By AslÄ± DemirgÃ¼Ã§-Kunt, Edward J. Kane, Luc Laeven
Drawing on an unique cross-country dataset on deposit assurance structures, an evaluation of the influence of deposit coverage on banking results and the coverage implications for constructing international locations.
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Extra resources for Deposit Insurance around the World: Issues of Design and Implementation
Merton, Robert. 1977. An Analytical Derivation of the Cost of Deposit Insurance and Loan Guarantees. Journal of Banking and Finance 1: 3–11. Merton, Robert. 1978. On the Cost of Deposit Insurance When There Are Surveillance Costs. Journal of Business 51: 439–452. World Bank. 2004. Deposit Insurance—Reforms Supported by the World Bank during the Period 1993–2004. , Operations Evaluation Department. C. 1 Introduction Every country offers implicit deposit insurance, no matter how strongly top ofﬁcials may deny it.
A. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. a. Note: This table lists the countries that adopted explicit deposit insurance systems by year-end 2003. The data are compiled by the authors. We refer to the data section of this paper for details about the data sources and variable deﬁnitions. GDP and bank deposits per capita are from International Financial Statistics (IFS). The following ‘‘nonadopting’’ countries are included in our sample: Afghanistan, Angola, Armenia, Australia, Azerbaijan, Barbados, Belize, Benin, Bhutan, Bolivia, Botswana, Brunei, Burkina Faso, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, China, Comoro Islands, Costa Rica, Coˆte d’Ivoire, Cuba, Djibouti, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Fiji, Gabon, Gambia, Georgia, Ghana, Grenada, Guinea, Guinea-Bissau, Guyana, Haiti, Hong Kong (China), Iran, Iraq, Israel, Kiribati, Kyrgyz Republic, Laos, Lesotho, Liberia, Libya, Madagascar, Malawi, Maldives, Mali, Mauritania, Mauritius, Moldova, Mongolia, Morocco, Mozambique, Myanmar, Namibia, Nepal, New Zealand, Niger, Pakistan, Panama, Papua New Guinea, Qatar, Republic of Congo, Rwanda, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Singapore, Solomon Islands, Somalia, South Africa, St.
The equivalent of US$2,000 (per person per bank) is fully covered by insurance. Eighty percent coverage is provided for the next US$3,000 (that is from US$2,000 to US$5,000). Amounts exceeding the equivalent of US$5,000 per person per bank are not insured. c Full guarantee on time deposits; 90 percent coverage of savings deposits up to a limit of 120 Unidades de Fomento. (1 Unidad de Fomento ¼ US$24). d Banks in Greenland with Danish ownership are covered by the Danish deposit insurance scheme.