statistic report 2014 juni 30

1

INDONESIAN EARTHQUAKE INSURANCE STATISTIC

AS AT 30 JUNE 2014

i

Dengan Hormat,

Sesuai dengan tujuan pendirian MAIPARK,

MAIPARK selalu berupaya untuk memberikan

pelayanan yang terbaik bagi Industri Asuransi

Umum di Indonesia khususnya mengenai

statistik dan pengetahuan risiko gempa bumi.

Dukungan dari seluruh perusahaan asuransi

umum sangat berarti bagi kami dalam upaya

pengembangan Laporan Statistik ini.

Kami berharap Laporan Statistik ini dapat

memberikan manfaat tidak hanya bagi

perusahaan yang menangani asuransi gempa

bumi, namun juga bagi industri asuransi umum

di Indonesia.

Hormat kami,

Dear Sir / Madam,

In line with the purpose of MAIPARK

establishment, MAIPARK always strive to

provide the best service for General Insurance

Industry in Indonesia particularly regarding

statistic and knowledge of Earthquake risks.

Support from the General Insurance Industry will

be meaningful to us in order to improve this

Statistic Report.

We hope this Statistic Report will be beneficial

not only to the insurance companies which write

earthquake insurance but also to the whole

general insurance industry in Indonesia.

Sincerely,

Kata Pengantar

Foreword

Dr. Frans Y. Sahusilawane

President Director

ii

Hal.

Kata Pengantar ... i

Daftar Isi ... ii

Informasi Statistik ... v

Ikhtisar Statistik Asuransi Gempa Bumi

Indonesia Juni 2014 ...

A. Umum ... 1

B. Struktur Pasar ... 1

C. Premi Bruto ... 1

D. Jumlah Risiko ... 3

E. Incurred Claim ... 4

Exposure Asuransi Gempa Bumi Indonesia ...

Tabel 2.1. Exposure Per Cresta Zone ... 9

Tabel 2.2. Exposure Per Okupasi ... 11

Tabel 2.3. Exposure Per Interest... 13

Tabel 2.4. Exposure Per Provinsi ... 15

Premi Bruto Asuransi Gempa Bumi Indonesia

...

…

.

Tabel 3.1. Gross Premium Per Cresta Zone .. 16

Tabel 3.2. Gross Premium Per Okupasi ... 18

Tabel 3.3. Gross Premium Per Provinsi ... 20

Jumlah Risiko Asuransi Gempa Bumi

Indonesia ...

Tabel 4.1. Jumlah Risiko Per Cresta Zone ... 21

Tabel 4.2. Jumlah Risiko Per Okupasi ... 23

Klaim Asuransi Gempa Bumi Indonesia ...

Tabel 5.1. Klaim Frekwensi Per Okupasi ... 25

Tabel 5.2. Klaim Frekwensi Per Cresta Zone . 27

Tabel 5.3. Klaim Per Okupasi ... 29

Tabel 5.4. Klaim Per Cresta Zone ... 31

Page

Foreword ... i

Contents ... ii

Statistic Information ... v

Statistic Overview of Indonesian Earthquake

Insurance June 2014 ...

A. General ... 1

B. Market Structure ... 1

C. Gross Premium ... 1

D. Number of Risk ... 3

E. Incurred Claim ... 4

Indonesian Earthquake Insurance Exposure ...

Table 2.1. Exposure By Cresta Zone ... 9

Table 2.2. Exposure By Occupation ... 11

Table 2.3. Exposure By Interest ... 13

Table 2.4. Exposure By Province ... 15

Indonesian Earthquake Insurance Gross

Premium ...

Table 3.1. Gross Premium By Cresta Zone ... 16

Table 3.2. Gross Premium By Occupation .... 18

Table 3.3. Gross Premium By Province ... 20

Indonesian Earthquake Insurance Number of

Risks ...

Table 4.1. Number of Risk By Cresta Zone ... 21

Table 4.2. Number of Risk By Occupation .... 23

Indonesian Earthquake Insurance Claim ...

Table 5.1. Claim Frequency By Occupation .. 25

Table 5.2. Claim Frequency By Cresta Zone .. 27

Table 5.3. Claim By Occupation . ... 29

Table 5.4 Claim By Cresta Zone ... 31

Daftar Isi

iii

Profil Risiko dan Klaim ...

Underwriting Year 2010 - 2014,

Seluruh Okupasi ... 33

Underwriting Year 2014, Seluruh Okupasi ... 34

Underwriting Year 2013, Seluruh Okupasi ... 35

Underwriting Year 2012, Seluruh Okupasi ... 36

Underwriting Year 2011, Seluruh Okupasi ... 37

Underwriting Year 2010, Seluruh Okupasi ... 38

Profil Risiko dan Klaim Underwriting Year

2014 Per Okupasi ...

Okupasi Agrikultural ... 39

Okupasi Komersial ... 40

Okupasi Industrial ... 41

Okupasi Residensial ... 42

Profil Risiko dan Klaim Underwriting Year

2013 Per Okupasi ...

Okupasi Agrikultural ... 43

Okupasi Komersial ... 44

Okupasi Industrial ... 45

Okupasi Residensial ... 46

Profil Risiko dan Klaim Underwriting Year

2012 Per Okupasi ...

Okupasi Agrikultural ... 47

Okupasi Komersial ... 48

Okupasi Industrial ... 49

Okupasi Residensial ... 50

Profil Risiko dan Klaim Underwriting Year

2011 Per Okupasi ...

Okupasi Agrikultural ... 51

Okupasi Komersial ... 52

Okupasi Industrial ... 53

Okupasi Residensial

... 54

Risk and Loss Profile ...

Underwriting Year 2010 - 2014,

All Occupation ... 33

Underwriting Year 2014, All Occupation ... 34

Underwriting Year 2013, All Occupation ... 35

Underwriting Year 2012, All Occupation ... 36

Underwriting Year 2011, All Occupation ... 37

Underwriting Year 2010, All Occupation ... 38

Risk and Loss Profile Underwriting Year

2014 By Occupation

….

...

Agricultural Occupation ... 39

Commercial Occupation ... 40

Industrial Occupation ... 41

Residential Occupation ... 42

Risk and Loss Profile Underwriting Year

2013 By Occupation

….

...

Agricultural Occupation ... 43

Commercial Occupation ... 44

Industrial Occupation ... 45

Residential Occupation ... 46

Risk and Loss Profile Underwriting Year

2012 By Occupation

….

...

Agricultural Occupation ... 47

Commercial Occupation ... 48

Industrial Occupation ... 49

Residential Occupation ... 50

Risk and Loss Profile Underwriting Year

2011 By Occupation

….

...

Agricultural Occupation ... 51

Commercial Occupation ... 52

Industrial Occupation ... 53

iv

Profil Risiko dan Klaim Underwriting Year

2010 Per Okupasi ...

Okupasi Agrikultural ... 55

Okupasi Komersial... 56

Okupasi Industrial ... 57

Okupasi Residential ... 58

Peta

Distribusi Exposure Gempa Bumi Indonesia per

Provinsi,

Underwriting Year

2014, per 30 Juni 2014

……..

... 59

Distribusi Gempa Bumi Indonesia M > 5 dan

Claim

Incurred

2014

……

... 60

Distribusi Exposure Gempa Bumi Indonesia per

Provinsi, Underwriting Year 2014, per 30 Juni

2014, Distribusi Gempa Bumi Indonesia M > 5

dan Claim Incurred UY 2014

……….

... 61

Damage Ratio

………

.. ... 62

Ulasan Aktuaria

……….………. 64

Lampiran

1.

Daftar Istilah ... 69

2.

Tarif Asuransi Gempa Bumi Indonesia

….

... 71

3.

Skala First Loss ... 73

4.

Tabel jangka Waktu Pertanggungan

Kurang Dari Satu Tahun ... 74

5.

Skala Indemnity Period ... 75

6.

Tabel Cresta Zone dan Zona ………..

76

Referensi

1.

Otoritas Jasa Keuangan (OJK).

2.

Badan Pusat Statistik (BPS).

*)

Laporan Statistik ini dapat diperoleh di website

PT Reasuransi MAIPARK Indonesia

www.maipark.com

Risk and Loss Profile Underwriting Year

2010 By Occupation ...

Agricultural Occupation ... 55

Commercial Occupation ... 56

Industrial Occupation ... 57

Residential Occupation ... 58

Map

Indonesian Earthquake Exposure Distribution By

Province, Underwriting Year 2014, as at 30 June

2014 ... 59

Indonesian Earthquake Distribution M > 5 and

Claim Incurred 2014

………

..

…

.. ... 60

Indonesian Earthquake Exposure Distribution

By Province, Underwriting Year 2014, as at 30

June 2014 , Indonesian Earthquake

Distribution M > 5 and Claim Incurred 2014 . 61

Damage Ratio

………

.. ... 62

Actuarial

Commentary

……..

………

.

……….

64

Attachments

1.

Glossaries ... 69

2.

Indonesian Earthquake Insurance

Tariff ... 71

3.

First Loss Scale ... 73

4.

Short Period Table Less Than One Year

Period ... 74

5.

Indemnity Period Scale ... 75

6.

Cresta Zone and Zone Table………

76

Reference

1.

Financial Services Authority (OJK).

2.

Central of Statistics Bureau (BPS).

*)

Statistic Report is available on PT Reasuransi

MAIPARK Indonesia

‘s

Website

v

1.

Statistik dibuat berdasarkan

Underwriting

Year

yang tercatat sampai dengan posisi

30 Juni 2014.

2.

Sesi Limit

2.1.

Limit Sesi atas setiap risiko (

any

one risk

) untuk gabungan kerugian

fisik dan gangguan usaha adalah

sebagai berikut:

2.1.1 Untuk daerah Jawa Barat,

Banten dan DKI:



5% (lima prosen) dari

jumlah

seluruh

pertanggungan (

total

sum

insured

)

maksimum

USD

2,500,000.00 (dua juta

lima ratus ribu Dollar

Amerika) atas setiap

risiko,

setiap

perusahaan asuransi

atau penerbit polis

untuk

Underwriting

Year

2010, 2011 dan

2012.



5% (lima prosen) dari

jumlah

seluruh

pertanggungan (

total

sum

insured

)

maksimum

Rp.

25,000,000,000.00

(dua puluh lima miliar

Rupiah) atau yang

setara dengan USD

2,631,578.00 (dua juta

enam ratus tiga puluh

satu lima ratus tujuh

puluh delapan Dollar

Amerika) atas setiap

risiko,

setiap

perusahaan asuransi

atau penerbit polis

1.

Statistic Report is based on Underwriting

Year basis, which is recorded as at 30

June 2014.

2.

Cession Limit

2.1.

Cession Limit of any one risk for the

combined material damage and

business interruption are as follows:

2.1.1

For West Java, Banten and

DKI:



5% (five percent) of the

total sum insured,

being a maximum of

USD

2,500,000.00

(two

million

five

hundred thousand U.S.

Dollars) for any one

risk, each insurance

company or policy

issuer for Underwriting

Year 2010, 2011 and

2012.



5% (five percent) of the

total sum insured,

being a maximum of

Rp.25,000,000,000.00

(twenty five billion

Indonesian Rupiahs)

or equal to USD

2,631,578.00

(two

million six hundred

thirty one thousand five

hundred seventy eight

U.S. Dollars) for any

one

risk,

each

insurance company or

policy

issuer

for

Underwriting

Year

2013.

Informasi Statistik

Statistic Information

vi

Untuk

Underwriting

Year

2013.

2.1.2

Untuk daerah Indonesia

lainnya:



25% (dua puluh lima

prosen) dari jumlah

seluruh

pertanggungan (

total

sum

insured

)

maksimum

USD

2,500,000.00 (dua juta

lima ratus ribu Dollar

Amerika) atas setiap

risiko,

setiap

perusahaan asuransi

atau penerbit polis

untuk

Underwriting

Year

2010, 2011 dan

2012.



25% (dua puluh lima

prosen) dari jumlah

seluruh

pertanggungan (

total

sum

insured

)

maksimum

Rp.

25,000,000,000.00

(dua puluh lima miliar

Rupiah) atau yang

setara dengan USD

2,631,578.00 (dua juta

enam ratus tiga puluh

satu lima ratus tujuh

puluh delapan Dollar

Amerika) atas setiap

risiko,

setiap

perusahaan asuransi

atau penerbit polis

untuk

Underwriting

Year

2013.

2.1.3

Terhitung sejak 1 Januari

2014 Limit Sesi atas setiap

risiko (any one risk) untuk

gabungan kerugian fisik

dan

gangguan

usaha

adalah 15% (lima belas

prosen)

dari

jumlah

seluruh

pertanggungan

(

total sum insured

)

2.1.2.

For other Indonesia areas:



25%

(twenty

five

percent) of the total

sum insured, being a

maximum

of

USD

2,500,000.00

(two

million five hundred

thousand U.S. Dollars)

for any one risk, each

insurance company or

policy

issuer

for

Underwriting

Year

2010, 2011 and 2012.



25%

(twenty

five

percent) of the total

sum insured, being a

maximum

of

Rp.25,000,000,000.00

(twenty five billion

Indonesian Rupiahs)

or equal to USD

2,631,578.00

(two

million six hundred

thirty one thousand five

hundred seventy eight

U.S. Dollars) for any

one

risk,

each

insurance company or

policy

issuer

for

Underwriting

Year

2013.

2.1.3.

Since January 1, 2014,

Cession Limit of any one

risk for the combined

material

damage

and

business interruption is

15% (fifteen percent) of the

total sum insured, being a

maximum of

vii

maksimum

USD

3,500,000.00 (tiga juta lima

ratus ribu Dollar Amerika)

atas setiap risiko, setiap

perusahaan asuransi atau

penerbit

polis

untuk

Underwriting

Year

2014.

2.2 Yang dimaksud dengan setiap risiko

(

anyone risk

) adalah akumulasi

(

aggregate

)

jumlah

harga

pertanggungan seluruh risiko pada

lokasi yang sama untuk

masing-masing

perusahaan

asuransi.

Definisi setiap risiko atau setiap

lokasi ditentukan oleh perusahaan

asuransi dalam

underwriting

polis

kebakaran

2.3

Dalam hal penutupan secara

First

Loss Basis / Sub-limit

, jumlah yang

disesikan

sebagaimana

diatur

dalam butir 2.1 diatas, dikalikan

prosentase

First Loss Scale

.

2.4

Untuk risiko yang ditutup secara

ko-asuransi, jumlah maksimum sesi

dari semua anggota ko-asuransi

adalah sesuai dengan ketentuan

yang diatur dalam 2.1 diatas. Sesi

masing-masing perusahaan adalah

proporsional sebanding sahamnya

dalam ko-asuransi.

Dalam hal terdapat penutupan lain

selain polis ko-asuransi tersebut

pada obyek pertanggungan yang

sama, perusahaan asuransi tetap

dapat mensesikan risiko dimaksud,

dengan catatan jumlah seluruh sesi

perusahaan

asuransi

bersangkutan

tidak

melebihi

ketentuan yang diatur pada butir

2.1.

USD 3,500,000.00 (three

million

five

hundred

thousand U.S. Dollars) for

any

one

risk,

each

insurance company or

policy

issuer

for

Underwriting Year 2014.

2.2 Anyone risk is the accumulation

(aggregate) of total sum insured of

all risks at the same location for

each insurance company. The

definition of anyone risk or any

location is specified by the insurer

or policy issuer in accordance with

the fire underwriting policy.

2.3

In First Loss Basis / Sub Limit

policies, the amount ceded is

stipulated in point 2.1 above, then

multiplied by the percentage of First

Loss Scale.

2.4

For risks which are covered by

co-insurance, the maximum cession

from all members of coinsurance is

stipulated in point 2.1 above. Each

ceding

company

cedes

proportionally depending on its

co-insurance share.

If there are policies other than

co-insurance policy on the same

insured object, the insurer is still able

to cede such risk subject to total

insurance company’s

cession not

viii

3.

Tarif Premi Asuransi Gempa Bumi

Indonesia

3.1. Penutupan

Full Value Basis

mengaplikasikan

Tarif

Premi

Standar Gempa Bumi Indonesia

(lampiran 2).

3.2. Penutupan

First Loss / Sub Limit

Basis

mengaplikasikan standar

First Loss Scale

(lampiran 3).

3.3. Perhitungan

premi

untuk

penutupan kurang dari 12 (dua

belas) bulan diberlakukan skala

premi jangka pendek (lampiran 4)

3.4. Untuk perhitungan

premi Business

Interruption

diberlakukan

Indemnity

Period Scale

(lampiran 5).

4.

Obyek Pertanggungan

4.1 Obyek pertanggungan yang dapat

disesikan

adalah

obyek

pertanggungan asuransi kebakaran

berupa:

4.1.1. Kerusakan Fisik:



Bangunan



Pondasi



Penggalian dan

Sejenisnya



Persediaan Barang



Lain-lain

4.1.2 Gangguan Usaha:



Keuntungan Bruto



Upah



Kenaikan

Biaya

Operasional



Lain-lain

4.2 Penutupan sebagaimana dimaksud

pada butir 4.1. adalah yang ditutup

secara langsung (

direct business

)

termasuk ko-asuransi. Penutupan

tidak langsung (

indirect business /

reasuransi) tidak dapat disesikan.

3.

Indonesian

Standard

Earthquake

Premium Tariff

3.1.

For the coverage of Full Value

Basis, apply Indonesian Standard

Earthquake

Premium

Tariff

(attachment 2).

3.2.

For the First Loss / Sub Limit Basis

coverage apply standard First Loss

Scale (attachment 3).

3.3.

Premium calculation for short

period coverage is based on Short

Period Scale (attachment 4).

3.4.

Premium calculation for business

interruption is based on Indemnity

Period Scale (attachment 5).

4.

Insured Object

4.1.

Insured object which can be ceded

is fire insurance object such as:

4.1.1.

Material damage:



Building



Foundation



Excavation and

the like



Stock



Others

4.1.2.

Business Interruption



Gross Profit



Wages



Increase in cost of

working



Others

4.2.

Insured object referred in point 4.1

is

direct

business,

including

coinsurance. Indirect business /

reinsurance cannot be ceded.

ix

5.

Pelaporan Bordero

Pelaporan bordero dilakukan setiap

bulannya untuk semua risiko yang ditutup

pada bulan yang bersangkutan dan sudah

harus diterima selambat-lambatnya pada

akhir bulan berikutnya

5.

Bordereaux Submission

Bordereaux submission is on a monthly

basis for all risks underwritten in the

month concerned and should be received

by the end of the following month at the

latest.

1

A.

Umum

Berdasarkan data Badan Pusat Statistik,

Perekonomian Indonesia pada triwulan II-2014

sebagaimana diukur dari Produk Domestik

Bruto

(PDB),

tumbuh

sebesar

2,47%

dibandingkan triwulan I-2014 (q-

to

-q). Nilai

Produk Domestik Bruto (PDB) Indonesia atas

dasar harga konstan 2000 pada triwulan II-2014

mencapai Rp. 724,1 triliun sedangkan pada

triwulan I-2014 sebesar Rp. 706,7 triliun. Bila

dilihat berdasarkan harga berlaku, PDB triwulan

II-2014 adalah sebesar Rp. 2.480,8 triliun

sedangkan triwulan I-2014 adalah Rp. 2.404,0

triliun.

B. Struktur Pasar

Berdasarkan data Otoritas Jasa Keuangan

pada buku Direktori Perasuransian Indonesia

2013:

Industri

Keuangan

NonBank

Perasuransian,

terdapat

82

perusahaan

asuransi umum yang memiliki izin beroperasi di

Indonesia.

C. Premi Bruto

Sampai dengan 30 Juni 2014, premi bruto

asuransi gempa bumi

Underwriting Year

2010

adalah sebesar Rp.

2.117,0

miliar. Premi bruto

untuk

Underwriting Year

2011 tercatat

A. General

Based on Central of Statistics Bureau Data,

Indonesian economic in second quarter 2014 as

measured by Gross Domestic Product (GDP)

increased by 2.47 % compared with first quarter

2014 (q-to-q). Gross Domestic Product (GDP)

based on Constant Price 2000 in second quarter

2014 reached the amount of Rp. 724.1 trillion

while in first quarter 2014 was Rp. 706.7 trillion.

If it is based on Current Market Price, GDP in

second quarter 2014 was Rp. 2,480.8 trillion

while in first quarter 2014 was Rp. 2,404.0

trillion.

B. Market Structure

Based on Financial Services Authority data

in the book of Indonesian Insurance Directory

2013: NonBank Financial Institution Insurance,

there are 82 general insurers having operating

licenses in Indonesia.

C. Gross Premium

As at 30 June 2014, earthquake gross

premium for Underwriting Year 2010 was Rp.

2,117.0 billion. Gross premium for Underwriting

Year 2011 was recorded

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2014

2

Rp.

2.814,5

miliar,

sedangkan

untuk

Underwriting Year

2012 adalah Rp. 2.642,1

miliar. Untuk

Underwriting Year

2013 dan 2014

adalah Rp. 3.668,1 miliar dan Rp. 516,4 miliar.

Angka

–

angka ini akan terus bergerak naik

terutama untuk

Underwriting Year

2013 dan

2014.

Tabel 1.1 di bawah ini menyajikan rincian

premi bruto berdasarkan jenis okupasi dari

Underwriting Year

2010 hingga

Underwriting

Year

2014. Prosentase okupasi Industrial selalu

berada pada posisi pendapatan tertinggi

dibanding 3 (tiga) okupasi lainnya (Agrikultural,

Komersial, Residensial), yaitu di atas 52% dari

total premi.

Meskipun okupasi Komersial, Residensial

dan Agrikultural tidak memberikan kontribusi

premi sebesar okupasi Industrial, namun ketiga

okupasi tersebut memperlihatkan pertumbuhan

premi yang cukup signifikan. Hal ini terlihat

terutama pada premi okupasi Komersial pada

Underwriting Year

2011 yang meningkat

sebesar 72,81% dari Rp. 434.867,35 juta di

Underwriting Year 2010

menjadi Rp. 751.510,36

juta.

Rp. 2,814.5

billion, while for Underwriting Year

2012 was Rp. 2,642.1 billion. For Underwriting

Year 2013 and 2014 were Rp. 3,668.1

billion

and Rp. 516.4

billion.

These figures would

certainly increase especially for Underwriting

Year 2013 and 2014.

The table 1.1 below shows the details of

gross premium based on occupation from

Underwriting Year 2010 to Underwriting Year

2014. Industrial occupation always has the

biggest percentage income compared to 3

(three) remaining occupations (Agricultural,

Commercial, Residential), that is above 52%

from premium total.

Although occupation of Commercial,

Residential and Agricultural do not contribute

premium as much as Industrial occupation,

those three occupation show significant

premium growth. In this case, the premium

under Commercial occupation in Underwriting

Year 2011 increased by 72.81% from Rp.

434,867.35 million in Underwriting Year 2010 to

Rp. 751,510.36 million.

Dalam Jutaan Rupiah

In Million Rupiah

2010 20,834.91 0.98% 434,867.35 20.54% 1,298,239.11 61.32% 363,102.65 17.15% 2,117,044.01 2011 23,897.32 0.85% 751,510.36 26.70% 1,696,606.14 60.28% 342,435.36 12.17% 2,814,449.18 2012 29,417.83 1.11% 640,941.40 24.26% 1,626,955.35 61.58% 344,745.14 13.05% 2,642,059.72 2013 30,249.21 0.82% 1,299,163.03 35.42% 1,936,516.72 52.79% 402,150.84 10.96% 3,668,079.80 2014 5,076.33 0.98% 139,781.96 27.07% 280,452.09 54.31% 91,091.67 17.64% 516,402.03

T O T A L 109,475.60 3,266,264.10 6,838,769.40 1,543,525.66 11,758,034.75

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2014

Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2014

Agrikultural / Agricultural

Okupasi

Total

Underwriting

3

D. Jumlah Risiko

Tabel 1.2 di bawah ini menyajikan jumlah

risiko pada

Underwriting Year

2010 hingga

Underwriting Year

2014 yang tercatat sampai

dengan 30 Juni 2014.

D. Number of Risks

Table 1.2 below shows the number of risks

from Underwriting Year 2010 to Underwriting

Year 2014 recorded until 30 June 2014.

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2014

Table 1.2 Number of Risk By Occupation as at 30 June 2014

Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Agricultural / Agricultural A 441 0.27 379 0.23 420 0.24 437 0.25 71 0.23 Komersial / Commercial C 83,090 50.49 91,401 55.09 94,290 54.80 94,194 52.91 12,988 41.59 Industrial / Industrial I 13,867 8.43 14,995 9.04 16,282 9.46 17,166 9.64 2,373 7.60 Residensial / Residential R 67,168 40.82 59,127 35.64 61,077 35.50 66,245 37.21 15,796 50.58

164,566 100.00 165,902 100.00 172,069 100.00 178,042 100.00 31,228 100.00 U/Y 2013 U/Y 2014

Occupation

Jumlah / Total

Okupasi U/Y 2010 U/Y 2011 U/Y 2012

Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2014

4

Jumlah risiko terbesar untuk setiap

Underwriting Year

, dalam hal ini dari

Underwriting Year

2010 sampai dengan

Underwriting Year

2014 ada pada okupasi

Komersial, yaitu selalu berada pada rasio di atas

41% dari total risiko. Kemudian diikuti oleh

okupasi Residensial dengan rasio di atas 35%.

Jika terdapat asosiasi antara kontribusi

premi dengan banyaknya risiko maka belum

tentu asosiasi tersebut berbentuk linear dan

positif. Hal ini dibuktikan dengan apabila melihat

dari premi bruto tertinggi berada di okupasi

industrial sedangkan banyak risiko tertinggi

berada pada okupasi komersial.

E. Incurred Claim

Berdasarkan tabel 1.3 di bawah ini frekuensi

klaim gempa bumi paling banyak terjadi di

Underwriting Year

2011 yaitu sebanyak 94 klaim

dan didominasi okupasi Komersial sebanyak 67

klaim. Hal ini disebabkan oleh kejadian gempa

bumi di 2011 yaitu Gempa Bumi Nusa Dua pada

tanggal 13 Oktober 2011 dengan kekuatan 6,8

S.R dan Gempa Bumi Sibolga pada tanggal 6

November 2011 dengan kekuatan 6,7 S.R.

The highest number of risks for each

Underwriting Year, in this case from

Underwriting Year 2010 to Underwriting Year

2014, is under Commercial occupation, which is

always on the ratio above 41% from the total

risk. Then, it is followed by Residential

occupation with ratio above 35%.

If there is any association between the

premium contribution and the number of risks

then the association is not necessarily linear nor

positive. This is proved which the highest gross

premium is on the industrial occupation while the

highest total risk is under commercial

occupation.

E. Incurred Claim

Based on table 1.3 below,

the highest

earthquake claim frequency occurred in

underwriting year 2011 was 94 claims and it

dominated by Commercial occupation of 67

claims. It was caused by Earthquakes in 2011

namely Nusa Dua Earthquake on 13 October

2011 with a magnitude of 6.8 S.R and Sibolga

Earthquake on 6 November

2011

with a

magnitude of 6.7 S.R.

5

Berdasarkan Tabel 1.4 dan grafik di bawah

ini terlihat bahwa untuk frekwensi klaim tinggi

berada pada Total Incurred Claim yang relative

kecil, sedangkan untuk frekwensi klaim kecil

berada pada Total Incurred Claim yang relative

besar.

Based on table 1.4 and graph below it can

be seen that the high frequency claims lies in

relatively small Total Claim Incurred, while low

frequency claims lies in relatively big Total Claim

Incurred.

2010

2011

2012

2013

2014

Agrikultural /

Agricultural

A

0

0

0

0

0

Komersial /

Commercial

C

43

67

14

23

1

Industrial /

Industrial

I

1

0

0

4

0

Residensial /

Residential

R

9

27

1

5

0

53

94

15

32

1

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2014

Table 1.3 Claim Frequency By Occupation as at 30 June 2014

Occupation

Jumlah /

Total

Underwriting Year

Okupasi

*) Dalam Rupiah

*) In Rupiah

Frekwensi Total Incurred Claim Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah Frequency Total Claim Incurred Average Claim Incurred Highest Claim Incurred Lowest Claim Incurred 0 - 50 16 411,809,547 25,738,097 50,000,000 3,997,822 50

- 100 2 200,000,000 100,000,000 100,000,000 100,000,000 100

- 200 1 150,000,000 150,000,000 150,000,000 150,000,000 200

- 300 3 850,000,000 283,333,333 300,000,000 250,000,000 300

- 500 0 0 0 0 0

500

- 750 1 580,550,000 580,550,000 580,550,000 580,550,000 750

- 1,000 0 0 0 0 0

1,000

- 1,500 4 4,973,575,000 1,243,393,750 1,451,375,000 1,161,100,000 1,500

- 2,000 1 1,600,000,000 1,600,000,000 1,600,000,000 1,600,000,000 2,000

- 2,500 0 0 0 0 0

2,500

- 3,000 0 0 0 0 0

3,000

- 4,000 0 0 0 0 0

4,000

- 5,000 1 4,296,070,000 4,296,070,000 4,296,070,000 4,296,070,000 5,000

- 7,500 0 0 0 0 0

7,500

- 10,000 1 8,000,000,000 8,000,000,000 8,000,000,000 8,000,000,000 10,000

- 20,000 0 0 0 0 0

20,000

- 50,000 1 34,833,000,000 34,833,000,000 34,833,000,000 34,833,000,000 50,000

- 100,000 0 0 0 0 0

100,000

- 500,000 1 242,000,000,000 242,000,000,000 242,000,000,000 242,000,000,000 500,000

- up 0 0 0 0 0

32

297,895,004,547 Claim Incurred (BAND)*)

Incurred Claim (BAND) *)

Total

Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2013 Per 30 Juni 2014 Table 1.4 Frequency Incurred Claim Underwriting Year 2013 as at 30 June 2014

6

Dengan melihat tabel 1.5 tampak bahwa

jumlah klaim terbesar berada pada Underwriting

Year 2013. Klaim yang terbesar adalah pada

okupasi Komersial, yaitu 98,90% dari total klaim

di

Underwriting Year

2013 atau sebesar Rp.

294,6 miliar.

Tabel 1.6 di bawah ini menyajikan kejadian

Gempa Bumi Tahun 2014 dan

Incurred Claim

sampai dengan 30 Juni 2014.

Looking at table 1.5 below, it shows that the

largest claim is in the Underwriting Year 2013.

The largest claim is under Commercial

occupation that is 98.90% of the total claim in

Underwriting Year 2013 or Rp. 294.6 billion.

Table 1.6 below shows earthquake events

occurred in 2014 and the corresponding

incurred claims as at 30 June 2014.

Table 1.5 Claim Amount By Occupation as at 30 June 2014

Dalam Rupiah

In Rupiah

2010

2011

2012

Jumlah /

Amount

%

Jumlah /

Amount

%

Jumlah /

Amount

%

Jumlah /

Amount

%

Jumlah /

Amount

%

Agrikultural / Agricultural A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Komersial / Commercial C 42,467,094,914.28 97.40 15,983,627,307.09 97.66 1,670,541,980.54 97.09 294,622,986,325.04 98.90 104,499,000.00 0.00

Industrial / Industrial I 760,224,542.70 1.74 0.00 0.00 0.00 0.00 3,188,073,400.00 1.07 0.00 0.00

Residensial / Residential R 371,785,430.40 0.85 383,658,539.04 2.34 50,000,000.00 2.91 83,944,822.00 0.03 0.00 0.00 43,599,104,887.38 100.00 16,367,285,846.13 100.00 1,720,541,980.54 100.00 297,895,004,547.04 100.00 104,499,000.00 0.00

Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2014

2013

Okupasi

Occupation

2014

Jumlah /

Total

7

Tabel 1.7 di bawah ini menyajikan klaim

untuk

event

Cilacap, Palu, Lombok Utara, Kuta

dan Yogya perjenis okupasi.

Tabel di bawah ini adalah daftar klaim

terbesar sampai dengan tanggal 30 Juni 2014.

Table 1.7 shows Cilacap, Palu, Lombok

Utara, Kuta and Yogya events by occupation.

The table below is a list of the largest claims

as at 30 June 2014.

Tabel 1.7 Kejadian Gempa Bumi Tahun 2014 dan Klaim per Okupasi per 30 Juni 2014

Table 1.7 Earthquak e Event in 2014 and Claim per Occupation as at 30 June 2014

Event Date of Loss

Agrikultural / Komersial / Industrial / Residensial /

Agricultural Commercial Industrial Residential

Cilacap 25-Jan-14 0 0 1 0 0.00 0.00 36,698,400.00 0.00 Palu 23-Feb-14 0 1 0 0 0.00 50,000,000.00 0.00 0.00 Lombok Utara 06-Mar-14 0 0 0 1 0.00 0.00 0.00 35,000,000.00 Kuta 09-Mar-14 0 1 0 0 0.00 104,499,000.00 0.00 0.00 Yogya 02-Apr-14 0 0 0 1 0.00 0.00 0.00 10,000,000.00

Residensial /

Residential

Agrikultural /

Agricultural

Komersial /

Commercial

Industrial /

Industrial

Kejadian Tanggal Kejadian

Okupasi

Occupation

Frekwensi

Frequency

Jumlah (Dalam Rupiah)

Amount (In Rupiah)

Dalam Rupiah

In Rupiah

No.

Kejadian

Tanggal Kejadian

Kekuatan Gempa (S.R)

Klaim

Event

Date of Loss

Magnitude (S.R)

Claim

1

_ACEH

_26-12-2004

₉

_{812,531,992,962.94}

2

_YOGYA

_27-05-2006

_5.9

_{261,067,865,988.43}

3

_PADANG

_06-03-2007

_5.8

_{33,482,652,620.21}

4

_BENGKULU

_12-09-2007

_7.9

_{52,757,464,875.50}

5

_PADANG

_16-08-2009

_6.9

_{42,969,561,630.00}

6

_TASIKMALAYA

_02-09-2009

_7.3

_{24,411,146,816.57}

7

_PARIAMAN

_30-09-2009

_7.6

_{1,082,789,656,414.36}

8

_BIMA

_09-11-2009

_6.7

_{36,740,765,185.48}

9

_MERAPI

_25-10-2010

_{- *)}

_{27,532,644,656.40}

10

_KELUD

_13-02-2014

_{- *)}

_{75,355,862,685.16}

*) Penyebab terkait letusan gunung berapi

Caused b y volcanic eruption

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2014

List of The Largest Claims as at 30 June 2014

Tabel 1.6 Kejadian Gempa Bumi Tahun 2014 dan Klaim per 30 Juni 2014

Table 1.6 Earthquak e Event in 2014 and Claim as at 30 June 2014

Dalam Rupiah In Rupiah Kejadian Tanggal Kejadian Kekuatan Gempa (S.R)

Event Date of Loss Magnitude (S.R)

Cilacap 25-Jan-14 6.5 36,698,400.00 Palu 23-Feb-14 5.3 50,000,000.00 Lombok Utara 6-Mar-14 5.3 35,000,000.00 Kuta 9-Mar-14 4.4 104,499,000.00 Yogya 2-Apr-14 4.2 10,000,000.00

Klaim

8

Tabel 1.8 menyajikan data jumlah polis dan

loss ratio per 30 Juni 2014. Tabel tersebut

menunjukkan bahwa loss ratio tertinggi berada

pada

Underwriting Year

2013 sebesar 8,12%.

Hal ini dipengaruhi oleh nilai klaim yang cukup

tinggi yang mayoritas disebabkan dari Erupsi

Gunung Kelud tahun 2014.

Tabel 1.9 menyajikan Premi dan

Exposure

per 30 Juni 2014.

Table 1.8 shows number of policies, and

loss ratio as at 30 June 2014. The table show

that the biggest loss ratio was at Underwriting

Year 2013 i.e. 8.12%. It was influenced by large

amount of claim that majority resulting from

Kelud Eruption in 2014.

Table 1.9 shows Premium and Exposure as

at 30 June 2014.

Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 Juni 2014

Table 1.8 Number of Policies and Loss Ratio as at 30 June 2014

Underwriting

Jumlah Polis

Premi *)

Frekwensi Klaim

Jumlah Klaim *)

Year

Number of Policies

Premium *)

Claim Frequency

Incurred Claim *)

2010

164,566

2,117,044,012,810.82

53

43,599,104,887.38

2.06%

2011

165,902

2,814,449,181,708.95

94

16,367,285,846.13

0.58%

2012

172,069

2,642,059,720,893.20

15

1,720,541,980.54

0.07%

2013

178,042

3,668,079,803,888.25

32

297,895,004,547.04

8.12%

2014

31,228

516,402,034,085.37

1

104,499,000.00

0.02%

Loss Ratio

Dalam Jutaan Rupiah

In Million Rupiah

Premi

Exposure

Premium

Exposure

2010

2,117,044.01

1,671,822,278.51

2011

2,814,449.18

2,149,612,107.32

2012

2,642,059.72

1,933,305,915.05

2013

3,668,079.80

2,257,649,447.10

2014

516,402.03

334,095,139.79

T O T A L

11,758,034.75

8,346,484,887.76

Tabel 1.9 Premi dan Exposure per 30 Juni 2014

Table 1.9 Premium and Exposure as at 30 June 2014

10

82,025.36 171,483.37

1,056,923.07

117,237.82

276,077.48 100,835.89

64,977.14

63,745.78

94,296.70 173,150.53

1,166,017.11

146,947.15

225,317.26 89,826.18

48,002.38

314,092.14

11,700.69 23,885.77

206,542.22

31,744.09 28,015.05

10,760.73 5,220.57 16,226.02

National Aggregate Exposure By Cresta Zone

As at 30 June 2014

(In Billion IDR)

109,507.36 136,908.19

912,760.85

78,767.01

246,339.59 78,288.01

59,741.08 49,510.18

149,629.40 153,581.43

1,076,527.81

133,587.55

388,001.76

122,855.10

70,089.36 55,339.71 UY 2010

UY 2011

UY 2012

11

Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

AGRICULTURAL A 17,597,981,439,651.60 1.05 20,170,306,793,199.60 0.94 23,542,660,772,030.10 1.22 22,588,615,880,250.30 1.00 3,640,675,405,383.70 1.09 COMMERCIAL C 314,285,201,730,157.00 18.80 538,804,317,165,311.00 25.07 449,953,181,486,063.00 23.27 715,120,198,911,239.00 31.68 90,090,368,953,183.00 26.97 INDUSTRIAL I 1,067,486,693,222,900.00 63.85 1,358,133,871,343,410.00 63.18 1,230,494,001,647,220.00 63.65 1,258,608,763,318,360.00 55.75 179,722,946,527,158.00 53.79 RESIDENTIAL R 272,452,402,117,589.00 16.30 232,503,612,013,752.00 10.82 229,316,071,142,404.00 11.86 261,331,868,987,842.00 11.58 60,641,148,907,762.00 18.15 1,671,822,278,510,300.00 100.00 2,149,612,107,315,680.00 100.00 1,933,305,915,047,720.00 100.00 2,257,649,447,097,690.00 100.00 334,095,139,793,487.00 100.00

T O T A L

U/Y 2012

U/Y 2013

U/Y 2014

in IDR

U/Y 2010

U/Y 2011

Tab le 2.2

Occupation

As At 30/06/2014

12

( In Billion IDR )

Agricultural, 23,542.66 Commercial,

449,953.18

Industrial, 1,230,494.00

Residential, 229,316.07

Agricultural, 22,588.62 Commercial,

715,120.20 Industrial, 1,258,608.76

Residential, 261,331.87

Agricultural, 3,640.68

Commercial, 90,090.37

Industrial, 179,722.95

Residential, 60,641.15

National Aggregate Exposure By Occupation

As at 30 June 2014

Agricultural, 17,597.98 Commercial,

314,285.20 Industrial,

1,067,486.69

Residential, 272,452.40

Agricultural, 20,170.31 Commercial,

538,804.32

Industrial, 1,358,133.87

Residential, 232,503.61

UY 2010

UY 2011

UY 2012

UY 2013

13

Tab le 2.3

Amount % Amount % Amount % Amount % Amount %

Building 766,323,031,478,762.00 45.84 958,952,320,517,249.00 44.61 813,597,060,964,444.00 42.08 875,654,711,894,177.00 38.79 137,806,242,820,760.00 41.25 Machinery 374,247,720,350,657.00 22.39 431,910,647,264,879.00 20.09 386,829,714,970,512.00 20.01 419,204,437,799,247.00 18.57 81,420,857,544,051.40 24.37 Others 183,196,390,863,109.00 10.96 253,960,014,233,086.00 11.81 267,993,289,264,982.00 13.86 249,970,526,086,436.00 11.07 36,724,727,949,484.30 10.99 Stock 217,202,240,939,453.00 12.99 284,736,399,680,773.00 13.25 282,414,612,321,442.00 14.61 301,818,539,667,059.00 13.37 39,922,680,892,512.00 11.95 Bussiness Interruption 130,852,894,878,316.00 7.83 220,052,725,619,690.00 10.24 182,471,237,526,342.00 9.44 411,001,231,650,772.00 18.20 38,220,630,586,679.30 11.44

T O T A L 1,671,822,278,510,300.00 100.00 2,149,612,107,315,680.00 100.00 1,933,305,915,047,720.00 100.00 2,257,649,447,097,690.00 100.00 334,095,139,793,487.00 100.00

National Aggregate Exposure By Interest

In IDR

Interest

U/Y 2012

U/Y 2013

U/Y 2014

As At 30/06/2014

15

Tab le 2.4

In IDR

Amount % Amount % Amount % Amount % Amount %

01. NAD 46,014,656,466,409.00 2.75 61,526,298,867,310.90 2.86 8,219,191,535,830.92 0.43 8,657,894,667,394.81 0.38 388,461,776,087.00 0.12 02. SUMATERA UTARA 63,492,704,289,425.90 3.80 88,103,099,105,864.50 4.10 73,806,170,362,320.50 3.82 85,638,801,017,781.40 3.79 11,312,230,870,002.30 3.39 03. SUMATERA BARAT 22,408,712,992,181.50 1.34 23,105,952,213,792.50 1.07 26,363,203,666,357.40 1.36 25,565,290,908,149.50 1.13 3,282,129,569,683.01 0.98 04. RIAU 32,775,423,381,286.80 1.96 34,791,909,269,754.20 1.62 33,062,861,223,310.40 1.71 39,344,180,940,997.50 1.74 3,900,494,723,556.70 1.17 05. JAMBI 5,229,365,051,921.28 0.31 8,124,393,638,051.55 0.38 10,586,717,823,055.30 0.55 11,572,987,881,086.00 0.51 843,443,179,494.66 0.25 06. SUMATERA SELATAN 37,906,109,822,304.80 2.27 30,246,743,077,797.60 1.41 40,443,792,678,176.50 2.09 37,383,888,221,654.20 1.66 4,105,864,569,772.88 1.23 07. BENGKULU 3,089,385,866,017.82 0.18 4,060,846,922,435.66 0.19 4,425,982,619,602.10 0.23 4,683,955,568,334.02 0.21 554,917,045,297.44 0.17 08. LAMPUNG 16,664,884,556,586.80 1.00 27,537,241,664,501.00 1.28 27,922,645,241,676.80 1.44 24,815,745,423,351.00 1.10 4,642,425,837,349.00 1.39 09. KEP BANGKA-BELITUNG 3,336,058,201,436.26 0.20 3,041,959,885,166.98 0.14 3,766,494,350,619.56 0.19 4,323,717,622,534.58 0.19 519,246,489,535.00 0.16 10. KEPULAUAN RIAU 15,498,254,822,537.40 0.93 22,672,378,996,463.70 1.05 24,911,675,328,181.00 1.29 25,460,767,645,941.30 1.13 6,037,245,191,083.66 1.81 11. JAKARTA 304,756,716,572,425.00 18.23 464,729,545,545,751.00 21.62 398,433,156,994,847.00 20.61 411,273,012,619,130.00 18.22 88,795,034,701,311.70 26.58 12. JAWA BARAT 395,957,149,459,645.00 23.68 400,831,045,348,688.00 18.65 443,646,335,086,515.00 22.95 484,858,802,315,439.00 21.48 89,483,696,763,088.50 26.78 13. JAWA TENGAH 68,286,066,186,836.40 4.08 121,732,458,384,954.00 5.66 105,788,881,561,521.00 5.47 135,896,067,870,056.00 6.02 30,158,982,685,472.20 9.03 14. DIY 10,480,946,388,166.00 0.63 11,855,086,649,440.00 0.55 11,448,943,382,857.50 0.59 11,051,081,303,511.10 0.49 1,585,108,954,719.28 0.47 15. JAWA TIMUR 246,339,591,641,754.00 14.73 388,001,761,834,246.00 18.05 276,077,481,416,394.00 14.28 225,317,259,410,943.00 9.98 28,015,054,145,031.00 8.39 16. BANTEN 212,046,981,005,415.00 12.68 210,967,223,342,734.00 9.81 214,843,575,998,148.00 11.11 269,885,296,028,156.00 11.95 28,263,484,664,314.80 8.46 17. BALI 39,388,712,490,115.70 2.36 43,316,415,011,336.20 2.02 50,010,055,282,199.80 2.59 300,227,427,739,942.00 13.30 13,349,128,347,537.10 4.00 18. NUSA TENGGARA BARAT 2,915,151,771,130.72 0.17 3,077,047,054,149.34 0.14 3,813,414,732,349.74 0.20 4,285,337,143,641.03 0.19 648,129,115,473.82 0.19 19. NUSA TENGGARA TIMUR 862,786,991,135.17 0.05 1,617,483,032,767.29 0.08 2,088,622,521,224.96 0.11 1,618,804,194,625.98 0.07 320,124,799,529.00 0.10 20. KALIMANTAN BARAT 4,184,375,704,375.67 0.25 6,929,074,391,744.74 0.32 6,065,948,015,497.96 0.31 6,763,187,719,518.86 0.30 2,448,711,148,795.00 0.73 21. KALIMANTAN TENGAH 11,726,628,849,876.80 0.70 12,228,074,133,229.00 0.57 11,765,790,853,477.80 0.61 15,151,288,957,510.70 0.67 350,935,911,751.00 0.11 22. KALIMANTAN SELATAN 14,511,411,705,943.40 0.87 28,152,720,447,496.90 1.31 14,512,702,524,618.20 0.75 22,680,655,770,796.40 1.00 889,884,168,596.35 0.27 23. KALIMANTAN TIMUR 47,865,592,184,896.00 2.86 75,545,227,879,790.50 3.51 68,491,445,984,180.50 3.54 45,231,043,535,971.80 2.00 7,071,196,633,625.18 2.12 24. SULAWESI UTARA 8,853,717,870,986.23 0.53 20,477,589,638,098.30 0.95 11,198,321,917,073.00 0.58 13,830,552,500,509.60 0.61 1,063,784,018,807.44 0.32 25. SULAWESI TENGAH 1,344,987,489,172.88 0.08 2,234,731,075,451.70 0.10 2,107,382,104,725.89 0.11 3,804,080,216,610.84 0.17 1,136,668,617,694.00 0.34 26. SULAWESI SELATAN 16,691,786,994,777.90 1.00 24,508,761,077,872.60 1.14 26,785,161,368,098.00 1.39 25,828,151,433,575.30 1.14 2,338,086,113,612.16 0.70 27. SULAWESI TENGGARA 18,974,413,466,606.60 1.13 9,114,059,975,615.48 0.42 9,617,896,396,134.42 0.50 1,379,121,680,431.13 0.06 348,917,474,481.00 0.10 28. GORONTALO 12,013,778,366,240.30 0.72 12,801,202,449,629.60 0.60 14,148,963,626,765.70 0.73 1,884,122,579,624.28 0.08 102,720,216,573.56 0.03 29. SULAWESI BARAT 1,862,398,413,709.09 0.11 953,016,177,663.56 0.04 1,119,410,365,004.47 0.06 1,276,355,221,056.22 0.06 230,397,172,355.00 0.07 30. MALUKU 959,192,107,230.57 0.06 1,012,162,473,294.66 0.05 1,288,360,897,793.45 0.07 1,524,424,062,133.85 0.07 458,689,348,192.78 0.14 31. MALUKU UTARA 431,793,359,211.90 0.03 599,254,266,006.82 0.03 750,191,487,535.22 0.04 523,207,755,002.43 0.02 52,837,009,316.00 0.02 32. PAPUA BARAT 1,739,199,010,115.30 0.10 2,191,055,888,141.29 0.10 2,224,546,806,875.95 0.12 2,460,298,033,072.42 0.11 193,744,409,850.75 0.06 33. PAPUA 3,213,345,030,423.17 0.19 3,526,287,596,439.34 0.16 3,570,590,894,753.55 0.18 3,452,639,109,210.77 0.15 1,203,364,121,497.66 0.36 T O T A L 1,671,822,278,510,300.00 100.00 2,149,612,107,315,680.00 100.00 1,933,305,915,047,720.00 100.00 2,257,649,447,097,690.00 100.00 334,095,139,793,487.00 100.00

Province

U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2014

National Aggregate Exposure By Province

As At 30/06/2014

16

Tab le 3.1

in IDR

U/Y 2010

U/Y 2011

U/Y 2012

Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH 1.1 6,051,202,306.20 0.29 7,255,283,677.40 0.26 7,217,130,639.61 0.27 8,064,414,983.79 0.22 128,123,880.40 0.02 MEDAN 1.2 47,667,398,482.72 2.25 54,387,933,253.55 1.93 48,758,683,489.33 1.85 62,475,890,001.05 1.70 10,185,619,213.58 1.97 OTHERS 1.3 84,301,175,986.81 3.98 132,337,111,203.50 4.70 50,987,310,123.12 1.93 67,759,734,133.78 1.85 5,774,619,366.74 1.12

NORTH SUMATERA 1 138,019,776,775.73 6.52 193,980,328,134.45 6.89 106,963,124,252.06 4.05 138,300,039,118.62 3.77 16,088,362,460.72 3.12

PADANG 2.1 32,778,827,007.39 1.55 29,733,272,807.48 1.06 34,733,032,230.79 1.31 33,533,118,380.03 0.91 4,780,388,125.64 0.93 PALEMBANG 2.2 19,390,704,938.80 0.92 14,169,847,116.46 0.50 17,791,272,888.51 0.67 22,764,550,588.40 0.62 1,255,104,876.62 0.24 OTHERS 2.3 108,788,904,846.87 5.14 136,324,650,645.14 4.84 155,081,262,840.26 5.87 172,314,773,732.44 4.70 25,785,468,556.50 4.99

SOUTH SUMATERA 2 160,958,436,793.06 7.60 180,227,770,569.08 6.40 207,605,567,959.56 7.86 228,612,442,700.87 6.23 31,820,961,558.76 6.16

JAKARTA 3.1 433,818,985,672.09 20.49 670,156,787,867.45 23.81 596,985,432,606.53 22.60 664,806,669,534.37 18.12 144,706,234,079.80 28.02 BANDUNG 3.2 8,241,042,107.75 0.39 9,916,805,917.11 0.35 16,352,973,918.24 0.62 14,225,832,253.14 0.39 1,632,818,716.39 0.32 OTHERS 3.3 778,934,960,280.93 36.79 833,355,355,391.74 29.61 939,454,125,683.71 35.56 1,245,084,318,664.98 33.94 192,374,641,490.25 37.25

WEST JAVA 3 1,220,994,988,060.77 57.67 1,513,428,949,176.30 53.77 1,552,792,532,208.48 58.77 1,924,116,820,452.49 52.46 338,713,694,286.44 65.59

SEMARANG 4.1 11,636,480,141.95 0.55 7,986,696,304.55 0.28 8,676,772,272.95 0.33 8,639,208,618.40 0.24 432,553,916.36 0.08 YOGYAKARTA 4.2 13,009,093,100.49 0.61 15,336,936,026.90 0.54 14,048,280,739.43 0.53 12,818,006,312.11 0.35 1,865,666,132.72 0.36 OTHERS 4.3 71,914,369,548.34 3.40 146,331,935,568.04 5.20 125,982,703,079.71 4.77 179,996,766,871.00 4.91 42,728,582,387.61 8.27

CENTRAL JAVA 4 96,559,942,790.78 4.56 169,655,567,899.49 6.03 148,707,756,092.09 5.63 201,453,981,801.51 5.49 45,026,802,436.69 8.72

SURABAYA 5.1 111,164,896,190.21 5.25 110,714,413,945.02 3.93 64,214,285,845.06 2.43 47,970,222,630.99 1.31 15,738,607,398.87 3.05 OTHERS 5.2 175,299,933,945.79 8.28 360,650,643,884.43 12.81 279,128,826,802.61 10.56 263,539,900,580.43 7.18 23,945,737,536.38 4.64

EAST JAVA 5 286,464,830,136.00 13.53 471,365,057,829.45 16.75 343,343,112,647.67 13.00 311,510,123,211.42 8.49 39,684,344,935.25 7.68 KALIMANTAN 6 68,410,654,079.24 3.23 103,407,876,118.94 3.67 93,213,381,606.30 3.53 92,158,298,045.49 2.51 11,080,980,035.08 2.15

UJUNG PANDANG 7.1 8,854,097,129.22 0.42 9,478,899,975.48 0.34 10,183,304,334.64 0.39 12,861,527,180.42 0.35 1,473,466,332.51 0.29 OTHERS 7.2 67,392,876,480.87 3.18 93,697,205,587.52 3.33 83,490,696,200.03 3.16 55,247,203,199.89 1.51 5,942,846,320.09 1.15

SULAWESI 7 76,246,973,610.09 3.60 103,176,105,563.00 3.67 93,674,000,534.67 3.55 68,108,730,380.31 1.86 7,416,312,652.60 1.44 OTHER ISLANDS 8 69,388,410,565.18 3.28 79,207,526,418.25 2.81 95,760,245,592.37 3.62 703,819,368,177.51 19.19 26,570,575,719.83 5.15 2,117,044,012,810.85 100.00 2,814,449,181,708.96 100.00 2,642,059,720,893.20 100.00 3,668,079,803,888.22 100.00 516,402,034,085.37 100.00

U/Y 2014

As At 30/06/2014

National Gross Premium By Cresta Zone

T O T A L

U/Y 2013

Cresta Zone

17

(in Billion IDR)

North Sumatera

South Sumatera

West Java

Central Java

East Java

Kalimantan

Sulawesi

Other Islands

106.96

207.61 1,552.79

148.71

343.34

93.21 93.67 95.76

138.30

228.61 1,924.12

201.45 311.51 92.16

68.11 703.82

16.09 31.82

338.71

45.03 39.68 11.08

7.42 26.57

National Gross Premium By Cresta Zone

As at 30 June 2014

138.02 160.96

1,220.99

96.56 286.46

68.41 76.25 69.39

193.98 180.23

1,513.43

169.66

471.37 103.41

103.18 79.21

UY 2011

UY 2012

UY 2013

UY 2014

UY 2010

18

U/Y 2010

U/Y 2011

U/Y 2012

Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

AGRICULTURAL A 20,834,909,822.51 0.98 23,897,315,368.61 0.85 29,417,831,652.86 1.11 30,249,212,517.71 0.82 5,076,326,140.77 0.98 COMMERCIAL C 434,867,351,208.41 20.54 751,510,364,396.51 26.70 640,941,397,773.90 24.26 1,299,163,032,627.68 35.42 139,781,955,596.12 27.07 INDUSTRIAL I 1,298,239,105,055.78 61.32 1,696,606,138,601.41 60.28 1,626,955,347,705.78 61.58 1,936,516,719,804.33 52.79 280,452,087,197.89 54.31 RESIDENTIAL R 363,102,646,724.12 17.15 342,435,363,342.42 12.17 344,745,143,760.66 13.05 402,150,838,938.53 10.96 91,091,665,150.59 17.64 2,117,044,012,810.82 100.00 2,814,449,181,708.95 100.00 2,642,059,720,893.20 100.00 3,668,079,803,888.25 100.00 516,402,034,085.37 100.00

As At 30/06/2014

National Gross Premium By Occupation

T O T A L

U/Y 2013

U/Y 2014

in IDR

Tab le 3.2

19

( In Billion IDR )

Agricultural, 29.42 Commercial,

640.94

Industrial, 1,626.96

Residential, 344.75

Agricultural, 30.25 Commercial,

1,299.16 Industrial,

1,936.52

Residential, 402.15

Agricultural, 5.08

Commercial, 139.78

Industrial, 280.45

Residential, 91.09

2010

National Gross Premium By Occupation

As at 30 June 2014

Agricultural, 20.83 Commercial,

434.87 Industrial,

1,298.24

Residential, 363.10

UY 2010

Agricultural, 23.90 Commercial,

751.51

Industrial, 1,696.61

Residential, 342.44

UY 2013

UY 2014

UY 2012

20

Tab le 3.3

In IDR

Amount % Amount % Amount % Amount % Amount %

01. NAD 61,933,427,650.03 2.93 87,272,745,480.81 3.10 12,295,732,445.63 0.47 15,420,253,774.21 0.42 649,622,123.33 0.13 02. SUMATERA UTARA 76,086,349,125.68 3.59 106,707,582,653.64 3.79 94,667,391,806.44 3.58 122,879,785,344.41 3.35 15,438,740,337.39 2.99 03. SUMATERA BARAT 39,338,010,826.10 1.86 40,336,271,706.22 1.43 47,260,451,586.55 1.79 48,328,752,523.86 1.32 5,956,366,084.54 1.15 04. RIAU 33,033,443,273.00 1.56 34,916,034,904.00 1.24 34,927,979,472.12 1.32 45,880,189,713.99 1.25 4,638,808,278.11 0.90 05. JAMBI 5,242,221,847.08 0.25 7,935,791,182.58 0.28 10,449,768,304.35 0.40 12,971,704,258.92 0.35 1,026,485,410.46 0.20 06. SUMATERA SELATAN 39,288,814,918.39 1.86 31,091,421,526.29 1.10 42,038,391,746.01 1.59 43,801,011,787.14 1.19 5,173,489,351.48 1.00 07. BENGKULU 5,473,651,423.87 0.26 7,256,467,935.58 0.26 8,232,110,415.26 0.31 9,386,039,325.78 0.26 1,059,294,410.01 0.21 08. LAMPUNG 22,692,710,088.11 1.07 37,252,857,897.14 1.32 39,388,990,320.73 1.49 37,919,309,381.96 1.03 7,261,463,890.94 1.41 09. KEP BANGKA-BELITUNG 2,953,443,103.05 0.14 2,654,439,798.01 0.09 3,392,003,981.33 0.13 4,214,582,215.40 0.11 475,922,603.63 0.09 10. KEPULAUAN RIAU 12,936,141,313.44 0.61 18,784,485,619.28 0.67 21,915,872,133.20 0.83 26,110,853,493.80 0.71 6,229,131,529.60 1.21 11. JAKARTA 433,818,985,672.09 20.49 670,156,787,867.45 23.81 596,985,432,606.53 22.60 664,806,669,534.37 18.12 144,706,234,079.80 28.02 12. JAWA BARAT 504,589,650,948.39 23.83 549,602,037,909.93 19.53 641,029,495,637.14 24.26 801,860,475,042.27 21.86 147,428,564,831.37 28.55 13. JAWA TENGAH 81,521,601,724.06 3.85 151,898,241,863.28 5.40 131,344,409,492.72 4.97 184,343,834,212.16 5.03 42,641,045,478.20 8.26 14. DIY 15,038,341,066.72 0.71 17,757,326,036.21 0.63 17,363,346,599.36 0.66 17,110,147,589.36 0.47 2,385,756,958.50 0.46 15. JAWA TIMUR 286,464,830,136.00 13.53 471,365,057,829.45 16.75 343,343,112,647.67 13.00 311,510,123,211.43 8.49 39,684,344,935.25 7.68 16. BANTEN 282,586,351,440.30 13.35 293,670,123,398.92 10.43 314,777,603,964.81 11.91 457,449,675,875.86 12.47 46,578,895,375.28 9.02 17. BALI 54,063,520,550.42 2.55 60,405,757,022.38 2.15 72,773,980,952.52 2.75 678,920,174,107.52 18.51 21,619,094,743.25 4.19 18. NUSA TENGGARA BARAT 4,440,906,653.30 0.21 5,152,954,498.64 0.18 7,045,338,897.22 0.27 8,399,398,925.34 0.23 1,105,098,625.50 0.21 19. NUSA TENGGARA TIMUR 1,281,077,691.84 0.06 2,433,951,389.85 0.09 3,205,403,389.16 0.12 2,613,523,370.14 0.07 590,230,525.24 0.11 20. KALIMANTAN BARAT 3,715,242,385.16 0.18 6,039,986,630.20 0.21 5,362,263,619.84 0.20 6,436,893,941.92 0.18 2,406,096,569.71 0.47 21. KALIMANTAN TENGAH 9,889,548,328.95 0.47 10,276,315,119.02 0.37 10,646,886,578.05 0.40 15,518,777,881.16 0.42 336,366,874.41 0.07 22. KALIMANTAN SELATAN 12,861,818,728.25 0.61 23,763,591,278.15 0.84 13,205,545,643.34 0.50 24,595,989,301.19 0.67 819,487,188.55 0.16 23. KALIMANTAN TIMUR 41,944,044,636.88 1.98 63,327,983,091.57 2.25 63,998,685,765.07 2.42 45,606,636,921.21 1.24 7,519,029,402.41 1.46 24. SULAWESI UTARA 14,782,310,726.53 0.70 37,731,185,839.11 1.34 21,021,635,891.72 0.80 27,822,846,895.56 0.76 2,088,172,730.85 0.40 25. SULAWESI TENGAH 2,004,618,104.55 0.09 3,453,159,420.21 0.12 3,317,966,182.30 0.13 6,119,245,420.71 0.17 1,935,025,842.18 0.37 26. SULAWESI SELATAN 17,313,977,134.63 0.82 24,633,832,826.30 0.88 27,812,288,977.05 1.05 26,605,330,544.12 0.73 2,386,254,638.34 0.46 27. SULAWESI TENGGARA 21,176,342,881.42 1.00 10,519,227,674.99 0.37 11,790,398,453.27 0.45 2,066,596,362.00 0.06 469,298,589.08 0.09 28. GORONTALO 18,303,748,895.48 0.86 25,432,169,625.48 0.90 28,055,203,586.03 1.06 3,582,547,453.03 0.10 192,108,676.96 0.04 29. SULAWESI BARAT 2,665,975,867.48 0.13 1,406,530,176.92 0.05 1,676,507,444.32 0.06 1,912,163,704.90 0.05 345,452,175.19 0.07 30. MALUKU 1,748,451,819.08 0.08 1,761,141,005.57 0.06 2,348,939,869.89 0.09 2,872,698,323.00 0.08 891,161,388.62 0.17 31. MALUKU UTARA 736,016,880.37 0.03 1,055,412,456.04 0.04 1,319,477,950.27 0.05 1,008,677,247.24 0.03 99,653,627.24 0.02 32. PAPUA BARAT 2,543,602,599.57 0.12 3,177,814,430.49 0.11 3,303,319,700.43 0.13 3,972,630,874.61 0.11 301,350,555.74 0.06 33. PAPUA 4,574,834,370.60 0.22 5,220,495,615.28 0.19 5,763,784,832.88 0.22 6,032,265,329.67 0.16 1,963,986,254.24 0.38 T O T A L 2,117,044,012,810.82 100.00 2,814,449,181,708.99 100.00 2,642,059,720,893.21 100.00 3,668,079,803,888.24 100.00 516,402,034,085.40 100.00

Province

U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2014

National Gross Premium By Province

As At 30/06/2014

21

Tab le 4.1

U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

BANDA ACEH

1.1

634

517

586

577

85

MEDAN

1.2

5,664

5,776

5,976

6,247

1,341

OTHERS

1.3

5,147

4,490

4,593

3,658

702

NORTH SUMATERA

1

11,445

10,783

11,155

10,482

2,128

PADANG

2.1

8,363

9,866

10,569

10,366

2,822

PALEMBANG

2.2

1,613

1,440

1,514

1,744

240

OTHERS

2.3

17,028

16,559

17,249

16,690

2,478

SOUTH SUMATERA

2

27,004

27,865

29,332

28,800

5,540

JAKARTA

3.1

35,145

38,635

36,144

45,504

7,124

BANDUNG

3.2

1,684

1,146

1,986

2,029

243

OTHERS

3.3

34,731

34,081

36,444

36,666

6,428

WEST JAVA

3

71,560

73,862

74,574

84,199

13,795

SEMARANG

4.1

379

669

802

855

101

YOGYAKARTA

4.2

2,468

2,155

2,299

2,071

446

OTHERS

4.3

10,540

9,711

10,254

9,807

2,599

CENTRAL JAVA

4

13,387

12,535

13,355

12,733

3,146

SURABAYA

5.1

6,032

6,062

6,167

5,985

1,014

OTHERS

5.2

7,829

7,287

7,698

7,792

1,248

EAST JAVA

5

13,861

13,349

13,865

13,777

2,262

KALIMANTAN

6

7,002

5,726

7,565

6,397

612

UJUNG PANDANG

7.1

1,737

1,851

1,890

1,906

253

OTHERS

7.2

6,403

7,024

6,163

5,688

851

SULAWESI

7

8,140

8,875

8,053

7,594

1,104

OTHER ISLANDS

8

12,167

12,907

14,170

14,060

2,641

164,566

165,902

172,069

178,042

31,228

T O T A L

Number Of Risk By Cresta Zone

As At 30/06/2014

23

Tab le 4.2

U/Y 2010

%

U/Y 2011

%

U/Y 2012

%

U/Y 2013

%

U/Y 2014

%

AGRICULTURAL

A

441

0.27

379

0.23

420

0.24

437

0.25

71

0.23

COMMERCIAL

C

83,090

50.49

91,401

55.09

94,290

54.80

94,194

52.91

12,988

41.59

INDUSTRIAL

I

13,867

8.43

14,995

9.04

16,282

9.46

17,166

9.64

2,373

7.60

RESIDENTIAL

R

67,168

40.82

59,127

35.64

61,077

35.50

66,245

37.21

15,796

50.58

164,566

100.00

165,902

100.00

172,069

100.00

178,042

100.00

31,228

100.00

Number Of Risk By Occupation

T O T A L

Occupation

79

Provinsi

Kota/ Kabupaten

Cresta

Zona

KAB. BOGOR 3.3 4

KAB. SUKABUMI 3.3 4

KAB. CIANJUR 3.3 4

KAB. BANDUNG 3.3 4

KAB. GARUT 3.3 4

KAB. TASIKMALAYA 3.3 4

KAB. CIAMIS 3.3 4

KAB. KUNINGAN 3.3 4

KAB. CIREBON 3.3 3

KAB. MAJALENGKA 3.3 4

KAB. SUMEDANG 3.3 3

KAB. INDRAMAYU 3.3 3

KAB. SUBANG 3.3 4

KAB. PURWAKARTA 3.3 4

KAB. KARAWANG 3.3 f

KAB. BEKASI 3.3 4

KAB. BANDUNG BARAT 3.3 4

KOTA BOGOR 3.3 4

KOTA SUKABUMI 3.3 4

KOTA BANDUNG 3.2 4

KOTA CIREBON 3.3 3

KOTA BEKASI 3.3 4

KOTA DEPOK 3.3 4

KOTA CIMAHI 3.3 4

KOTA TASIKMALAYA 3.3 4

KOTA BANJAR 3.3 4

KAB. CILACAP 4.3 4

KAB. BANYUMAS 4.3 3

KAB. PURBALINGGA 4.3 3

KAB. BANJARNEGARA 4.3 4

KAB. KEBUMEN 4.3 4

KAB. PURWOREJO 4.3 4

KAB. WONOSOBO 4.3 4

KAB. MAGELANG 4.3 4

KAB. BOYOLALI 4.3 3

KAB. KLATEN 4.3 4

KAB. SUKOHARJO 4.3 4

KAB. WONOGIRI 4.3 4

KAB. KARANGANYAR 4.3 3

KAB. SRAGEN 4.3 3

KAB. GROBOGAN 4.3 3

KAB. BLORA 4.3 3

KAB. REMBANG 4.3 3

KAB. PATI 4.3 3

KAB. KUDUS 4.3 3

KAB. JEPARA 4.3 3

KAB. DEMAK 4.3 3

KAB. SEMARANG 4.3 3

KAB. TEMANGGUNG 4.3 3

KAB. KENDAL 4.3 3

KAB. BATANG 4.3 3

Jawa Tengah Jawa Barat

80

Provinsi

Kota/ Kabupaten

Cresta

Zona

Jawa Tengah KAB. PEKALONGAN 4.3 3

KAB. PEMALANG 4.3 3

KAB. TEGAL 4.3 4

KAB. BREBES 4.3 3

KOTA MAGELANG 4.3 3

KOTA SURAKARTA 4.3 3

KOTA SALATIGA 4.3 3

KOTA SEMARANG 4.1 3

KOTA PEKALONGAN 4.3 3

KOTA TEGAL 4.3 3

KAB. KULON PROGO 4.3 4

KAB. BANTUL 4.3 4

KAB. GUNUNG KIDUL 4.3 4

KAB. SLEMAN 4.3 4

KOTA YOGYAKARTA 4.2 4

KAB. PACITAN 5.2 4

KAB. PONOROGO 5.2 4

KAB. TRENGGALEK 5.2 4

KAB. TULUNGAGUNG 5.2 4

KAB. BLITAR 5.2 4

KAB. KEDIRI 5.2 4

KAB. MALANG 5.2 4

KAB. LUMAJANG 5.2 4

KAB. JEMBER 5.2 3

KAB. BANYUWANGI 5.2 4

KAB. BONDOWOSO 5.2 3

KAB. SITUBONDO 5.2 3

KAB. PROBOLINGGO 5.2 3

KAB. PASURUAN 5.2 3

KAB. SIDOARJO 5.2 3

KAB. MOJOKERTO 5.2 3

KAB. JOMBANG 5.2 3

KAB. NGANJUK 5.2 3

KAB. MADIUN 5.2 3

KAB. MAGETAN 5.2 3

KAB. NGAWI 5.2 3

KAB. BOJONEGORO 5.2 3

KAB. TUBAN 5.2 3

KAB. LAMONGAN 5.2 3

KAB. GRESIK 5.2 3

KAB. BANGKALAN 5.2 3

KAB. SAMPANG 5.2 3

KAB. PAMEKASAN 5.2 3

KAB. SUMENEP 5.2 3

KOTA KEDIRI 5.2 4

KOTA BLITAR 5.2 4

KOTA MALANG 5.2 4

KOTA PROBOLINGGO 5.2 3

KOTA PASURUAN 5.2 3

KOTA MOJOKERTO 5.2 3

KOTA MADIUN 5.2 3

KOTA SURABAYA 5.1 3

KOTA BATU 5.2 4

Daerah Istimewa Yogyakarta

81

Provinsi

Kota/ Kabupaten

Cresta

Zona

KAB. JEMBRANA 8 4

KAB. TABANAN 8 4

KAB. BADUNG 8 4

KAB. GIANYAR 8 4

KAB. KLUNGKUNG 8 4

KAB. BANGLI 8 4

KAB. KARANGASEM 8 5

KAB. BULELENG 8 4

KOTA DENPASAR 8 4

KAB. LOMBOK BARAT 8 5

KAB. LOMBOK TENGAH 8 4

KAB. LOMBOK TIMUR 8 4

KAB. SUMBAWA 8 4

KAB. DOMPU 8 5

KAB. BIMA 8 4

KAB. SUMBAWA BARAT 8 4

KOTA MATARAM 8 5

KOTA BIMA 8 4

KAB. SUMBA BARAT 8 5

KAB. SUMBA TIMUR 8 4

KAB. KUPANG 8 4

KAB. TIMOR TENGAH SELATAN 8 5

KAB. TIMOR TENGAH UTARA 8 5

KAB. BELU 8 5

KAB. ALOR 8 5

KAB. LEMBATA 8 5

KAB. FLORES TIMUR 8 4

KAB. SIKKA 8 4

KAB. ENDE 8 4

KAB. NGADA 8 4

KAB. MANGGARAI 8 4

KAB. ROTE NDAO 8 4

KAB. MANGGARAI BARAT 8 4

KAB. MANGGARAI TIMUR 8 4

KAB. NAGEKEO 8 5

KAB. SUMBA BARAT DAYA 8 5

KAB. SUMBA TENGAH 8 5

KOTA KUPANG 8 4

KAB. SAMBAS 6 1

KAB. BENGKAYANG 6 1

KAB. LANDAK 6 1

KAB. PONTIANAK 6 1

KAB. SANGGAU 6 1

KAB. KETAPANG 6 1

KAB. SINTANG 6 1

KAB. KAPUAS HULU 6 1

KAB. SEKADAU 6 1

KAB. MELAWI 6 1

KAB. KAYONG UTARA 6 1

KAB. KUBU RAYA 6 1

KOTA PONTIANAK 6 1

KOTA SINGKAWANG 6 1

Kalimantan Barat Bali

Nusa Tenggara Barat

82

Provinsi

Kota/ Kabupaten

Cresta

Zona

KAB. KOTAWARINGIN BARAT 6 1

KAB. KOTAWARINGIN TIMUR 6 1

KAB. KAPUAS 6 1

KAB. BARITO SELATAN 6 1

KAB. BARITO UTARA 6 1

KAB. SUKAMARA 6 1

KAB. LAMANDAU 6 1

KAB. SERUYAN 6 1

KAB. KATINGAN 6 1

KAB. PULANG PISAU 6 1

KAB. GUNUNG MAS 6 1

KAB. BARITO TIMUR 6 1

KAB. MURUNG RAYA 6 1

KOTA PALANGKARAYA 6 1

KAB. TANAH LAUT 6 1

KAB. KOTABARU 6 1

KAB. BANJAR 6 1

KAB. BARITO KUALA 6 1

KAB. TAPIN 6 1

KAB. HULU SUNGAI SELATAN 6 1

KAB. HULU SUNGAI TENGAH 6 1

KAB. HULU SUNGAI UTARA 6 1

KAB. TABALONG 6 1

KAB. TANAH BUMBU 6 1

KAB. BALANGAN 6 1

KOTA BANJARMASIN 6 1

KOTA BANJARBARU 6 1

KAB. PASIR 6 1

KAB. KUTAI BARAT 6 1

KAB. KUTAI KARTANEGARA 6 1

KAB. KUTAI TIMUR 6 2

KAB. BERAU 6 3

KAB. MALINAU 6 2

KAB. BULUNGAN 6 3

KAB. NUNUKAN 6 2

KAB. PENAJAM PASER UTARA 6 1

KAB. TANA TIDUNG 6 2

KOTA BALIKPAPAN 6 1

KOTA SAMARINDA 6 1

KOTA TARAKAN 6 2

KOTA BONTANG 6 2

KAB. BOLAANG MONGONDOW 7.2 5

KAB. MINAHASA 7.2 5

KAB. KEPULAUAN SANGIHE 7.2 5

KAB. KEPULAUAN TALAUD 7.2 5

KAB. MINAHASA SELATAN 7.2 5

KAB. MINAHASA UTARA 7.2 5

KAB. BOLAANG MONGONDOW UT 7.2 5

KAB. KEPULAUAN SITARO 7.2 5

KAB. MINAHASA TENGGARA 7.2 5

KOTA MANADO 7.2 5

KOTA BITUNG 7.2 5

KOTA TOMOHON 7.2 5

KOTA KOTAMOBAGU 7.2 5

Kalimantan Tengah

Kalimantan Selatan

Kalimantan Timur

83

Provinsi

Kota/ Kabupaten

Cresta

Zona

KAB. BANGGAI KEPULAUAN 7.2 4

KAB. BANGGAI 7.2 5

KAB. MOROWALI 7.2 3

KAB. POSO 7.2 4

KAB. DONGGALA 7.2 4

KAB. TOLI-TOLI 7.2 5

KAB. BUOL 7.2 5

KAB. PARIGI MOUTONG 7.2 5

KAB. TOJO UNA-UNA 7.2 4

KOTA PALU 7.2 4

KAB. SELAYAR 7.2 2

KAB. BULUKUMBA 7.2 2

KAB. BANTAENG 7.2 2

KAB. JENEPONTO 7.2 2

KAB. TAKALAR 7.2 2

KAB. GOWA 7.2 2

KAB. SINJAI 7.2 2

KAB. MAROS 7.2 2

KAB. PANGKAJENE KEPULAUAN 7.2 2

KAB. BARRU 7.2 3

KAB. BONE 7.2 2

KAB. SOPPENG 7.2 3

KAB. WAJO 7.2 3

KAB. SIDENRENG RAPPANG 7.2 3

KAB. PINRANG 7.2 3

KAB. ENREKANG 7.2 3

KAB. LUWU 7.2 3

KAB. TANAH TORAJA 7.2 4

KAB. LUWU UTARA 7.2 3

KAB. LUWU TIMUR 7.2 3

KOTA MAKASSAR 7.1 2

KOTA PARE-PARE 7.2 3

KOTA PALOPO 7.2 3

KAB. BUTON 7.2 3

KAB. MUNA 7.2 3

KAB. KONAWE 7.2 3

KAB. KOLAKA 7.2 3

KAB. KONAWE SELATAN 7.2 3

KAB. BOMBANA 7.2 3

KAB. WAKATOBI 7.2 3

KAB. KOLAKA UTARA 7.2 3

KAB. BUTON UTARA 7.2 4

KAB. KONAWE UTARA 7.2 3

KOTA KENDARI 7.2 4

KOTA BAU-BAU 7.2 3

KAB. BOALEMO 7.2 5

KAB. GORONTALO 7.2 5

KAB. POHUWATO 7.2 5

KAB. BONE BOLANGO 7.2 5

KAB. GORONTALO UTARA 7.2 5

KOTA GORONTALO 7.2 5

Sulawesi Tengah

Sulawesi Selatan

Sulawesi Tenggara

84

Provinsi

Kota/ Kabupaten

Cresta

Zona

KAB. MAJENE 7.2 4

KAB. MAMASA 7.2 4

KAB. MAMUJU 7.2 4

KAB. MAMUJU UTARA 7.2 3

KAB. POLEWALI MANDAR 7.2 4

KAB. MALUKU TENGGARA BARAT 8 5

KAB. MALUKU TENGGARA 8 4

KAB. MALUKU TENGAH 8 4

KAB. BURU 8 5

KAB. KEPULAUAN ARU 8 5

KAB. SERAM BAGIAN BARAT 8 4

KAB. SERAM BAGIAN TIMUR 8 5

KOTA AMBON 8 5

KOTA TUAL 8 4

KAB. HALMAHERA BARAT 8 5

KAB. HALMAHERA TENGAH 8 4

KAB. KEPULAUAN SULA 8 5

KAB. HALMAHERA SELATAN 8 5

KAB. HALMAHERA UTARA 8 5

KAB. HALMAHERA TIMUR 8 4

KOTA TERNATE 8 5

KOTA TIDORE 8 5

KAB. FAK-FAK 8 3

KAB. KAIMANA 8 3

KAB. TELUK WANDOMA 8 4

KAB. TELUK BINTUNI 8 4

KAB. MANOKWARI 8 5

KAB. SORONG SELATAN 8 3

KAB. SORONG 8 4

KAB. RAJA AMPAT 8 4

KOTA SORONG 8 3

KAB. MERAUKE 8 1

KAB. JAYAWIJAYA 8 5

KAB. JAYAPURA 8 5

KAB. NABIRE 8 5

KAB. YAPEN WAROPEN 8 4

KAB. BIAK NUMFOR 8 4

KAB. PANIAE 8 4

KAB. PUNCAK JAYA 8 3

KAB. MIMIKA 8 3

KAB. BOVEN DIGOEL 8 2

KAB. MAPPI 8 2

KAB. ASMAT 8 2

KAB. YAHUKIMO 8 5

KAB. PEGUNUNGAN BINTANG 8 4

KAB. TOLIKARA 8 5

KAB. SARMI 8 5

KAB. KEEROM 8 5

KAB. WAROPEN 8 4

KAB. SUPIORI 8 4

KOTA JAYAPURA 8 5

Papua Sulawesi Barat

Maluku

Maluku Utara