Guidelines on the Differential Premium Systems - PIDM

Ref No DI/GL2-A1/2011(DPS) Issued on 4 March 2011TITLE<strong>Guidelines</strong> on The Differential Premium SystemsData Requirement8. Finance, Insurance, RealEstate and BusinessActivitiesA member withDecemberFinancial Year EndA member withNon-DecemberFinancial Year EndFISS item code:34000-00-00-8000-Y less34000-00-00-8310-YRemarks9. Education, Health andOthers10. Adjusted Household11. Purchase of ResidentialProperty 112. Purchase of TransportVehicles 1FISS item code:34000-00-00-9000-YFISS item code:34000-00-00-9700-Y lessLoans for Purchase of ResidentialProperty lessLoans for Purchase of Transport Vehiclenot a FISS reportable itemnot a FISS reportable itemThe information shallbe extracted fromBNM’s FISSThese items shall beinternally extractedby a memberWhere:1 loans for purchase of residential property and purchase of transport vehicles within loans tohousehold sector.Scoring Grid:Household SectorConcentration RatioHousehold Sector ≥ 55% ofTotal Loans OutstandingAggregate Sector Loans Concentration Ratio- exposures of loans by sectors exceeding20% of total loan outstandingScoreAggregate Sector Loans Concentration ≤ 50% 5Aggregate Sector Loans Concentration > 50% 3Aggregate Sector Loans Concentration ≤ 35% 5Household Sector < 55% ofTotal Loans OutstandingAggregate Sector Loans Concentration> 35% but ≤ 50%Aggregate Sector Loans Concentration> 50% but ≤ 75%Aggregate Sector Loans Concentration > 75% 031Page 39