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 |