# **<u>Table A8. Deposit (Saving) Protection Schemes: Selected Responses</u>**

||**ALL**|**ADV**|**EMDEs**|
|---|---|---|---|
|**A. Overview and Authority**|**% Yes**|**% Yes**|**% Yes**|
|Is there an explicit deposit insurance protection system for commercial banks?|76<br>(56)|89<br>(78)|71<br>(47)|
|Does the deposit insurance agency/fund administrator have:<br>Bank examination authority as part of its mandate?<br>Authority to access information collected by banking supervisors as part of its mandate?<br>Method of failure resolution authority as part of its mandate?<br>Paybox authorityaspart of its mandate?|34<br>67<br>37<br>75|24<br>59<br>18<br>88|39<br>71<br>47<br>68|
|Does the deposit insurance agency/fund administrator have bank intervention authority as<br>part of its mandate?|27<br>(20)|18<br>(18)|32<br>(21)|
|Does the deposit insurance authority by itself have the legal power to cancel or revoke<br>deposit insurance for any participating bank?|24<br>(26)|29<br>(21)|22<br>(29)|
|**B.**<br>**Membership and Coverage**|**% Yes**|**% Yes**|**% Yes**|
|Is participation in the deposit insurance system compulsory for<br>Domestic banks?<br>Foreign bank subsidiaries?<br>Foreign bank branches?|95<br>88<br>65|97<br>97<br>53|94<br>83<br>71|
|Is foreign currency deposits excluded from deposit insurance coverage?|17<br>(21)|18<br>(28)|17<br>(17)|
|Is interbank deposits excluded from deposit insurance coverage?|77<br>(91)|79<br>(96)|75<br>(89)|
|Are deposits of the foreign branches of domestic banks excluded from deposit insurance<br>coverage?|51|38|57|
|Are deposits of the foreign subsidiaries of domestic banks excluded from deposit insurance<br>coverage?|71|85|63|
|Is the deposit insurance coverage<br>Per depositor account?<br>Per depositor? Depositor reimbursement|10<br>18|9<br>9|11<br>22|
|<br>Per depositorper institution?|81|88|78|
|**C. Depositor Reimbursement**|**% Yes**|**% Yes**|**% Yes**|
|Were insured depositors wholly compensated (to the extent of legal protection) the last<br>time a bank failed?|76<br>(79)|79<br>(79)|74<br>(78)|
|Were any deposits not explicitly covered by the deposit insurance scheme at the time of<br>failure compensated the last time a bank failed (excluding funds later paid out in liquidation<br>procedures)?|24<br>(36)|21<br>(17)|26<br>(45)|
|**D. Some More Details ...**|**Median**|**Median**|**Median**|
|What is the basic deposit insurance limit per category of insured deposits as of end of<br>2010? (2010 Thousands USD)|66|127|25|
|What percentage of the total deposits of participating commercial banks was actually<br>covered by the scheme as of end of<br>2008? (%)<br>2009? (%)<br>2010?(%)|35<br>37<br>37|52<br>53<br>54|30<br>30<br>31|
|From the time of the event's trigger, within how many days is the deposit insurance scheme<br>legally obligated to fully reimburse insured depositors?|30|20|30|

Source: Calculations based on the 2011–12 Bank Regulation and Supervision Survey, which reflects values as of 2010. Values in parentheses refer to the 2007 Bank Regulation and Supervision Survey, which captures data as of 2005. ADV: advanced economies, EMDEs: emerging and developing economies (Table 1 provides the complete list of countries).

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