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  1. Home
  2. How We Protect YOU
  3. Deposit Insurance System
  4. Calculation for DIS

Calculation for DIS

Calculation for DIS

An example of how separate deposit insurance protection would be applied for a depositor holding several accounts in a member bank is provided here:

DEPOSITORTYPE OF DEPOSITAMOUNT (RM)PROTECTED BY PIDM (RM)
AhmadSavings300,000250,000
Ahmad and wifeCurrent300,000250,000
ahmad, wife and daughterSavings250,000250,000
Ahmad, Leong & Co. (legal firm)Current200,000200,000
Ahmad & Ali Sdn. Bhd.Current50,00050,000
Total deposits 1,100,000 
Total deposits protected by PIDM1,000,000

An example of how Islamic and conventional deposits held for a depositor in the same member bank are protected separately:

DEPOSITORTYPE OF DEPOSITAMOUNT (RM)TOTAL (RM)PROTECTED BY PIDM (RM)
ZitaConventional savings
Conventional current
150,000
150,000
300,000250,000
 Islamic savings275,000275,000250,000
Total deposits  575,000 
Total deposits protected by PIDM500,000
  • How PIDM Protects You
  • Deposit Insurance System
    • What is the Deposit Insurance System (DIS)?
    • Coverage For DIS
    • Calculation for DIS
    • Trust Account
    • Member Banks
    • Information Materials
    • Deposit Insurance System (FAQs)
    • About PIDM (FAQs)
  • Takaful and Insurance Benefits Protection System
    • What Is the Takaful & Insurance Benefits Protection System (TIPS)?
    • Coverage For TIPS
    • Calculation of TIPS
    • Insurer Members
    • Information Materials
    • Takaful & Insurance Benefits Protection System (FAQs)
    • About PIDM (FAQs)
  • Resolution
    • PIDM’s Role in the Financial Safety Net System
    • PIDM's Resolution Approach
    • Planning to Ensure an Effective Resolution by PIDM
    • Strategic Importance and Benefits of Resolution Planning
    • Resolution Planning Exposure Draft

CONTACT DETAILS

Level 12, Axiata Tower,
No. 9, Jalan Stesen Sentral 5,
Kuala Lumpur Sentral
50470 Kuala Lumpur

For mailing purposes:
P.O.Box. 13071
50798 Kuala Lumpur

Tel: +603-2173 7436 / 2265 6565
Fax: +603-2173 7527 / 2260 7432
Toll Free: 1-800-88-1266
Email: info@pidm.gov.my

 

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