We look at the division of 106696 by 95 
The aim is to understand the frequency of 95 in 106696.

Going ahead to step 1:
95 goes into 1 0 times with a remainder of 1.
The next digit of our result is 0. 
Result so far: 0.0
If we take 0 away from 1, we end up with 1.
Fetch the next digit (0) from the dividend, attach it to 1 and continue: 10 / 95

Moving on to step 2:
If we divide 10 by 95, we get 0 and a remainder of 10.
Put 0 as the next digit of the answer. 
Result so far: 0.0
Deduct 0 from 10 and we're left with 10.
Take the next digit (6) from the dividend and append it to 10, then repeat: 106 / 95

Moving on to step 3:
106 divided by 95 is 1 with a remainder of 11.
Use 1 as the next digit of our solution. 
Result so far: 1.0
If we take 95 away from 106, we end up with 11.
Fetch the next digit (6) from the dividend, attach it to 11 and continue: 116 / 95

Step 4:
95 goes into 116 1 times with a remainder of 21.
Put 1 as the next digit of the answer. 
Result so far: 11.0
The remainder is 21 after subtracting 95 from 116.
Grab the next digit (9) from the dividend, add it to 21, then carry on: 219 / 95

Moving on to step 5:
If we divide 219 by 95, we get 2 and a remainder of 29.
Use 2 as the next digit of our solution. 
Result so far: 112.0
Subtract 190 from 219 to get 29.
Fetch the next digit (6) from the dividend, attach it to 29 and continue: 296 / 95

Going ahead to step 6:
95 can be fit into 296 3 times, resulting in a remainder of 11.
The next digit of our result is 3. 
Result so far: 1123.0
Subtract 285 from 296 to get 11.
Since there are no more digits in the dividend, we add a zero to the remainder making it 110, and continue the process.

Step 7:
The number 95 fits into 110 1 times, leaving a remainder of 15.
Put 1 as the next digit of the answer. 
Result so far: 1123.1
Subtract 95 from 110 to get 15.
Since there are no more digits in the dividend, we add a zero to the remainder making it 150, and continue the process.

Step 8:
95 can be fit into 150 1 times, resulting in a remainder of 55.
The number 1 becomes the next digit in our result. 
Result so far: 1123.11
Subtract 95 from 150 to get 55.
Since there are no more digits in the dividend, we add a zero to the remainder making it 550, and continue the process.

Our division results in 1123.11 with a remaining 0.055.