Deposit Insurance Database

Asli Demirguc-Kunt, Edward Kane and Luc Laeven

No 2014/118, IMF Working Papers from International Monetary Fund

Abstract: 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.

Keywords: WP; insurance coverage; government guarantee; deposit account; insurance scheme; Deposit insurance; Financial institutions; Financial crises; low income; insurance arrangement; explicit deposit insurance scheme; government funding; deposit insurance arrangement; deposit insurance agency; guarantee scheme; government indebtedness; government debt-to-GDP ratio; protection scheme; Government liabilities; Bank deposits; Blanket guarantee; Banking crises; Global (search for similar items in EconPapers)
Pages: 44
Date: 2014-07-03
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (69)

Downloads: (external link)
http://www.imf.org/external/pubs/cat/longres.aspx?sk=41710 (application/pdf)

Related works:
Working Paper: Deposit Insurance Database (2014)
Working Paper: Deposit insurance database (2014)
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:imf:imfwpa:2014/118

Ordering information: This working paper can be ordered from
http://www.imf.org/external/pubs/pubs/ord_info.htm

Access Statistics for this paper

More papers in IMF Working Papers from International Monetary Fund International Monetary Fund, Washington, DC USA. Contact information at EDIRC.
Bibliographic data for series maintained by Akshay Modi ().