IMF Working Papers

Deposit Protection Arrangements: A Survey

ByAlexander Y Kyei

December 1, 1995

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Alexander Y Kyei. "Deposit Protection Arrangements: A Survey", IMF Working Papers 1995, 134 (1995), accessed 12/20/2025, https://doi.org/10.5089/9781451855548.001

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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 is a survey of deposit protection arrangements and it compares the key elements of deposit protection schemes around the world. There are more implicit arrangements that guarantee deposits than explicit ones, but there has been a growing tendency since the 1980s for countries to adopt explicit ones largely in response to emerging problems with their financial systems.

Subject: Bank credit, Bank deposits, Banking, Budget planning and preparation, Deposit insurance, Expenditure, Financial crises, Financial services, Money, Public expenditure review, Public financial management (PFM)

Keywords: a number of country, Africa, Asia and Pacific, Bank credit, Bank deposits, bank owner, banking system, banks' fund, Budget planning and preparation, country case summary, deposit guarantee arrangement, Deposit insurance, deposit protection arrangement, Europe, foreign currency, government action, government assistance, government Guarantee, government involvement, guarantee arrangement, implicit government guarantee, mere government guarantee, Middle East, Public expenditure review, uninsured bank, Western Hemisphere, WP

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