Guidelines on the Differential Premium Systems - PIDM
Guidelines on the Differential Premium Systems - PIDM
Guidelines on the Differential Premium Systems - PIDM
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Ref No DI/GL2-A1/2011(DPS) Issued <strong>on</strong> 4 March 2011TITLE<str<strong>on</strong>g>Guidelines</str<strong>on</strong>g> <strong>on</strong> The <strong>Differential</strong> <strong>Premium</strong> <strong>Systems</strong>4.2. AGGREGATE SECTOR LOANS CONCENTRATION RATIO (%)Formula:To determine loans by sectors exceeding 20% of total loans outstandingLoans by SectorsTotal Loans OutstandingX 100Step 1:Determine <strong>the</strong> percentage of each loans by sector out of total loans outstanding.Step 2:Aggregate each loans by sector that exceeded 20% i.e. sum all loans by sectors exceed 20%<strong>the</strong>n divide with total loans outstanding.Loans by Sectors are defined belowSource of informati<strong>on</strong>:Data RequirementA member withDecemberFinancial Year EndA member with N<strong>on</strong>-December FinancialYear EndRemarks1. Primary Agriculture2. Mining and Quarrying3. Manufacturing (includingAgro-Based)4. Electricity, Gas and WaterSupply5. C<strong>on</strong>structi<strong>on</strong> and RealEstate Activities6. Wholesale and RetailTrade and Restaurants,and Hotels7. Transport, Storage andCommunicati<strong>on</strong>FISS item code:34000-00-00-1000-YFISS item code:34000-00-00-2000-YFISS item code:34000-00-00-3000-YFISS item code:34000-00-00-4000-YFISS item code:34000-00-00-5000-Y plus34000-00-00-8310-YFISS item code:34000-00-00-6000-YFISS item code:34000-00-00-7000-YThe informati<strong>on</strong> shallbe extracted fromBNM’s FISSPage 38
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