38

# **-** **<u>Table 3. Design of Explicit Deposit Insurance Schemes Around the World, end 2013 (continued)</u>**

|As of 2013<br>_T Dit I Sh_|Laos<br>Latvia<br>Lebanon<br>Libya<br>Liechtenstein<br>Lithuania<br>Luxembourg<br>Macedonia, FYR<br>Malaysia<br>Malta<br>Marshall Islands<br>Mexico<br>Micronesia<br>Moldova<br>Mongolia<br>Montenegro, Rep. of<br>Morocco<br>Nepal<br>Netherlands<br>Nicaragua<br>Nigeria<br>Norway<br>Oman<br>Paraguay<br>Peru<br>Philippines<br>Poland<br>Portugal<br>Romania<br>Russian Federation<br>Serbia<br>Singapore<br>Slovak Republic<br>Slovenia<br>Spain<br>Sri Lanka<br>Sudan<br>Sweden<br>Switzerland<br>Tajikistan<br>Tanzania<br>Thailand<br>Trinidad and Tobago<br>Turkey<br>Turkmenistan<br>Uganda<br>Ukraine<br>United Kingdom<br>United States<br>Uruguay<br>Uzbekistan<br>Venezuela, Rep. Bol.<br>Vietnam<br>Yemen, Republic of<br>Zimbabwe|
|---|---|
|_ype of epos nsurance ceme_<br>explicit|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|legally separate|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|central bank, supervisor, or ministry|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x 1/<br>x|
|administered publicly|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|administered privately|x<br>x<br>x<br>x<br>x|
|administered jointly|x<br>x<br>x<br>x<br>x<br>x<br>x|
|paybox only|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|paybox plus, loss or risk minimizer|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x x 35/ x<br>x<br>x<br>x<br>x<br>x<br>x|
|multiple schemes|x<br>x<br>x 13x 14/<br>x 15/<br>x 20/|
|_Participation and Coverage_||
|compulsory for domestic banks|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|local subsidiaries of foreign banks|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|local branches of foreign banks|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|foreign currency deposits|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|<br>interbank deposits|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|coinsurance|x|
|_Funding_<br>||
|ex-ante fund|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|ex-post scheme|x<br>x<br>x<br>x<br>x<br>x|
|funded by government||
|funded privately|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x3/<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x4/<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|funded jointly|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x5/<br>x<br>x<br>x<br>x|
|backstop 6/|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x x 28/ x<br>x<br>x<br>x|
|_Contributions and Assessment Base_||
|risk-adjusted premiums|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|assessment base 34/||
|covered deposits|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|eligible deposits|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|total deposits|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x|
|total liabilities|x<br>x<br>x<br>x<br>x<br>x 33/|
|_Payouts to Depositors_||
|per deposit account||
|per depositor per institution|x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x x 30 x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x<br>x x 31/ x<br>x<br>x<br>x<br>x<br>x|
|per depositor|x|
|<br>deposit losses imposed 21/|22/<br>23/|

Notes: Table excludes voluntary and contractual schemes other than the national statutory scheme. Coverage is for all countries with explicit deposit insurance schemes. Information is as of 2013. 1/ Swedish National Debt Office.

2/ In 2011, the Netherlands adopted a regulation to transform its ex-post DGS into an ex-ante funded scheme with risk-based contributions, to come into effect on July 1, 2013.

3/ The Dutch Central Bank administers the scheme and pays out the depositors. The costs of the scheme are transferred (including the administrative costs) ex post to the members of the DGS, subject to an annual cap of 5% of own funds of each member. The ex post scheme will become an ex ante scheme on July 1, 2015.

4/ In case of a bank failure, the Bank of Slovenia temporarily assumes the obligation to pay the guaranteed deposits and then calls on other banks to contribute funds needed for the paying out of insured deposits. To ensure banks have sufficient liquid assets to contribute such funds, all banks are required to invest a minimum of 2.5% of insured deposits in debt securities that are eligible for the collateralization of Eurosystem receivables as defined by Bank of Slovenia.