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Sistem Osiguranja Depozita
Example content for graphs 2
The individual compensation amount is calculated as follows
All deposits of a depositor will be aggregated
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acured interest shall be added (until the date of license revocation and closure of the bank)
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all overdue liabilities, (if any) of the depositor (loans, overdrafts, etc) towards the bank shall be deducted
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the depositors net claim to the bank
DIFK shall compensate maximum EUR 5,000.00
Example content for graphs 1
Example 1
Amounts
Deposit balance on current account
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€ 900
interest on current account
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€ 50
deposit balance on savings account
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€ 4000
interest on savings account
=
€ 50
total deposits including interests
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€ 5000
overdue liabilities (unpaid)
=
€ 0
Total net claim:
€ 5000
Compensation amount to be paid by DIFK
€ 5000
Joint Account
Amount
Deposit balance on current account
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€ 2500
Interest on current account
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€ 120
Deposit balance on joint savings account (50% share)
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€ 2000
Interest on joint savings account
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€ 80
Total deposits including interest
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€ 4700
Overdue liabilities (unpaid)
=
€ 200
Total net claim
€ 4500
Compensation amount to be paid by DIFK
€ 4500
A natural person is holding a deposit account as a “natural person” and is the owner of a legal entity – in such a case the deposits of the natural person and of the legal person are to be insured separately as follows:
Example 3
Amount
Deoposit balance on current account including interest (natural person)
€ 4000
Deposit balance on current account including interest (Legal person, i.e. natural person mentioned before is the owner of this legal entity )
€ 5000
Assuming there are no overdue liabilities, the claims of the natural and legal person are treated separately, therefore, the compensation amount of the natural person shall be €4,000 whereas for the legal person shall be €5,000.
€
What happens if the depositor’s net claim to the bank exceeds the maximum compensation amount of €5,000 (euro)?
If a depositor’s net claim exceeds the amount of €5,000 (euro), like in the second example, the difference between the depositor’s net claim and the maximum compensation amount will be settled by the Receiver in the course of the liquidation proceedings of the bank.
Example 4
Amount
Deposit balance on current account
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€ 3000
Interest on current account
+
€ 90
Deposit balance on savings account
+
€ 5000
Interest on savings account
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€ 110
Total deposits including interest
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€ 8200
Overdue liabilities (unpaid)
=
€ 500
Total net claim
€ 7700
Compensation amount paid by DIFK
€ 5000
Uninsured amount (Claim to the receiver)
€ 2700