Deposit Insurance Database

By Asli Demirgüç-Kunt, Edward Kane, Luc Laeven

July 3, 2014

Preview Citation

Format: Chicago

Asli Demirgüç-Kunt, Edward Kane, and Luc Laeven. Deposit Insurance Database, (USA: International Monetary Fund, 2014) accessed December 22, 2024

Disclaimer: This Working Paper should not be reported as representing the views of the IMF.The views expressed in this Working Paper are those of the author(s) and do not necessarily represent those of the IMF or IMF policy. Working Papers describe research in progress by the author(s) and are published to elicit comments and to further debate

Summary

This paper provides a comprehensive, global database of deposit insurance arrangements as of 2013. We extend our earlier dataset by including recent adopters of deposit insurance and information on the use of government guarantees on banks’ assets and liabilities, including during the recent global financial crisis. We also create a Safety Net Index capturing the generosity of the deposit insurance scheme and government guarantees on banks’ balance sheets. The data show that deposit insurance has become more widespread and more extensive in coverage since the global financial crisis, which also triggered a temporary increase in the government protection of non-deposit liabilities and bank assets. In most cases, these guarantees have since been formally removed but coverage of deposit insurance remains above pre-crisis levels, raising concerns about implicit coverage and moral hazard going forward.

Subject: Bank deposits, Banking, Banking crises, Blanket guarantee, Deposit insurance, Financial crises, Financial services, Government liabilities, Public financial management (PFM)

Keywords: Bank deposits, Banking crises, Blanket guarantee, Deposit account, Deposit insurance, Deposit insurance agency, Deposit insurance arrangement, Explicit deposit insurance scheme, Financial crises, Financial institutions, Global, Government debt-to-GDP ratio, Government funding, Government guarantee, Government indebtedness, Government liabilities, Guarantee scheme, Insurance arrangement, Insurance coverage, Insurance scheme, Low income, Protection scheme, WP

Publication Details

Pages:

44
Volume:

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DOI:

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Issue:

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Series:

Working Paper No. 2014/118
Stock No:

WPIEA2014118
ISBN:

9781498354479
ISSN:

1018-5941

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