R

Risk-weighted capital ratio (supervisory ratio)

Test capital divided by the total risk value balance sheet and off-balance sheet items. The minimum ratio is 10 percent.

S

S.V.B.

Social Security Bank ('Sociaal Verzekerings Bank').

Savings deposits

These are deposits without specific maturity and meeting the following requirements:

Sectors (balance of payments)

There are three sectors covered in the balance of payments of Aruba, i.e., the oil sector, the free-zone sector, and the rest of the economy, which includes all their sectors of the economy after excluding the oil and freezone sectors.

Services: Government n.i.e. (balance of payments)

Payments by the government of the Netherlands in connection with its representative office in Aruba (including the Dutch Royal Navy) are included as inflows, while payments by the Aruban Government related to its representative office in the Netherlands ('Aruba Huis') and its tourism offices abroad are, among others, recorded as outflows.

Services: Other (balance of payments)

These services mainly include management fees, transactions for industrial maintenance, contracting works, royalties, postal and telecommunication charges, insurance services, rents and leases.

Services: Transportation (balance of payments)

Contains, among other things, harbor dues and fees, and passenger fares. Data on transportation are based on the relevant payments. However, adjustments are made to allow for the fact that in the balance of payments goods are recorded consistently on a f.o.b. basis.

Services: Travel (balance of payments)

Registered tourism receipts from transactions in foreign currency, traveler's checks and credit cards are recorded by the foreign exchange banks, as well as the enterprises holding accounts with foreign banks. Goods taken out of Aruba by tourists and paid for in foreign currency, traveler's checks or credit cards and flows related to medical treatment and expenditures of students are also included under 'travel'.

Shareholder (supervisory term)

A natural person/legal entity who/that:

Subordinated debt

Liabilities subordinated to claims of depositors and other creditors.