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:

DEPOSITOR	TYPE OF DEPOSIT	AMOUNT (RM)	PROTECTED BY PIDM (RM)
Ahmad	Savings	300,000	250,000
Ahmad and wife	Current	300,000	250,000
ahmad, wife and daughter	Savings	250,000	250,000
Ahmad, Leong & Co. (legal firm)	Current	200,000	200,000
Ahmad & Ali Sdn. Bhd.	Current	50,000	50,000
Total deposits		1,100,000
Total deposits protected by PIDM			1,000,000

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

DEPOSITOR	TYPE OF DEPOSIT	AMOUNT (RM)	TOTAL (RM)	PROTECTED BY PIDM (RM)
Zita	Conventional savings Conventional current	150,000 150,000	300,000	250,000
	Islamic savings	275,000	275,000	250,000
Total deposits			575,000
Total deposits protected by PIDM				500,000

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