Insured Deposit
1. |
The insured deposits comprised of third party funds (non-bank) and interbank deposits, including current accounts, time deposits, certificate of deposits, saving accounts, and/or other similar forms of deposits.
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2. | Syaria-based deposits that are insured include:
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3. |
The insured deposits comprise of deposits derived from the public, including those from other banks.
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4. |
The amount of deposits that is insured by IDIC comprise of the deposit's balance that consists of principal and accrued interest/return as of the date of the bank's license's.
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5. | These deposits are in the form of:
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6. | The balance insured per depositor for a single bank comprise of the sum of all balances of accounts/deposits that the depositor has within the bank in the form of either single or joint account | ||||||||||
7. | In regards to joint accounts, the balance to be used for a depositor will be the joint account's balance which is proportionally divided among the account holders. | ||||||||||
8. | If the depositor possesses, both, an individual and joint account, therefore, the individual account's balance takes precedence. | ||||||||||
9. | If a depositor has an account which, in writing, is to be allocated to a beneficiary. Therefore, the balance of this account will be treated as the beneficiary's account balance. | ||||||||||
10. | As of 13th October 2008, the maximum amount of deposit insured per depositor within a single bank is Rp2 billions. |