 3.24 79.16 4.26 83.41 4.86 88.28 4.52 92.79 2.07 94.87 2.90 97.77 1.80 99.56 0.35 99.91 0.18 100.09 0.02 100.11

815.59 113.61 237.27 394.03 1,028.60 1,520.55 1,537.78 1,784.65 1,304.09 953.40 903.47 1,202.89 1,592.08 1,733.58 969.32 1,301.61 787.00 282.65 210.68 9.01 18,681.85

815.59 929.20 1,166.46 1,560.49 2,589.10 4,109.65 5,647.42 7,432.07 8,736.16 9,689.56 10,593.03 11,795.92 13,388.00 15,121.59 16,090.90 17,392.51 18,179.50 18,462.16 18,672.84 18,681.85

4.37 4.37 0.61 4.98 1.27 6.25 2.11 8.36 5.51 13.87 8.14 22.01 8.24 30.25 9.56 39.81 6.99 46.80 5.11 51.90 4.84 56.74 6.44 63.19 8.53 71.71 9.29 81.00 5.19 86.19 6.97 93.16 4.22 97.38 1.51 98.89 1.13 100.02 0.05 100.07

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 0 0 6 6 6 6 3 0 2 1 5 2 2 6 0 0 0 0 51

6 6 6 6 12 18 24 30 33 33 35 36 41 43 45 51 51 51 51 51

11.76 0.00 0.00 0.00 11.76 11.76 11.76 11.76 5.88 0.00 3.92 1.96 9.80 3.92 3.92 11.76 0.00 0.00 0.00 0.00

11.76 11.76 11.76 11.76 23.53 35.29 47.06 58.82 64.71 64.71 68.63 70.59 80.39 84.31 88.24 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/06/2012 15/11/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 846.58 0.00 0.00 0.00 202.46 74.47 40.58 33.88 737.82 0.00 29.18 0.00 44.63 0.00 9.56 113.17 0.00 0.00 0.00 0.00 2,132.33

846.58 846.58 846.58 846.58 1,049.05 1,123.52 1,164.10 1,197.97 1,935.80 1,935.80 1,964.97 1,964.97 2,009.61 2,009.61 2,019.16 2,132.33 2,132.33 2,132.33 2,132.33 2,132.33

39.70 0.00 0.00 0.00 9.50 3.49 1.90 1.59 34.60 0.00 1.37 0.00 2.09 0.00 0.45 5.31 0.00 0.00 0.00 0.00

39.70 103.80 103.80 39.70 0.00 91.11 39.70 0.00 72.58 39.70 0.00 54.25 49.20 19.68 40.52 52.69 4.90 27.34 54.59 2.64 20.61 56.18 1.90 16.12 90.78 56.58 22.16 90.78 0.00 19.98 92.15 3.23 18.55 92.15 0.00 16.66 94.24 2.80 15.01 94.24 0.00 13.29 94.69 0.99 12.55 100.00 8.69 12.26 100.00 0.00 11.73 100.00 0.00 11.55 100.00 0.00 11.42 100.00 0.00 11.41 11.41

Page 20 of 20