Deposit Insurance Database
IMF Working Papers, July 3, 2014
Source details
- Canonical URL
- Deposit Insurance Database
Other formats
Bibliographic details
- Authors: Asli Demirgüç-Kunt, Edward Kane, Luc Laeven
- Published: July 3, 2014
- Series: IMF Working Papers
- DOI: https://doi.org/10.5089/9781498354479.001
Overview and purpose
- Provides a comprehensive, global database of deposit insurance arrangements as of 2013.
- Extends an earlier dataset by:
- including recent adopters of deposit insurance, and
- including information on the use of government guarantees on banks’ assets and liabilities, including during the recent global financial crisis.
- Creates a Safety Net Index capturing the generosity of the deposit insurance scheme and government guarantees on banks’ balance sheets.
Key findings
- Deposit insurance has become more widespread and more extensive in coverage since the global financial crisis.
- The global financial crisis triggered a temporary increase in government protection of non-deposit liabilities and bank assets.
- In most cases, these crisis-era guarantees have since been formally removed.
- Coverage of deposit insurance remains above pre-crisis levels.
- The persistence of higher deposit insurance coverage raises concerns about implicit coverage and moral hazard going forward.
Data and measures
- Coverage year: as of 2013.
- Safety Net Index: constructed to capture the generosity of deposit insurance schemes and government guarantees on banks’ balance sheets.
Subjects and keywords (as listed)
- Subjects: 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.