{
  "title": "Republic of Serbia: Financial Sector Assessment Program Update: Technical Note on Deposit Insurance",
  "publication": "IMF Staff Country Reports, May 27, 2010",
  "sourceUrl": "https://www.imf.org/en/publications/cr/issues/2016/12/31/republic-of-serbia-financial-sector-assessment-program-update-technical-note-on-deposit-23913",
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  "summary": "This Technical Note discusses key findings of the assessment of deposit insurance in Serbia. The deposit insurance scheme is managed by the deposit insurance agency (DIA), which has a multi-faceted mandate.",
  "sections": [
    {
      "heading": "Key findings",
      "content": "- The deposit insurance scheme is managed by the deposit insurance agency (DIA), which has a multi-faceted mandate.\n- Few DIA staff are actively involved in the core mandate of deposit insurance fund (DIF) management.\n- DIA revenue sources are volatile.\n- DIF-related revenues are used to subsidize non-DIF related activities.\n- To improve transparency and ensure sustainability of the DIF, the legal framework should be amended to clarify the use of DIF resources and cap the use for operating costs."
    },
    {
      "heading": "Issues identified",
      "content": "- Multi-faceted DIA mandate dilutes staff focus on core DIF management.\n- Revenue volatility undermines predictability and sustainability of the DIF.\n- Current legal framework permits DIF-related revenues to subsidize non-DIF activities, reducing transparency."
    },
    {
      "heading": "Policy recommendations",
      "content": "- Amend the legal framework to clarify permissible uses of DIF resources.\n- Introduce a cap on the use of DIF resources for operating costs to protect fund sustainability and enhance transparency.\n\n---\n\n Content in this bundle\n\n- This note focuses on the deposit insurance scheme\n  - This note focuses on the deposit insurance scheme (Markdown version){rel=\"alternate\" type=\"text/markdown\"}\n  - This note focuses on the deposit insurance scheme (PDF){rel=\"external\" type=\"application/pdf\"}"
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    "Published: May 27, 2010",
    "Series: IMF Staff Country Reports",
    "DOI: https://doi.org/10.5089/9781455205677.002",
    "The deposit insurance scheme is managed by the deposit insurance agency (DIA), which has a multi-faceted mandate.",
    "Few DIA staff are actively involved in the core mandate of deposit insurance fund (DIF) management.",
    "DIA revenue sources are volatile.",
    "DIF-related revenues are used to subsidize non-DIF related activities.",
    "To improve transparency and ensure sustainability of the DIF, the legal framework should be amended to clarify the use of DIF resources and cap the use for operating costs.",
    "Multi-faceted DIA mandate dilutes staff focus on core DIF management.",
    "Revenue volatility undermines predictability and sustainability of the DIF.",
    "Current legal framework permits DIF-related revenues to subsidize non-DIF activities, reducing transparency.",
    "Amend the legal framework to clarify permissible uses of DIF resources.",
    "Introduce a cap on the use of DIF resources for operating costs to protect fund sustainability and enhance transparency.",
    "**This note focuses on the deposit insurance scheme**"
  ],
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