Knowledge

Deposit insurance

Source 📝

301:
by Resolution 4222 of 2013. The Fiscal Responsibility Act prohibits the use of public funds to finance the losses, so it is formed exclusively by compulsory contributions from the participating institutions. The warranty is limited to R$ 250,000 per depositor. The Guarantor Credit Union Fund (FGCoop) was created in order to protect depositors of credit unions and cooperative banks. As the FGC, the FGCoop guarantees up to R$ 250,000 and consists of compulsory contributions of cooperatives and cooperative banks.
1799: 1766:
financial institution system, administration of institutions subject to control under the Financial Institutions Businesses Act, and liquidation of financial institutions whose licenses have been revoked. Deposit in Thailand was fully guaranteed until 10 August 2011. From 11 August 2011 until 10 August 2012, the coverage dropped to 50 million baht per depositor per bank. Since then coverage has been limited to THB one million per depositor per bank.
1813: 25: 1528:, an opt-in scheme for retail deposits, on 12 October 2008. An extension to the scheme was announced on 25 August 2009 and the scheme ran until 31 December 2011. From 1 January 2012 bank deposits in New Zealand are not protected by the Government. New Zealand’s parliament passed a law to set up the country’s first deposit insurance scheme on June 29, 2023 and will cover deposits up to NZD$ 100,000 once implemented. 1458:, both Guernsey and Jersey introduced deposit compensation schemes. The Guernsey scheme was enacted in November 2008 and offers compensation of up to £50,000 per depositor, subject to an overall cap of £100 million in any five-year period. The scheme does not cover company or, with minor exceptions, trust accounts. The Jersey scheme was enacted in November 2009 and offers a similar level of protection. 127: 66: 1542:
in Bangladesh. In accordance to the Act Bangladesh Bank is authorized to carry out a Fund called the Deposit Insurance Trust Fund (DITF). The DITF is administered and managed by a Trustee Board. In case of winding up of an insured bank, every depositor of the bank will be paid an amount not exceeding to BDT 100,000 as per "The Bank Deposit Insurance Act 2000".
1551:
protected in full. The plan is expected to take effect in January 2015, and is intended by Chinese officials to increase certainty and help customers better assess risks and protect the nation's financial stability in the event of a crisis. China has one of the world's biggest deposit bases and as of October, bank deposits totaled about $ 18.2 trillion.
1778:
issue, encouraging both depositors and banks to take on excessive risks. Without deposit insurance, banks would compete prudently for deposits because depositors would prefer safe banks over risky banks to guard their money. With deposit insurance, banks can take excessive risks because depositors do
1765:
The complete deposit protection system was introduced in Thailand by the establishment of the Deposit Protection Agency (DPA) on 11 August 2008, in accordance with the Deposit Protection Agency Act B.E. 2551. The objectives of the Agency as specified by law are providing protection to deposits in the
1489:
The last bank failure in which Australian depositors lost money (and then only a minimal amount) was that of a trading bank, the Primary Producers Bank of Australia, in 1931 (Fitz-Gibbon and Gizycki 2001). Since the early 1930s, banking sector problems have been resolved without losses to depositors.
1475:
parliament, which voted unanimously to bring the Isle of Man depositors' compensation scheme into line with the newly enlarged scheme in the United Kingdom, guaranteeing with immediate effect 100 percent of the first £50,000 per depositor per bank, and studying amendments for the subsequent inclusion
1392:
SLT, Thun. The next cases happened in 2007 with the liquidation of AB FIN SA (a securities dealer) in Lugano and with Kauphting (Luxembourg) SA, Geneva branch which was closed on 9 October 2008. Clients of this bank received the payments (at the time up to CHF 30,000 per customer) within three weeks.
530:
Amount raised to BGN 196,000 (EUR 100,000) effective 31 December 2010. Article 23 (7) of the Bank Deposit Guarantee Law says that the guaranteed amount for foreign currency deposits shall be paid out in Bulgarian levs (BGN) calculated using the Bulgarian National Bank's exchange rate on the first day
442:
of particular firms with whom they engage or are able themselves to reduce their risk by using several financial banks/institutes. The report recommends this practice to continue, as limiting of the scheme's to "retail customers (excl./incl. SME businesses)" helps to reduce the cost of the scheme but
433:
meeting of EU's ministers of finance agreed to increase the minimum amount to 50,000. Timelines and details on procedures for the implementation, which is likely to be a national matter for the member states, was not immediately available. The increased amount followed on Ireland's move, in September
300:
In Brazil, the creation of deposit insurance was authorized by Resolution 2197 of 1995, the National Monetary Council. This standard mandated the creation of a protection mechanism for credit holders against financial institutions, called "Credit Guarantee Fund" (FGC). Currently, the FGC is regulated
1550:
China introduced preliminary proposals for a bank deposit insurance system, which will eventually cover all individual bank accounts for up to CNY 500,000. With the vast majority of Chinese savers holding far less than the maximum, and the central bank has calculated that 99.6% of depositors will be
1541:
In Bangladesh, a deposit insurance scheme was first introduced in 1984 by dint of "The Deposit Insurance Ordinance 1984". In July 2007, the Ordinance was repealed by an Act passed by the parliament called "The Bank Deposit Insurance Act 2000", which currently administers the Deposit Insurance system
317:
in the United States. Since 1967, 43 financial institutions have failed in Canada and all were members of CDIC. There have been no failures since 1996. Information on the Canadian system can be found at www.cdic.ca. Insurance is restricted to registered member institutions, and covers only the first
1786:
The Bibby plan, which avoids the problem of moral hazard but still prevents bank runs, would have the state provide deposit insurance, with the banks paying regular premiums to the state reflecting the extent of the deposit insurance. The level of the deposit insurance could be at the choice of the
1559:
Hong Kong Deposit Protection Board is an independent and statutory institution formed to manage and supervise the operation of Deposit Protection Scheme. The maximum protection amount of deposit was HK$ 100,000 in 2006 (when the Hong Kong Deposit Protection Board was set up), it is now with a limit
935:
The Maltese Depositor Compensation Scheme is managed by a Management Committee which is appointed by the Malta Financial Services Authority (the single regulator for financial services in Malta). The Committee is made up of persons representing the MFSA, the Central Bank of Malta, investment firms,
1782:
If deposit insurance is provided by another business or corporation, like other insurance agreements, there is a presumption that the insurance corporation would either charge higher rates or refuse to cover banks that engaged in extremely risky behavior, which not only solves the problem of moral
1170:
According to Art. 7 (1a) of Directive 94/19/EC all EU Member States were expected to increase the amount to EUR 100,000 as of 31 December 2010. This is the case in all EU countries. For countries with non-EURO currency the limits are near to EUR 100,000 e.g. in Denmark DKK 750,000 which is near to
819:
The Deposit Guarantee Scheme (DGS) protects depositors in the event of a bank, building society or credit union authorised by the Central Bank of Ireland being unable to repay deposits. Deposits up to EUR 100,000 per person per institution are protected. The DGS is obliged to issue compensation to
343:
The roots of this reform can be traced back to the 19th century, such as Upper Canada's financial problems of 1866, the North American panic of 1872, and the 1923 failure of Toronto's Home Bank, symbolized today by Casa Loma. Historically, in Canada, regional risk has always been spread nationally
339:
at their bank may not be covered if they are invested in mutual funds or held in specific instruments like debentures issued by government or corporations. The general principle is to cover reasonable deposits and savings, but not deposits deliberately positioned to take risks for gain, such as
437:
In November 2007 a comprehensive report was published by the EU, with a description and comparison of each Insurance Guarantee Scheme in place for all EU member states. The report concluded that many of the schemes had restricted the appliance of guarantees to retail consumers, usually private
1470:
that compelled a radical revision of deposit insurance in the Isle of Man. Unable to secure reserves held by Kaupthing hf in Iceland or Kaupthing's British subsidiary to facilitate customer withdrawals, Kaupthing Singer & Friedlander (Isle of Man) Ltd. saw its Isle of Man banking licence
286:
As of 2021 the South African Reserve Bank has formed the Corporation for Deposit Insurance, although no effective date had yet been promulgated. The CoDI project was created in line with the Financial Sector Laws Amendment Bill introduced to Parliament in the same year, and Discussion Papers
687:
Following the Irish legislative change to unlimited state guarantee, and the German announcement of unlimited support, the French President declared on 13 October 2008 that "The government will not let any French bank fail", in a speech that was posted on the country's official website,
1501:(FCS) to provide a government guarantee of 100% of all deposits with ADIs for three years in the event of an ADI failing. This was subsequently reduced to a maximum of $ 1 million per depositor per ADI. This measure was in addition to the mandates of APRA and ASIC to monitor Australian 1010:
Provisions of Decree-Law Article 166 says "According to article 12 of Decree-Law No. 211 – A/2008, of 3 November 2008, until 31 December 2011, the limit shall be increased from € 25,000 to € 100,000". Article 2 of the Decree-Law No. 119/2011 set the limit of €100,000 as permanent
1744:
Deposits made to credit unions of South Korea are not covered by KDIC, but the Korean Federation of Credit Cooperatives (KFCC) and the National Credit Union Federation of Korea (NCUFK) regulates their respective members and covers deposits to the same amount covered by KDIC.
1380:
Switzerland has a privately operated deposit insurance system called Deposit Protection of Swiss Banks and Securities Dealers. It guarantees up to CHF 100,000 per bank customer per bank. Membership is compulsory for all banks and securities dealers that are regulated by the
344:
within each large bank, unlike the uneven geography of US unit banking, layered with savings & loans of regional or national size, which in turn disperse their risk through investors. Generally speaking, the Canadian banking system is well regulated, in part by the
1476:
within the scheme of corporate and charitable accounts. The Isle of Man government also pressed the Icelandic government to honour Kaupthing hf's irrevocable and binding guarantee of all depositors' funds held by Kaupthing Singer & Friedlander (Isle of Man) Ltd.
438:
individuals, although small or medium (SME) businesses were also sometimes placed into the retail category. All schemes are do not apply for big wholesale customers under the argument the latter are often in a better position than retail customers to assess the
1421:
The system of deposit guarantee in Ukraine operates according to the Law of Ukraine "On Households Deposit Guarantee System" of 23 February 2012, Ref. number 4452-VI. and covers deposits up to ₴200,000 (about US$ 7,550 or €6,660 at September 2016 rates).
1336:
at September 2016 exchange rate). As at January 2008, DIA funds exceeded 68 billion roubles (2.8 billion US dollars). There were 15 "insured events" (bankruptcy cases involving DIA intervention) in 2007 with resulting payout reaching 350 million roubles.
1627: 330:
with a term of longer than five years held in a CDIC-registered financial institution are insured as of 30 April 2020. Funds in foreign banks operating in Canada may or may not be covered depending on whether they are members of CDIC. Some funds in the
217:). If many of a bank's borrowers fail to repay their loans when due, the bank's creditors, including its depositors, risk loss. Because they rely on customer deposits that can be withdrawn on little or no notice, banks in financial trouble are prone to 1592:). IDIC is a legal independent institution which established based on the Law No. 24 of 2004 and in effect since 22 September 2005. It is a continuation and a perfection of government's deposit insurance program regarding blanket guarantee after 1603:
Currently, the maximum amount of deposit insured is IDR 2,000,000,000 per depositor per bank. If a depositor has several accounts in one bank, the balance of all depositor's accounts will be cumulated to calculate the amount of deposit insured.
360:), the equivalent of $ 2,743,209.20 pesos for each account (as of July 2021). In 1981, the General Law of Credit Institutions and Auxiliary Organizations provided for the creation of a fund to protect credit obligations assumed by banks. 451:
In October 2008, many countries in the EU increased the amount covered by their deposit insurance schemes. Since these amounts are typically encoded in legislation, there was a certain delay before the new amounts were formally valid.
424:
Directive 94/19/EC of the European Parliament and of the Council of 30 May 1994 on deposit-guarantee schemes requires all member states to have a deposit guarantee scheme for at least 90% of the deposited amount, up to at least 20,000
844: 1264:. This case shows the limits of deposit insurance in protecting against systemic failure (as opposed to the collapse of a single bank or other institution), especially when a small country offers banking to international customers. 2268: 1509:. From 1 February 2012, the guarantee was reduced to $ 250,000 per customer per ADI group. The guarantee also applies to foreign-owned banks, but only to deposit accounts in Australia and only with funds in Australian dollars. 434:
2008, to increase its deposit insurance to an unlimited amount. Many other EU countries, starting with the United Kingdom, reacted by increasing their limits to discourage people from transferring their savings to Irish banks.
2064: 260:(IADI), as of 31 January 2014, 113 countries have instituted some form of explicit deposit insurance, up from 12 in 1974. Another 41 countries are considering the implementation of an explicit deposit insurance system. 3779: 1461:
The Isle of Man bank depositors' insurance scheme was introduced in 1991, to cover 75 percent of the first £15,000 per depositor per bank, but it was the October 2008 crisis-stricken Icelandic government's seizure of
277:
are eligible for an international system called the Deposit Guarantee Fund in Central Africa (FOGADAC). Although the system is well capitalized, details of its failure response process remain to be determined.
3892: 401:(NCUA), a separate federally chartered agency, while others rely on private insurance arrangements. The FDIC and NCUA each insure up to $ 250,000 for each owner at an institution. Separately from these, the 240:, while some are private entities with government backing or completely private entities. There are a number of countries with more than one deposit insurance system in operation, including Austria, Canada ( 1657:). All commercial and Islamic banks, including foreign banks operating in Malaysia, are compulsory member institutions of PIDM. The maximum coverage limit is RM250,000 per depositor per member institution. 3356:
Commonwealth of Australia Guarantee of Debt Securities of Australian Authorised Deposit-taking institutions covered by the Australian Government Guarantee scheme for Large Deposits and Wholesale Funding
1741:
per bank per each individual. KDIC, founded in 1996 just before the East Asian financial crisis of 1997, proved its effectiveness through the crisis and gradually upgraded its capacity over the years.
1686:
During the 2007 global financial crises, Mongolia extended blanket guarantee to protect all bank deposits. At the time the guarantee coverage was 1.7 times higher than the state budget of the country.
326:
system are not insured federally because they are created under provincial charters and backed by provincial insurance plans, which generally follow the federal model. Funds in a foreign currency and
3591: 2549:"Indėlių ir įsipareigojimų investuotojams draudimo įstatymo 2, 4, 5, 7, 9, 10, 13, 18, 20, 21, 26 straipsnių bei priedo pakeitimo ir papildymo ir 28 straipsnio pripažinimo netekusiu galios ĮSTATYMAS" 1632: 1960: 2327: 2809: 1757:
3,000,000 is covered by the Central Deposit Insurance Corporation. It was raised from the previous insurance coverage of NT$ 1,500,000. (or equivalent in dollar or other foreign currency).
1787:
banks, and the inherent risk in that particular bank. The plan would allow some element of differentiation between banks in terms of investment risk and in the level of insurance offered.
2265: 2640: 1689:
On 10 January 2013, the Parliament of Mongolia adopted the Law on Insurance for Bank Deposits that establishes a mandatory insurance scheme for the protection of bank monetary deposits.
1576:(DICGC). Deposit insurance was hiked from ₹100,000 (one lakh rupees, approximately $ 1,325 as of March 2020) to ₹500,000 (5 lakh rupees, approximately $ 6,625 as of March 2020) in 2020. 2852: 2850:
Non official translation of the consolidated text of the Law 1/2011 of 2nd February for the creation of a deposit guarantee scheme for banks modified by Law 10/2013 on the INAF Download
3926: 1982: 892:
Previously (since 2002), the insured amount LTL 45,000 (EUR 13,032); in 2008 it was increased to 100% of deposits up to EUR 20,000. In 2009, the limit was increased to EUR 100,000.
2386: 2060: 356:
In Mexico, the Instituto para la Protección al Ahorro Bancario (IPAB) is the deposit insurance set up by the country for account holders in Mexico. It insures up to 400,000 UDIs (
2902: 345: 1619:, oversees this function for institutes other than agricultural and fishery co-operative. The insurance protects up to 10 million Yen per depositor per financial institution. 3786: 1572:(RBI). 1971 witnessed the establishment of another institution, the Credit Guarantee Corporation of India Ltd. (CGCI). In 1978, the DIC and the CGCI were merged to form the 1672:
PIDM is also mandated to provide incentives for sound risk management in the financial system, as well as promote and contribute to the stability of the financial system.
744: 4074: 3754: 4041: 3614: 1725:
Deposits in Singapore is covered by the Singapore Deposit Insurance Corporation up to a maximum of $ 100,000 per bank or finance company for each individual depositor.
725:
An unlimited state guarantee was announced in October 2008 (and extended in July 2009). The legal details are nevertheless unclear. "It is a political declaration" said
3417: 4052: 2455: 1900: 2423: 197:
to protect bank depositors, in full or in part, from losses caused by a bank's inability to pay its debts when due. Deposit insurance systems are one component of a
3896: 4063: 3159: 1596:
during the year 1998 to year 2005. The most significant change on deposit insurance program is the discarding of blanket guarantee, which deemed could initiate
348:, which can in an extreme case close a financial institution. That and Canada's tight mortgage rules mean bank failures similar to the US are much less likely. 2089: 453: 148: 3453: 2297: 2281: 3583: 1505:(ADIs), including banks, to ensure that their risks do not compromise the safety of depositors' funds. As part of the scheme, Australia was registered as a 681: 2140: 1438:
85,000 per account or up to £170,000 for joint accounts. The Scheme is funded through a levy paid by financial services companies which are members of the
1930: 2574: 2266:
The Danish Banker's Association, October 6, 2008: The Danish financial sector and the Danish government agree on 2-year guarantee scheme for Danish banks
2195: 1952: 1471:
suspended after operating less than a year, compelling the firm to request to be wound up. The Isle of Man government called an emergency session of the
2695: 3362: 3293: 2324: 4948: 1328:
for Sberbank. The law addresses only individuals' deposits. Maximum compensation is limited to 1,400,000 roubles (equivalent to approximately 21,800
2940: 2805: 738: 1669:
and accounts of sole proprietorships, partnerships or persons carrying on professional practices are separately insured up to the RM250,000 limit.
1443: 1216:
and covers deposits up to a maximum limit of EUR100,000 made by natural persons and legal entities, irrespective of their nationality or domicile.
4016: 3336: 1249: 213:
Banks are allowed (and usually encouraged) to lend or invest most of the money deposited with them instead of safe-keeping the full amounts (see
2621: 2602: 4963: 4228: 4085: 2637: 2849: 1568:
India introduced Deposit Insurance in 1962. The Deposit Insurance Corporation commenced functioning on 1 January 1962, under the aegis of the
4092: 3560: 3211: 369: 257: 3918: 2552: 2481: 1986: 4208: 3640: 2505: 2443:
step meant to boost confidence in the banking system, the government said, ruling out any parliamentary moves to back up the pledge in law
1382: 443:
also helps to increase its available funds for those who actually need the guarantee when it is activated for the protection of claimants.
274: 3723: 3092: 2166: 4958: 3952: 2921: 2390: 4334: 3811: 2899: 2727: 2365: 1779:
not fear for their deposits' safety and thus do not move their money to safer banks. The risks are shared by all banks, safe or risky.
1506: 839: 402: 135: 3893:"Insurance coverage on bank deposits to be raised to $ 75,000 from April 1, 2019, Banking News & Top Stories - The Straits Times" 1229: 3337:"Study of Financial System Guarantees – Chapter 2: Australia's experience with failure and international experience with guarantees" 405:
provides limited asset protection, but not insurance, for the cash and securities of the customers of failed investment brokerages.
2769: 1714: 1360:, the Central Bank executive in charge of DIA admission, was directly linked to his non-compromising attitude to money launderers. 1257: 386:) to institute national deposit insurance when it established the FDIC in the wake of the 1933 banking crisis that accompanied the 3395: 3006: 2222: 2189:"Insurance guarantee schemes in the EU: Comparative analysis of existing schemes, analysis of problems and evaluation of options" 958:
Before 7 October 2008 coverage was 100% of first EUR 20,000, 90% of next EUR 20,000 (hence a compensation of up to EUR 38,000).
4968: 4067: 4056: 4045: 3622: 3418:"Australian Government Deposit Guarantee Design & Operational Parameters, Department of the Treasury accessed 18 June 2010" 2788: 1612: 1431: 720:
The four banking associations run voluntary additional guarantee schemes, which go beyond the European minimum of EUR 100,000.
638:
For the two-year period from 5 October 2008 to 30 September 2010, an unlimited governmental guarantee for deposits was added.
4953: 3986: 3424: 3070: 2833: 2445: 1525: 1502: 750: 382:
and in the 1920s, there were various sub-national deposit insurance schemes. The United States was the second country (after
375: 314: 3504: 1892: 86:
the article contains multiple external links embedded in the body text. These need to be removed or converted to references.
4223: 3534: 398: 310: 2420: 722:
For instance for BdB member banks, "The protection ceiling for each creditor is 30% of the liable capital of the Bank..."
4169: 3698: 3050: 2963: 2346: 1923:"Development Projects : Strengthening the Capacity of Regional Financial Institutions in the CEMAC Region - P161368" 1734: 1256:) and covers a minimum of 20,887 euros. However, the fund was drastically insufficient to cover the bank failures of the 1124: 1156:
The deposit limit was changed to 950,000 SEK on 1 July 2016, which at the time was valued at approximately 100,000 EUR.
4364: 3241: 2678: 1317: 1297: 394: 332: 90: 38: 3669: 3129: 4293: 4103: 3155: 2008: 1467: 336: 327: 173: 108: 52: 229:
maintain deposit insurance schemes to protect depositors and to give them comfort that their funds are not at risk.
4359: 4099: 3028: 2745: 2239: 1697:
Deposits in Pakistan up to Rs. 500,000 is covered by the Deposit Protection Corporation (DPC), a subsidiary of the
1645:
Malaysia introduced its Deposit Insurance System in September 2005. Malaysia Deposit Insurance Corporation (MDIC) (
523: 3449: 2526: 2294: 2278: 1129:
Before that it was EUR 20,000. Since 2011 there is a unified fund for banks, savings banks and cooperative banks.
4938: 4329: 4319: 2114: 3112: 2883: 2136: 1285: 4943: 3322:(10 October 2008). Retrieved on 2008-10-12; Lewis, Paul (11 October 2008). "Offshore Icelandic Funds At Risk", 1922: 1494: 1455: 732: 2578: 2188: 2137:"Directive 94/19/EC of the European Parliament and of the Council of 30 May 1994 on deposit-guarantee schemes" 357: 3479: 2702: 5101: 4349: 4250: 3355: 3289: 2325:
The Danish Banker's Association, October 6, 2008: The Danish Parliament has adopted the financial guarantee
2308: 1151: 887: 225:
failures have the potential to trigger a broad spectrum of harmful events, including economic recessions,
4918: 4615: 4561: 4400: 4235: 2937: 2659: 1862: 1439: 688:
www.gouvernement.fr. This political commitment has so far held (rescue of the Franco-Belgian bank DEXIA)
5161: 4566: 4430: 4324: 4012: 3340: 2985: 214: 4645: 4534: 4344: 4245: 3187: 2618: 2599: 2038: 413: 81: 582: 5166: 5018: 4770: 4675: 4640: 4620: 4288: 4240: 1389: 4042:"General Guidance to Promote Effective Interrelationships among Financial Safety Net Participants" 3556: 3203: 2548: 5139: 4821: 4610: 4478: 4425: 4283: 4273: 4162: 236:
are for the most part government run or established, and may or may not be a part of a country's
140: 3636: 3267: 2502: 2477: 1348:. DIA membership is mandatory requirement for any bank operating with private investors' money. 913:
Previously, the insured amount was EUR 20,000. In 2009, the limit was increased to EUR 100,000.
4913: 4546: 4374: 4142: 3727: 3318:(9 October 2008). Retrieved on 2008-10-12; "Isle of Man Pledges Action on Kaupthing Collapse", 2162: 1698: 1593: 1349: 221:, where depositors seek to withdraw funds quickly ahead of a possible bank insolvency. Because 44: 3948: 2918: 2086: 1320:(DIA) in 2004. Until 2004, the Russian banking system was divided: obligations of state-owned 4928: 4814: 4743: 4598: 4483: 4445: 1569: 1325: 820:
depositors duly verified as eligible within 20 working days of a credit institution failing.
2362: 634:
Garantifonden for indskydere og investorer - The Guarantee Fund for Depositors and Investors
5037: 4980: 4603: 4583: 4410: 4298: 4218: 3492:
Outstanding liabilities were guaranteed until October 2015 when the Guarantee Scheme ended.
2163:"International Herald Tribune, October 7, 2008: Europe seeks unified policy on bank crisis" 1842: 1345: 1236:) and covers 100% of deposits, but only those belonging to individuals, not organizations. 1276:
is handled by the Liechtenstein Bankers Association and covers deposits up to CHF100,000.
8: 5096: 5091: 5086: 5071: 4933: 4893: 4655: 4625: 4493: 4354: 4278: 4268: 1585: 222: 4551: 2766: 1284:
Banks operating in Monaco participate in the French deposit guarantee scheme (i.e., the
5132: 5044: 4923: 4848: 4665: 4630: 4541: 4498: 4468: 4440: 4435: 4405: 4379: 4203: 4155: 3387: 3004: 2868: 2087:"The Structural Foundations of International Finance: Problems of Growth and Stability" 379: 2219: 559:
100% of the first HRK 30,000 and 75% between 30,000 and 50,000 effective 20 June 1997.
416:(DIF) insures deposits in excess of the FDIC limits at state-chartered savings banks. 4993: 4863: 4755: 4719: 4709: 4670: 4660: 4588: 4508: 3805: 3750: 3748:
Enerelt Enkhbold, 2011. "Market Discipline and Mongolian Depositors". Research Gate.
2721: 1754: 715:
Brokerage companies: Entschädigungseinrichtung der Wertpapierhandelsunternehmen (EdW)
76: 2959:
Federal law on insurance of housenhold deposits in banks of the Russian Federation,
2806:"Swedish National Debt Office: Stronger protection for depositors as of 1 July 2016" 2785: 1584:
Deposits in Indonesia is covered by Indonesia Deposit Insurance Corporation (IDIC) (
5106: 5061: 5006: 4998: 4988: 4765: 4689: 4529: 4503: 4488: 4395: 4213: 4195: 1837: 1738: 1653:) is a statutory body formed under the Malaysia Deposit Insurance Corporation Act ( 1353: 1324:
were guaranteed by law, while other banks were not insured in any way, creating an
1316:
Russia enacted deposit insurance law in December 2003 and established the national
1073: 387: 3975: 3066: 2830: 1372:
is handled by the Central Bank of San Marino and covers deposits up to EUR50,000.
5118: 5081: 5057: 4858: 4853: 4833: 4792: 4787: 4734: 4729: 4593: 4573: 4450: 4415: 3508: 3476:"Australian Government Guarantee Scheme for Large Deposits and Wholesale Funding" 3191: 3116: 3054: 3032: 3010: 2989: 2967: 2944: 2925: 2906: 2887: 2856: 2837: 2792: 2773: 2682: 2663: 2644: 2625: 2606: 2509: 2427: 2369: 2350: 2331: 2312: 2301: 2272: 2226: 2093: 1710: 1658: 1261: 1102: 1078: 319: 3530: 969: 5024: 4873: 4556: 4420: 4314: 4260: 3850: 2450: 2295:
http://www.danskebank.com/en-uk/ir/the-group/Pages/TheDanishStateGuarantee.aspx
1646: 1514:
Australian Government Guarantee Scheme for Large Deposits and Wholesale Funding
1463: 1435: 591: 439: 383: 3691: 3047: 2960: 2343: 1352:
used the admission of banks into the DIA system to weed out unsound banks and
5155: 4827: 4748: 4696: 4635: 4473: 4339: 1666: 1662: 1357: 1273: 1139: 726: 409: 3233: 2675: 322:
100,000 in very specific categories of accounts. Credit unions and Quebec's
5076: 4888: 4883: 4843: 4804: 3662: 3133: 1826: 1818: 1804: 1775: 1597: 1197: 1083: 621: 237: 233: 226: 4117: 4110: 3919:"Explainer: How the enhanced deposit insurance scheme protects your money" 2012: 1717:(PDIC). It was raised from the previous insurance coverage of PHP250,000. 5111: 5066: 4739: 4524: 3450:"Types of accounts covered under the Financial Claims Scheme | APRA" 2619:
General Information about the Depositor and Investor Compensation Schemes
1623: 1341: 1305: 941: 4093:"Volume II: Guidance for Developing Effective Deposit Insurance Systems" 3025: 2741: 2243: 633: 5010: 5002: 4878: 4799: 4760: 4704: 4111:
Insurance of Bank Obligations in Six States during the Period 1829-1866
4078: 3949:"Deposit Insurance Law Thailand Thai Bank Insurance Deposit Protection" 3867: 2522: 1369: 1094: 897: 202: 16:
Measure protecting bank depositors from losses caused by a bank default
3475: 3109: 2106: 1701:(SBP) established under the Deposit Protection Corporation Act, 2016. 5052: 4868: 4838: 4809: 4178: 2880: 2384:(official speech, closure of the Council of Ministers on 13/10/2010) 2035:"Instituto para la Protección al Ahorro Bancario | Gobierno | gob.mx" 1466:
in Iceland after the United Kingdom suspended the trading licence of
1329: 874: 194: 2478:"Payments and Securities Settlements | Central Bank of Ireland" 1560:
up to HK$ 500,000 (or equivalent in RMB or other foreign currency).
709:
Private Banks: Entschädigungseinrichtung deutscher Banken GmbH (EdB)
4776: 3825: 1832: 1628:
Agricultural and Fishery Co-operative Savings Insurance Corporation
1321: 1087: 1059: 1037: 989: 609:
100 % coverage and amount raised to EUR 50,000 effective 2008.
509: 218: 2009:"CDIC Members, showing foreign entities such as HSBC, ING and UBS" 378:(FDIC) is the deposit insurer for the United States. Prior to the 4714: 4650: 3093:"REGOLAMENTO IN MATERIA DI FONDO DI GARANZIA PER LA TRAMITAZIONE" 2439:
Germany's guarantee of bank deposits held by private savers is a
1472: 1245: 1225: 1209: 1189: 1016: 803: 781: 693: 643: 616: 536: 488: 241: 198: 3976:"Financial turbulence: some lessons regarding deposit insurance" 3003:
Banking and Deposit Insurance in Russia. World Bank, 2006, p.14
2382:
L'Etat "ne laissera aucun établissement bancaire faire faillite"
2305: 1388:
It had covered depositors in 1993 in the case of the failure of
126: 4369: 3584:"A Regional Comparison of China's New Deposit Insurance System" 1402: 1134: 1008:
Amount raised from EUR 25,000 to EUR 100,000 in November 2008.
963: 854: 760: 667: 568: 430: 346:
Office of the Superintendent of Financial Institutions (Canada)
245: 4075:"Deposit Insurance Around the World: A Comprehensive Database" 4064:"General Guidance for Developing Differential Premium Systems" 3507:. Reserve Bank of New Zealand. 11 October 2008. Archived from 2656: 1870: 1774:
Detractors of deposit insurance claim the schemes introduce a
794: 5029: 4118:
Deposit Insurance in Eight States During the Period 1908-1930
4086:"Guidance for Developing Effective Deposit Insurance Systems" 3046:
Results of DIA Activities in 2007 and DIS Development Issues
2503:
Fondo Interbancario di Tutela dei Depositi: Deposit Guarantee
1616: 1110: 918: 825: 370:
Bank regulation in the United States § Deposit insurance
4147: 4073:
Asli Demirguc-Kunt, Baybars Karacaovali, Luc Laeven (2005),
3692:"A Guide to the Deposit Insurance System (As of April 2005)" 3615:"China Releases Draft Plan for Bank Deposit Insurance - WSJ" 2982: 745:
Bundesverband der Deutschen Volksbanken und Raiffeisenbanken
554: 4724: 2411:
By-law of the deposit protection fund of the BdB, June 2010
1573: 1406: 1333: 1098: 426: 3184: 3119:"Deposit Protection of Swiss Banks and Securities Dealers" 2786:
Fondos de Garantía de Depósitos: Money Deposits Guaranteed
2523:"Latvia Raises Deposit Insurance Threshold To EUR 100 000" 2034: 1028: 501:
Fonds de Protection / Beschermings Fonds / Protection Fund
3388:"Questions & Answers about the Guarantee on Deposits" 3314:"Tynwald Approves Raising of £50,000 Savings Guarantee", 1676: 1675:
For more information about MDIC, visit MDIC's website at
845:
Fondo di Garanzia dei Depositanti del Credito Cooperativo
662:
Amount increased to EUR 50,000 effective 8 October 2008.
1446:
relative to the number of protected deposits they hold.
849:
Amount decreased from EUR 103,291.38 (ITL 200,000,000).
3637:"DICGC - For Depositors - A Guide to Deposit Insurance" 1413:) and covers a maximum of ₺100,000 (approx. $ 15,000) 4137: 4053:"General Guidance for the Resolution of Bank Failures" 2676:
Fundo de Garantia de Depósitos: Deposit Guarantee Fund
2220:
Protection Fund for Deposits and Financial Instruments
555:
State Agency for Deposit Insurance and Bank Resolution
551:
Državna agencija za osiguranje uloga i sanaciju banaka
4010: 3353: 3264:"Home - Guernsey Banking Deposit Compensation Scheme" 1192:
is handled by the Albanian Deposit Insurance Agency (
4138:
International Association of Deposit Insurers (IADI)
3263: 1794: 1430:
Deposits in the United Kingdom are protected by the
1003: 563:
Amount raised to 400,000 effective 15 October 2008.
550: 3774: 3772: 1493:On 12 October 2008, as part of the response to the 561:
Amount raised to HRK 100,000 effective 1 July 1998.
4143:The Moral Hazard Implications of Deposit Insurance 2061:"Estructura de información (SIE, Banco de México)" 1574:Deposit Insurance and Credit Guarantee Corporation 1234:Агенцтва гарантаванага пакрыцця банкаўскіх укладаў 984:Amount raised from EUR 50,000 on 30 December 2010 888:Valstybės įmonė "Indėlių ir investicijų draudimas" 5153: 3973: 3769: 2657:Bankowy Fundusz Gwarancyjny: Bank Guarantee Fund 1783:hazard but also reduces the risk of a bank run. 712:Public Banks: VÖB-Entschädigungseinrichtung GmbH 3724:"Coverage-Perbadanan Insurans Deposit Malaysia" 3533:. Reserve Bank of New Zealand. 25 August 2009. 2831:http://www.dia.org.al/dia/web/eng/default.shtml 1893:"Central Africa has a guarantee fund for banks" 1622:For the agricultural and fishery co-operative ( 1288:(FGD)) on the same conditions as French banks. 4109:Carter H. Golembe and Clark Warburton (1958), 1983:"FAQs about changes to CDIC deposit insurance" 1296:Deposit insurance in Norway is handled by the 910:Fonds de garantie des dépôts Luxembourg (FGDL) 739:Bundesverband Öffentlicher Banken Deutschlands 4163: 4081:Policy Research Working Paper 3628, June 2005 3097:Banca Centrale della Repubblica di San Marino 1867:International Association of Deposit Insurers 682:Fonds de Garantie des Dépôts et de Résolution 660:100% insured up to EUR 25,000 effective 1998. 258:International Association of Deposit Insurers 3851:"Deposit Protection Corporation Act of 2016" 3751:"Market Discipline and Mongolian Depositors" 1383:Swiss Financial Market Supervisory Authority 275:Economic Community of Central African States 4095:, Financial Stability Forum, September 2001 4091:Working Group on Deposit Insurance (2001), 4088:, Financial Stability Forum, September 2001 4084:Working Group on Deposit Insurance (2001), 2767:Deposit Guarantee Scheme – Bank of Slovenia 1651:Perbadanan Insurans Deposit Malaysia (PIDM) 53:Learn how and when to remove these messages 4170: 4156: 3361:(Report). Securities Exchange Commission. 3238:Financial Services Compensation Scheme Ltd 3208:Financial Services Compensation Scheme Ltd 1344:, managed jointly by Central Bank and the 840:Fondo Interbancario di Tutela dei Depositi 776:Was 20,000 EUR, increased in October 2008 403:Securities Investor Protection Corporation 248:), Germany, Italy, and the United States. 2881:Depositors’ and Investors’ Guarantee Fund 2240:"Deposit Insurance Fund – Czech Republic" 1655:Akta Perbadanan Insurans Deposit Malaysia 1449: 1250:Depositors' and Investors' Guarantee Fund 1196:) and covers deposits up to a maximum of 174:Learn how and when to remove this message 109:Learn how and when to remove this message 4062:Research and Guidance Committee (2005), 4051:Research and Guidance Committee (2005), 4040:Research and Guidance Committee (2006), 1715:Philippine Deposit Insurance Corporation 151:of all important aspects of the article. 4120:, Federal Deposit Insurance Corporation 4113:, Federal Deposit Insurance Corporation 2096:, Edward Elgar Publishing, 2003, p. 117 1829:, from the finance system point of view 5154: 4125:Deposit Protection and Bank Resolution 3810:: CS1 maint: archived copy as title ( 3757:from the original on 24 September 2015 3354:Australian Government (29 June 2009). 2812:from the original on 23 September 2016 2726:: CS1 maint: archived copy as title ( 1613:Deposit Insurance Corporation of Japan 1600:, and becoming the limited guarantee. 1503:authorised deposit-taking institutions 1432:Financial Services Compensation Scheme 1340:The agency is set up as a state-owned 1304:) and covers deposits up to 2 million 1171:that limit, depending on EUR-DKK rate. 795:National Deposit Insurance Fund (NDIF) 611:Credit unions are covered since 2006. 531:of paying out of guaranteed deposits. 147:Please consider expanding the lead to 4151: 3704:from the original on 16 February 2022 3672:from the original on 16 November 2021 3588:Federal Reserve Bank of San Francisco 3505:"Deposit guarantee scheme introduced" 3482:from the original on 26 February 2019 3073:from the original on 11 February 2021 1963:from the original on 1 September 2021 1526:Crown Retail Deposit Guarantee Scheme 1214:Institut Nacional Andorrà de Finances 968:EUR 100,000 (corresponding amount in 751:Deutscher Sparkassen- und Giroverband 376:Federal Deposit Insurance Corporation 315:Federal Deposit Insurance Corporation 313:(CDIC) in 1967. It is similar to the 4100:"The Great Deposit Insurance Debate" 3992:from the original on 4 December 2008 3955:from the original on 14 January 2020 3929:from the original on 19 October 2019 3663:"Lembaga Penjamin Simpanan - F.A.Q." 3563:from the original on 10 January 2022 3398:from the original on 10 January 2012 3368:from the original on 1 November 2020 3270:from the original on 24 January 2022 3244:from the original on 26 January 2021 3214:from the original on 29 January 2021 2748:from the original on 18 January 2012 2742:"Deposit Protection Fund – Slovakia" 2555:from the original on 10 January 2016 2387:"Page non trouvée | Gouvernement.fr" 2284:from the original on 10 October 2010 2067:from the original on 19 January 2022 1733:South Korea covers bank deposits by 1258:2008–2012 Icelandic financial crisis 836:24 March 2011 (effective 7 May 2011) 399:National Credit Union Administration 311:Canada Deposit Insurance Corporation 120: 59: 18: 4011:Jeffery Rogers Hummel (July 1989). 3612: 3594:from the original on 7 January 2022 3531:"Deposit guarantee scheme extended" 3110:http://www.einlagensicherung.ch/en/ 3067:"Arrest over Russian banker murder" 3024:The DIA Has Summed Up 2014 Results 2938:The Norwegian Banks' Guarantee Fund 2169:from the original on 7 October 2008 2143:from the original on 4 January 2011 2117:from the original on 25 August 2021 1933:from the original on 25 August 2021 1845:, a model relating to runs on banks 1735:Korea Deposit Insurance Corporation 1434:, which will cover losses of up to 504:Previously EUR 20,000 before 2009. 429:per person. On 7 October 2008, the 205:that promotes financial stability. 13: 4209:Accidental death and dismemberment 4034: 4019:from the original on 10 March 2012 3613:Wei, Lingling (30 November 2014). 3347: 2484:from the original on 29 March 2017 2363:Fonds des garantie des depôts: FAQ 2201:from the original on 24 April 2013 1709:Deposits in the Philippines up to 1194:Agjencia e Sigurimit të Depozitave 816:The Deposit Guarantee Scheme (DGS) 528:EUR 51,129 effective 15 April 1998 395:credit unions in the United States 333:Registered Retirement Savings Plan 328:guaranteed investment certificates 14: 5178: 4131: 4104:Federal Reserve Bank of St. Louis 3895:. 19 October 2019. Archived from 3643:from the original on 31 July 2021 3581: 3456:from the original on 4 March 2022 3296:from the original on 6 April 2012 2529:from the original on 13 June 2021 2107:"DIF - Depositors Insurance Fund" 1903:from the original on 31 July 2021 1425: 1178: 981:Bankowy Fundusz Gwarancyjny (BFG) 419: 337:registered retirement income fund 268: 193:is a measure implemented in many 34:This article has multiple issues. 4335:Directors and officers liability 3826:"Deposit Protection Corporation" 3204:"Banks & building societies" 2458:from the original on 6 July 2014 2446:"Bloomberg Politics - Bloomberg" 2041:from the original on 8 July 2018 1811: 1797: 1737:(KDIC) to maximum of 50 million 1267: 1093:The Bank of Slovenia joined the 607:90% of EUR 25,000 effective 2002 524:Bulgarian Deposit Insurance Fund 363: 251: 125: 64: 23: 4004: 3967: 3941: 3911: 3885: 3860: 3843: 3818: 3742: 3716: 3684: 3655: 3629: 3606: 3575: 3549: 3537:from the original on 7 May 2012 3523: 3497: 3468: 3442: 3410: 3380: 3329: 3308: 3282: 3256: 3226: 3196: 3174: 3162:from the original on 9 May 2010 3156:"Tasks and Duties (in English)" 3148: 3122: 3103: 3085: 3059: 3037: 3015: 2994: 2972: 2950: 2931: 2912: 2893: 2874: 2871:, accessed on September 1, 2010 2862: 2843: 2840:, accessed on September 9, 2014 2824: 2798: 2779: 2760: 2734: 2688: 2669: 2650: 2631: 2612: 2593: 2567: 2541: 2515: 2496: 2470: 2433: 2414: 2405: 2375: 2356: 2337: 2317: 2258: 2232: 2213: 2181: 2155: 2129: 2099: 1615:, founded in 1971 and based in 1590:Lembaga Penjamin Simpanan (LPS) 1444:Prudential Regulation Authority 1298:Norwegian Banks' Guarantee Fund 1200:2,500,000 (around US$ 23,000). 1164: 1054:Credit unions are not covered. 281: 139:may be too short to adequately 42:or discuss these issues on the 3974:Sebastian Schich (July 2008). 2928:, accessed on October 12, 2014 2909:, accessed on October 12, 2014 2890:, accessed on February 4, 2009 2859:, accessed on October 12, 2014 2079: 2053: 2027: 2001: 1975: 1945: 1915: 1885: 1855: 1728: 1704: 1519: 1468:Kaupthing's British subsidiary 1411:Tasarruf Mevduatı Sigorta Fonu 1407:Savings Deposit Insurance Fund 1375: 1230:Agency of Deposit Compensation 1125:Fondo de Garantía de Depósitos 1004:Fundo de Garantia de Depósitos 733:Bundesverband deutscher Banken 483:Comments and previous amounts 149:provide an accessible overview 1: 4177: 4013:"Privatize Deposit Insurance" 2947:, accessed on October 9, 2008 2600:Depositor Compensation Scheme 2306:http://www.oem.dk/sw22890.asp 1849: 1769: 1753:Deposits in the Taiwan up to 1536: 1363: 932:Depositor Compensation Scheme 741:VÖB (for public sector banks) 657:Financial Stability Authority 446: 5102:Savings and loan association 4123:Nikoletta Kleftouri (2015), 2647:, accessed November 15, 2014 2279:"Page could not be found..." 1953:"CoDI Newsletter April 2021" 1720: 1579: 1554: 1484: 1286:Fonds de Garantie des Depôts 1152:Swedish National Debt Office 747:BVR (for co-operative banks) 7: 4535:Insurance-linked securities 2685:, accessed November 3, 2008 2512:, accessed November 8, 2011 1863:"Deposit Insurance Systems" 1790: 1760: 1692: 1681: 1640: 1440:Financial Conduct Authority 290: 208: 84:. The specific problem is: 10: 5183: 4224:Total permanent disability 4106:, Review, July/August 1992 3326:. Retrieved on 2008-10-12. 2981:Deposit insurance agency, 2430:, accessed October 8, 2008 2421:BBC Business Editor's blog 2353:, accessed October 8, 2008 1713:500,000 is covered by the 1524:New Zealand announced the 1495:2007–2008 financial crisis 1479: 1456:2007–2008 financial crisis 1416: 1239: 1219: 1203: 1183: 367: 215:fractional-reserve banking 5127: 4979: 4964:Health insurance coverage 4904: 4688: 4517: 4459: 4388: 4307: 4259: 4229:Business overhead expense 4194: 4185: 2666:, accessed April 10, 2011 2628:, accessed April 14, 2015 2609:, accessed April 14, 2015 2011:. cdic.ca. Archived from 1985:. cdic.ca. Archived from 1748: 1396: 1311: 1291: 1279: 936:the banks and customers. 583:Deposit Protection Scheme 414:Depositors Insurance Fund 351: 304: 295: 263: 4365:Protection and indemnity 4116:Clark Warburton (1959), 3868:"State Bank of Pakistan" 3183:Deposit guarantee fund, 2638:Deposit guarantee scheme 2229:, accessed June 15, 2011 2194:. Oxera. November 2007. 1607: 1563: 1545: 1390:Spar- und Leihkasse Thun 1318:deposit insurance agency 340:mutual funds or stocks. 4822:Explanation of benefits 4294:Variable universal life 3983:Financial Market Trends 2795:, accessed May 23, 2010 2776:, accessed June 9, 2010 2372:, accessed Jan 01, 2011 2271:April 22, 2009, at the 2085:Padoan, Brenton, Boyd: 1531: 1499:Financial Claims Scheme 1497:, Australia set up the 1051:Deposit Protection Fund 955:Depositogarantiestelsel 735:BdB (for private banks) 4959:Health insurance costs 4360:Professional liability 4098:Mark D. Flood (1992), 3392:guaranteescheme.gov.au 3290:"Government of Jersey" 2344:Deposit Guarantee Fund 2330:June 20, 2009, at the 1897:businessincameroon.com 1699:State Bank of Pakistan 1677:http://www.pidm.gov.my 1594:Asian Financial Crisis 1507:private US corporation 1450:British Isles offshore 1350:Central Bank of Russia 1077: 604:Deposit Insurance Fund 4815:Out-of-pocket expense 4676:Workers' compensation 4330:Collateral protection 4320:Business interruption 1570:Reserve Bank of India 1401:Deposit insurance in 1368:Deposit insurance in 1302:Bankenes sikringsfond 1272:Deposit insurance in 1244:Deposit insurance in 1224:Deposit insurance in 1208:Deposit insurance in 1188:Deposit insurance in 368:Further information: 5038:Corpus Juris Civilis 3951:. Thailawforum.com. 1989:on 29 September 2020 1843:Diamond-Dybvig model 1346:government of Russia 1088:Republic of Slovenia 753:DSGV (Savings banks) 91:improve this article 80:to meet Knowledge's 5097:Rochdale Principles 5092:Mutual savings bank 5087:Mutual organization 5072:Cooperative banking 4989:Mesopotamian banker 4269:Longevity insurance 3625:on 10 January 2016. 3619:Wall Street Journal 3234:"How we are funded" 3136:on 21 February 2009 3069:. 15 January 2007. 2393:on 15 December 2009 1454:In response to the 397:are insured by the 358:Unidad de Inversión 309:Canada created the 287:published in 2017. 223:banking institution 4849:Insurable interest 4350:Payment protection 4251:Payment protection 3899:on 19 October 2019 3792:on 4 February 2015 3730:on 27 January 2012 3511:on 14 October 2008 3430:on 13 October 2009 3190:2016-09-18 at the 3115:2009-06-15 at the 3053:2009-03-03 at the 3031:2016-03-05 at the 3009:2009-03-20 at the 2988:2020-12-06 at the 2966:2008-10-06 at the 2943:2018-01-28 at the 2924:2014-10-17 at the 2905:2015-06-21 at the 2886:2009-03-06 at the 2855:2014-10-19 at the 2836:2014-09-09 at the 2791:2008-10-22 at the 2772:2010-04-14 at the 2708:on 6 November 2013 2681:2009-06-23 at the 2662:2011-09-05 at the 2643:2014-11-29 at the 2624:2015-04-08 at the 2605:2015-04-08 at the 2508:2008-12-23 at the 2480:. Centralbank.ie. 2426:2020-12-16 at the 2368:2008-12-19 at the 2349:2008-10-09 at the 2311:2016-03-03 at the 2300:2010-10-10 at the 2225:2011-07-28 at the 2092:2019-12-25 at the 1873:on 5 November 2014 1228:is handled by the 1212:is handled by the 1097:in 2007, when the 232:Deposit insurance 191:deposit protection 5162:Deposit insurance 5149: 5148: 4994:Code of Hammurabi 4969:Vehicle insurance 4864:Replacement value 4756:Actual cash value 4720:Adverse selection 4710:Actuarial science 4684: 4683: 4616:Kidnap and ransom 4589:Extended warranty 4236:Income protection 3320:Isle of Man Today 3316:Isle of Man Today 3185:DGF official site 3048:DIA official site 3026:DIA official site 2983:DIA official site 2015:on 5 October 2008 1957:www.resbank.co.za 1160: 1159: 630:30 September 2010 256:According to the 187:Deposit insurance 184: 183: 176: 166: 165: 119: 118: 111: 82:quality standards 73:This article may 57: 5174: 5107:Social insurance 5062:Friendly society 4954:Health insurance 4782:Short rate table 4530:Catastrophe bond 4431:Lenders mortgage 4192: 4191: 4172: 4165: 4158: 4149: 4148: 4029: 4028: 4026: 4024: 4008: 4002: 4001: 3999: 3997: 3991: 3980: 3971: 3965: 3964: 3962: 3960: 3945: 3939: 3938: 3936: 3934: 3915: 3909: 3908: 3906: 3904: 3889: 3883: 3882: 3880: 3878: 3864: 3858: 3857: 3855: 3847: 3841: 3840: 3838: 3836: 3822: 3816: 3815: 3809: 3801: 3799: 3797: 3791: 3785:. Archived from 3784: 3776: 3767: 3766: 3764: 3762: 3746: 3740: 3739: 3737: 3735: 3726:. Archived from 3720: 3714: 3713: 3711: 3709: 3703: 3696: 3688: 3682: 3681: 3679: 3677: 3659: 3653: 3652: 3650: 3648: 3633: 3627: 3626: 3621:. Archived from 3610: 3604: 3603: 3601: 3599: 3579: 3573: 3572: 3570: 3568: 3553: 3547: 3546: 3544: 3542: 3527: 3521: 3520: 3518: 3516: 3501: 3495: 3494: 3489: 3487: 3472: 3466: 3465: 3463: 3461: 3446: 3440: 3439: 3437: 3435: 3429: 3423:. Archived from 3422: 3414: 3408: 3407: 3405: 3403: 3384: 3378: 3377: 3375: 3373: 3367: 3360: 3351: 3345: 3344: 3343:on 16 July 2004. 3339:. Archived from 3333: 3327: 3312: 3306: 3305: 3303: 3301: 3286: 3280: 3279: 3277: 3275: 3260: 3254: 3253: 3251: 3249: 3230: 3224: 3223: 3221: 3219: 3200: 3194: 3182: 3178: 3172: 3171: 3169: 3167: 3152: 3146: 3145: 3143: 3141: 3132:. Archived from 3126: 3120: 3107: 3101: 3100: 3089: 3083: 3082: 3080: 3078: 3063: 3057: 3045: 3041: 3035: 3023: 3019: 3013: 3002: 2998: 2992: 2980: 2976: 2970: 2958: 2954: 2948: 2935: 2929: 2916: 2910: 2897: 2891: 2878: 2872: 2866: 2860: 2847: 2841: 2828: 2822: 2821: 2819: 2817: 2802: 2796: 2783: 2777: 2764: 2758: 2757: 2755: 2753: 2738: 2732: 2731: 2725: 2717: 2715: 2713: 2707: 2701:. Archived from 2700: 2692: 2686: 2673: 2667: 2654: 2648: 2635: 2629: 2616: 2610: 2597: 2591: 2590: 2588: 2586: 2577:. Archived from 2571: 2565: 2564: 2562: 2560: 2545: 2539: 2538: 2536: 2534: 2519: 2513: 2500: 2494: 2493: 2491: 2489: 2474: 2468: 2467: 2465: 2463: 2437: 2431: 2418: 2412: 2409: 2403: 2402: 2400: 2398: 2389:. Archived from 2379: 2373: 2360: 2354: 2341: 2335: 2321: 2315: 2293: 2291: 2289: 2262: 2256: 2255: 2253: 2251: 2242:. Archived from 2236: 2230: 2217: 2211: 2210: 2208: 2206: 2200: 2193: 2185: 2179: 2178: 2176: 2174: 2159: 2153: 2152: 2150: 2148: 2133: 2127: 2126: 2124: 2122: 2103: 2097: 2083: 2077: 2076: 2074: 2072: 2057: 2051: 2050: 2048: 2046: 2031: 2025: 2024: 2022: 2020: 2005: 1999: 1998: 1996: 1994: 1979: 1973: 1972: 1970: 1968: 1949: 1943: 1942: 1940: 1938: 1919: 1913: 1912: 1910: 1908: 1889: 1883: 1882: 1880: 1878: 1869:. Archived from 1859: 1838:Financial crisis 1821: 1816: 1815: 1814: 1807: 1802: 1801: 1800: 1659:Islamic accounts 1636: 1356:. The murder of 1354:money launderers 1326:unfair advantage 1254:Tryggingarsjóður 1172: 1168: 1148:31 December 2010 978:30 December 2010 929:21 November 2003 520:31 December 2010 457: 456: 388:Great Depression 324:caisse populaire 179: 172: 161: 158: 152: 129: 121: 114: 107: 103: 100: 94: 68: 67: 60: 49: 27: 26: 19: 5182: 5181: 5177: 5176: 5175: 5173: 5172: 5171: 5167:Bank regulation 5152: 5151: 5150: 5145: 5123: 5119:Insurance cycle 5082:Fraternal order 4975: 4906: 4900: 4859:Proximate cause 4854:Insurance fraud 4834:General average 4793:Claims adjuster 4735:Risk management 4730:Risk assessment 4694: 4691: 4680: 4646:Prize indemnity 4513: 4461: 4455: 4384: 4345:Over-redemption 4303: 4255: 4246:National health 4187: 4181: 4176: 4134: 4070:, February 2005 4059:, December 2005 4037: 4035:Further reading 4032: 4022: 4020: 4015:. The Freeman. 4009: 4005: 3995: 3993: 3989: 3978: 3972: 3968: 3958: 3956: 3947: 3946: 3942: 3932: 3930: 3917: 3916: 3912: 3902: 3900: 3891: 3890: 3886: 3876: 3874: 3866: 3865: 3861: 3853: 3849: 3848: 3844: 3834: 3832: 3824: 3823: 3819: 3803: 3802: 3795: 3793: 3789: 3782: 3780:"Archived copy" 3778: 3777: 3770: 3760: 3758: 3749: 3747: 3743: 3733: 3731: 3722: 3721: 3717: 3707: 3705: 3701: 3694: 3690: 3689: 3685: 3675: 3673: 3661: 3660: 3656: 3646: 3644: 3635: 3634: 3630: 3611: 3607: 3597: 3595: 3580: 3576: 3566: 3564: 3555: 3554: 3550: 3540: 3538: 3529: 3528: 3524: 3514: 3512: 3503: 3502: 3498: 3485: 3483: 3474: 3473: 3469: 3459: 3457: 3448: 3447: 3443: 3433: 3431: 3427: 3420: 3416: 3415: 3411: 3401: 3399: 3386: 3385: 3381: 3371: 3369: 3365: 3358: 3352: 3348: 3335: 3334: 3330: 3313: 3309: 3299: 3297: 3288: 3287: 3283: 3273: 3271: 3262: 3261: 3257: 3247: 3245: 3232: 3231: 3227: 3217: 3215: 3202: 3201: 3197: 3192:Wayback Machine 3180: 3179: 3175: 3165: 3163: 3154: 3153: 3149: 3139: 3137: 3128: 3127: 3123: 3117:Wayback Machine 3108: 3104: 3091: 3090: 3086: 3076: 3074: 3065: 3064: 3060: 3055:Wayback Machine 3043: 3042: 3038: 3033:Wayback Machine 3021: 3020: 3016: 3011:Wayback Machine 3000: 2999: 2995: 2990:Wayback Machine 2978: 2977: 2973: 2968:Wayback Machine 2956: 2955: 2951: 2945:Wayback Machine 2936: 2932: 2926:Wayback Machine 2919:FGD Bank Search 2917: 2913: 2907:Wayback Machine 2898: 2894: 2888:Wayback Machine 2879: 2875: 2867: 2863: 2857:Wayback Machine 2848: 2844: 2838:Wayback Machine 2829: 2825: 2815: 2813: 2804: 2803: 2799: 2793:Wayback Machine 2784: 2780: 2774:Wayback Machine 2765: 2761: 2751: 2749: 2740: 2739: 2735: 2719: 2718: 2711: 2709: 2705: 2698: 2696:"Archived copy" 2694: 2693: 2689: 2683:Wayback Machine 2674: 2670: 2664:Wayback Machine 2655: 2651: 2645:Wayback Machine 2636: 2632: 2626:Wayback Machine 2617: 2613: 2607:Wayback Machine 2598: 2594: 2584: 2582: 2573: 2572: 2568: 2558: 2556: 2547: 2546: 2542: 2532: 2530: 2521: 2520: 2516: 2510:Wayback Machine 2501: 2497: 2487: 2485: 2476: 2475: 2471: 2461: 2459: 2444: 2438: 2434: 2428:Wayback Machine 2419: 2415: 2410: 2406: 2396: 2394: 2385: 2380: 2376: 2370:Wayback Machine 2361: 2357: 2351:Wayback Machine 2342: 2338: 2332:Wayback Machine 2322: 2318: 2313:Wayback Machine 2304: 2302:Wayback Machine 2287: 2285: 2277: 2276: 2273:Wayback Machine 2263: 2259: 2249: 2247: 2246:on 9 April 2010 2238: 2237: 2233: 2227:Wayback Machine 2218: 2214: 2204: 2202: 2198: 2191: 2187: 2186: 2182: 2172: 2170: 2161: 2160: 2156: 2146: 2144: 2139:. 30 May 1994. 2135: 2134: 2130: 2120: 2118: 2105: 2104: 2100: 2094:Wayback Machine 2084: 2080: 2070: 2068: 2059: 2058: 2054: 2044: 2042: 2033: 2032: 2028: 2018: 2016: 2007: 2006: 2002: 1992: 1990: 1981: 1980: 1976: 1966: 1964: 1951: 1950: 1946: 1936: 1934: 1921: 1920: 1916: 1906: 1904: 1891: 1890: 1886: 1876: 1874: 1861: 1860: 1856: 1852: 1817: 1812: 1810: 1803: 1798: 1796: 1793: 1772: 1763: 1751: 1731: 1723: 1707: 1695: 1684: 1643: 1637:oversees this. 1630: 1610: 1582: 1566: 1557: 1548: 1539: 1534: 1522: 1516:ended in 2015. 1487: 1482: 1452: 1428: 1419: 1399: 1378: 1366: 1314: 1294: 1282: 1270: 1260:, particularly 1242: 1222: 1206: 1186: 1181: 1176: 1175: 1169: 1165: 1121:11 October 2008 1092: 1079:Banka Slovenije 1048:1 November 2008 1009: 843: 724: 723: 721: 661: 610: 608: 562: 560: 529: 479: 477: 472: 464: 449: 440:financial risks 422: 372: 366: 354: 307: 298: 293: 284: 271: 266: 254: 211: 180: 169: 168: 167: 162: 156: 153: 146: 134:This article's 130: 115: 104: 98: 95: 88: 69: 65: 28: 24: 17: 12: 11: 5: 5180: 5170: 5169: 5164: 5147: 5146: 5144: 5143: 5140:List of topics 5136: 5128: 5125: 5124: 5122: 5121: 5116: 5115: 5114: 5109: 5104: 5099: 5094: 5089: 5084: 5079: 5074: 5069: 5055: 5050: 5049: 5048: 5034: 5033: 5032: 5027: 5025:Burial society 5015: 5014: 5013: 5007:§235–238; §240 4999:§100–105; §126 4991: 4985: 4983: 4977: 4976: 4974: 4973: 4972: 4971: 4966: 4961: 4956: 4951: 4949:Climate change 4941: 4939:United Kingdom 4936: 4931: 4926: 4921: 4916: 4910: 4908: 4902: 4901: 4899: 4898: 4897: 4896: 4886: 4884:Underinsurance 4881: 4876: 4874:Self-insurance 4871: 4866: 4861: 4856: 4851: 4846: 4841: 4836: 4831: 4824: 4819: 4818: 4817: 4812: 4807: 4797: 4796: 4795: 4785: 4784: 4783: 4780: 4768: 4763: 4758: 4753: 4752: 4751: 4746: 4737: 4732: 4727: 4722: 4717: 4707: 4701: 4699: 4686: 4685: 4682: 4681: 4679: 4678: 4673: 4668: 4663: 4658: 4653: 4648: 4643: 4641:Political risk 4638: 4633: 4628: 4623: 4621:Legal expenses 4618: 4613: 4608: 4607: 4606: 4596: 4591: 4586: 4581: 4576: 4571: 4570: 4569: 4564: 4554: 4549: 4544: 4539: 4538: 4537: 4532: 4521: 4519: 4515: 4514: 4512: 4511: 4506: 4501: 4496: 4491: 4486: 4481: 4476: 4471: 4465: 4463: 4457: 4456: 4454: 4453: 4448: 4443: 4438: 4433: 4428: 4423: 4418: 4413: 4408: 4403: 4401:Builder's risk 4398: 4392: 4390: 4386: 4385: 4383: 4382: 4377: 4372: 4367: 4362: 4357: 4352: 4347: 4342: 4337: 4332: 4327: 4325:Business owner 4322: 4317: 4311: 4309: 4305: 4304: 4302: 4301: 4296: 4291: 4289:Universal life 4286: 4281: 4276: 4271: 4265: 4263: 4257: 4256: 4254: 4253: 4248: 4243: 4241:Long-term care 4238: 4233: 4232: 4231: 4226: 4216: 4211: 4206: 4200: 4198: 4189: 4183: 4182: 4175: 4174: 4167: 4160: 4152: 4146: 4145: 4140: 4133: 4132:External links 4130: 4129: 4128: 4121: 4114: 4107: 4096: 4089: 4082: 4071: 4060: 4049: 4048:, January 2006 4036: 4033: 4031: 4030: 4003: 3966: 3940: 3910: 3884: 3872:www.sbp.org.pk 3859: 3842: 3830:www.dpc.org.pk 3817: 3768: 3741: 3715: 3683: 3654: 3628: 3605: 3582:Desai, Susan. 3574: 3548: 3522: 3496: 3467: 3441: 3409: 3379: 3346: 3328: 3307: 3281: 3255: 3225: 3195: 3173: 3147: 3121: 3102: 3084: 3058: 3036: 3014: 2993: 2971: 2949: 2930: 2911: 2892: 2873: 2869:Deutsche Welle 2861: 2842: 2823: 2797: 2778: 2759: 2733: 2687: 2668: 2649: 2630: 2611: 2592: 2581:on 1 July 2017 2566: 2540: 2514: 2495: 2469: 2451:Bloomberg News 2432: 2413: 2404: 2374: 2355: 2336: 2316: 2257: 2231: 2212: 2180: 2154: 2128: 2098: 2078: 2052: 2026: 2000: 1974: 1944: 1914: 1899:. 9 May 2011. 1884: 1853: 1851: 1848: 1847: 1846: 1840: 1835: 1830: 1823: 1822: 1808: 1792: 1789: 1771: 1768: 1762: 1759: 1750: 1747: 1730: 1727: 1722: 1719: 1706: 1703: 1694: 1691: 1683: 1680: 1667:trust accounts 1663:joint accounts 1642: 1639: 1609: 1606: 1581: 1578: 1565: 1562: 1556: 1553: 1547: 1544: 1538: 1535: 1533: 1530: 1521: 1518: 1486: 1483: 1481: 1478: 1464:Kaupthing Bank 1451: 1448: 1427: 1426:United Kingdom 1424: 1418: 1415: 1405:is handled by 1398: 1395: 1377: 1374: 1365: 1362: 1313: 1310: 1293: 1290: 1281: 1278: 1269: 1266: 1248:is handled by 1241: 1238: 1221: 1218: 1205: 1202: 1185: 1182: 1180: 1179:Rest of Europe 1177: 1174: 1173: 1162: 1161: 1158: 1157: 1154: 1149: 1146: 1143: 1137: 1131: 1130: 1127: 1122: 1119: 1116: 1113: 1107: 1106: 1090: 1071: 1068: 1065: 1062: 1056: 1055: 1052: 1049: 1046: 1043: 1040: 1034: 1033: 1031: 1026: 1024: 1022: 1019: 1013: 1012: 1006: 1001: 998: 995: 992: 986: 985: 982: 979: 976: 973: 966: 960: 959: 956: 953: 952:7 October 2008 950: 947: 944: 938: 937: 933: 930: 927: 924: 921: 915: 914: 911: 908: 906: 903: 900: 894: 893: 890: 885: 883: 880: 877: 871: 870: 868: 866: 865:1 January 2011 863: 860: 857: 851: 850: 847: 837: 834: 831: 828: 822: 821: 817: 814: 812: 809: 806: 800: 799: 797: 792: 790: 787: 784: 778: 777: 774: 772: 769: 766: 763: 757: 756: 755: 754: 748: 742: 736: 718: 717: 716: 713: 710: 705: 704:1 January 2011 702: 699: 696: 690: 689: 685: 679: 676: 673: 670: 664: 663: 658: 655: 654:1 January 2011 652: 649: 646: 640: 639: 636: 631: 628: 625: 619: 613: 612: 605: 602: 600: 597: 594: 592:Czech Republic 588: 587: 585: 580: 579:September 2000 577: 574: 571: 565: 564: 557: 548: 545: 542: 539: 533: 532: 526: 521: 518: 515: 512: 506: 505: 502: 499: 497: 494: 491: 485: 484: 481: 474: 469: 466: 461: 448: 445: 421: 420:European Union 418: 384:Czechoslovakia 365: 362: 353: 350: 306: 303: 297: 294: 292: 289: 283: 280: 270: 269:Central Africa 267: 265: 262: 253: 250: 210: 207: 182: 181: 164: 163: 143:the key points 133: 131: 124: 117: 116: 72: 70: 63: 58: 32: 31: 29: 22: 15: 9: 6: 4: 3: 2: 5179: 5168: 5165: 5163: 5160: 5159: 5157: 5142: 5141: 5137: 5135: 5134: 5130: 5129: 5126: 5120: 5117: 5113: 5110: 5108: 5105: 5103: 5100: 5098: 5095: 5093: 5090: 5088: 5085: 5083: 5080: 5078: 5075: 5073: 5070: 5068: 5065: 5064: 5063: 5059: 5056: 5054: 5051: 5047: 5046: 5042: 5041: 5040: 5039: 5035: 5031: 5028: 5026: 5023: 5022: 5021: 5020: 5016: 5012: 5008: 5004: 5000: 4997: 4996: 4995: 4992: 4990: 4987: 4986: 4984: 4982: 4978: 4970: 4967: 4965: 4962: 4960: 4957: 4955: 4952: 4950: 4947: 4946: 4945: 4944:United States 4942: 4940: 4937: 4935: 4932: 4930: 4927: 4925: 4922: 4920: 4917: 4915: 4912: 4911: 4909: 4903: 4895: 4892: 4891: 4890: 4887: 4885: 4882: 4880: 4877: 4875: 4872: 4870: 4867: 4865: 4862: 4860: 4857: 4855: 4852: 4850: 4847: 4845: 4842: 4840: 4837: 4835: 4832: 4830: 4829: 4828:Force majeure 4825: 4823: 4820: 4816: 4813: 4811: 4808: 4806: 4803: 4802: 4801: 4798: 4794: 4791: 4790: 4789: 4786: 4781: 4779: 4778: 4774: 4773: 4772: 4769: 4767: 4764: 4762: 4759: 4757: 4754: 4750: 4749:Value of life 4747: 4745: 4741: 4738: 4736: 4733: 4731: 4728: 4726: 4723: 4721: 4718: 4716: 4713: 4712: 4711: 4708: 4706: 4703: 4702: 4700: 4698: 4693: 4687: 4677: 4674: 4672: 4669: 4667: 4664: 4662: 4659: 4657: 4654: 4652: 4649: 4647: 4644: 4642: 4639: 4637: 4634: 4632: 4629: 4627: 4624: 4622: 4619: 4617: 4614: 4612: 4611:Interest rate 4609: 4605: 4602: 4601: 4600: 4597: 4595: 4592: 4590: 4587: 4585: 4582: 4580: 4577: 4575: 4572: 4568: 4565: 4563: 4560: 4559: 4558: 4555: 4553: 4550: 4548: 4545: 4543: 4540: 4536: 4533: 4531: 4528: 4527: 4526: 4523: 4522: 4520: 4516: 4510: 4507: 4505: 4502: 4500: 4497: 4495: 4492: 4490: 4487: 4485: 4482: 4480: 4479:Inland marine 4477: 4475: 4474:GAP insurance 4472: 4470: 4467: 4466: 4464: 4462:Communication 4458: 4452: 4449: 4447: 4444: 4442: 4439: 4437: 4434: 4432: 4429: 4427: 4424: 4422: 4419: 4417: 4414: 4412: 4409: 4407: 4404: 4402: 4399: 4397: 4394: 4393: 4391: 4387: 4381: 4378: 4376: 4373: 4371: 4368: 4366: 4363: 4361: 4358: 4356: 4353: 4351: 4348: 4346: 4343: 4341: 4338: 4336: 4333: 4331: 4328: 4326: 4323: 4321: 4318: 4316: 4313: 4312: 4310: 4306: 4300: 4297: 4295: 4292: 4290: 4287: 4285: 4284:Unitised fund 4282: 4280: 4277: 4275: 4274:Mortgage life 4272: 4270: 4267: 4266: 4264: 4262: 4258: 4252: 4249: 4247: 4244: 4242: 4239: 4237: 4234: 4230: 4227: 4225: 4222: 4221: 4220: 4217: 4215: 4212: 4210: 4207: 4205: 4202: 4201: 4199: 4197: 4193: 4190: 4184: 4180: 4173: 4168: 4166: 4161: 4159: 4154: 4153: 4150: 4144: 4141: 4139: 4136: 4135: 4126: 4122: 4119: 4115: 4112: 4108: 4105: 4101: 4097: 4094: 4090: 4087: 4083: 4080: 4076: 4072: 4069: 4065: 4061: 4058: 4054: 4050: 4047: 4043: 4039: 4038: 4018: 4014: 4007: 3988: 3984: 3977: 3970: 3954: 3950: 3944: 3928: 3924: 3920: 3914: 3898: 3894: 3888: 3873: 3869: 3863: 3852: 3846: 3831: 3827: 3821: 3813: 3807: 3788: 3781: 3775: 3773: 3756: 3752: 3745: 3729: 3725: 3719: 3700: 3693: 3687: 3671: 3667: 3666:www.lps.go.id 3664: 3658: 3642: 3638: 3632: 3624: 3620: 3616: 3609: 3593: 3589: 3585: 3578: 3562: 3558: 3557:"laws n acts" 3552: 3536: 3532: 3526: 3510: 3506: 3500: 3493: 3481: 3477: 3471: 3455: 3451: 3445: 3426: 3419: 3413: 3397: 3393: 3389: 3383: 3364: 3357: 3350: 3342: 3338: 3332: 3325: 3321: 3317: 3311: 3295: 3291: 3285: 3269: 3265: 3259: 3243: 3239: 3235: 3229: 3213: 3209: 3205: 3199: 3193: 3189: 3186: 3177: 3161: 3157: 3151: 3135: 3131: 3125: 3118: 3114: 3111: 3106: 3098: 3094: 3088: 3072: 3068: 3062: 3056: 3052: 3049: 3040: 3034: 3030: 3027: 3018: 3012: 3008: 3005: 2997: 2991: 2987: 2984: 2975: 2969: 2965: 2962: 2953: 2946: 2942: 2939: 2934: 2927: 2923: 2920: 2915: 2908: 2904: 2901: 2896: 2889: 2885: 2882: 2877: 2870: 2865: 2858: 2854: 2851: 2846: 2839: 2835: 2832: 2827: 2811: 2807: 2801: 2794: 2790: 2787: 2782: 2775: 2771: 2768: 2763: 2747: 2743: 2737: 2729: 2723: 2704: 2697: 2691: 2684: 2680: 2677: 2672: 2665: 2661: 2658: 2653: 2646: 2642: 2639: 2634: 2627: 2623: 2620: 2615: 2608: 2604: 2601: 2596: 2580: 2576: 2570: 2554: 2550: 2544: 2528: 2524: 2518: 2511: 2507: 2504: 2499: 2483: 2479: 2473: 2457: 2453: 2452: 2447: 2442: 2436: 2429: 2425: 2422: 2417: 2408: 2392: 2388: 2383: 2378: 2371: 2367: 2364: 2359: 2352: 2348: 2345: 2340: 2333: 2329: 2326: 2320: 2314: 2310: 2307: 2303: 2299: 2296: 2283: 2280: 2274: 2270: 2267: 2261: 2245: 2241: 2235: 2228: 2224: 2221: 2216: 2197: 2190: 2184: 2168: 2164: 2158: 2142: 2138: 2132: 2116: 2112: 2111:www.difxs.com 2108: 2102: 2095: 2091: 2088: 2082: 2066: 2062: 2056: 2040: 2036: 2030: 2014: 2010: 2004: 1988: 1984: 1978: 1962: 1958: 1954: 1948: 1932: 1928: 1924: 1918: 1902: 1898: 1894: 1888: 1872: 1868: 1864: 1858: 1854: 1844: 1841: 1839: 1836: 1834: 1831: 1828: 1825: 1824: 1820: 1809: 1806: 1795: 1788: 1784: 1780: 1777: 1767: 1758: 1756: 1746: 1742: 1740: 1736: 1726: 1718: 1716: 1712: 1702: 1700: 1690: 1687: 1679: 1678: 1673: 1670: 1668: 1664: 1660: 1656: 1652: 1648: 1638: 1634: 1629: 1625: 1620: 1618: 1614: 1605: 1601: 1599: 1595: 1591: 1587: 1577: 1575: 1571: 1561: 1552: 1543: 1529: 1527: 1517: 1515: 1510: 1508: 1504: 1500: 1496: 1491: 1477: 1474: 1469: 1465: 1459: 1457: 1447: 1445: 1441: 1437: 1433: 1423: 1414: 1412: 1408: 1404: 1394: 1391: 1386: 1384: 1373: 1371: 1361: 1359: 1358:Andrey Kozlov 1355: 1351: 1347: 1343: 1338: 1335: 1331: 1327: 1323: 1319: 1309: 1307: 1303: 1299: 1289: 1287: 1277: 1275: 1274:Liechtenstein 1268:Liechtenstein 1265: 1263: 1259: 1255: 1251: 1247: 1237: 1235: 1231: 1227: 1217: 1215: 1211: 1201: 1199: 1195: 1191: 1167: 1163: 1155: 1153: 1150: 1147: 1144: 1141: 1138: 1136: 1133: 1132: 1128: 1126: 1123: 1120: 1117: 1114: 1112: 1109: 1108: 1104: 1101:replaced the 1100: 1096: 1091: 1089: 1085: 1081: 1080: 1075: 1072: 1069: 1066: 1063: 1061: 1058: 1057: 1053: 1050: 1047: 1044: 1041: 1039: 1036: 1035: 1032: 1030: 1027: 1025: 1023: 1020: 1018: 1015: 1014: 1007: 1005: 1002: 1000:November 2008 999: 996: 993: 991: 988: 987: 983: 980: 977: 974: 971: 967: 965: 962: 961: 957: 954: 951: 948: 945: 943: 940: 939: 934: 931: 928: 925: 922: 920: 917: 916: 912: 909: 907: 904: 901: 899: 896: 895: 891: 889: 886: 884: 881: 878: 876: 873: 872: 869: 867: 864: 861: 858: 856: 853: 852: 848: 846: 841: 838: 835: 832: 829: 827: 824: 823: 818: 815: 813: 810: 807: 805: 802: 801: 798: 796: 793: 791: 788: 785: 783: 780: 779: 775: 773: 770: 767: 764: 762: 759: 758: 752: 749: 746: 743: 740: 737: 734: 731: 730: 728: 727:Torsten Albig 719: 714: 711: 708: 707: 706: 703: 700: 697: 695: 692: 691: 686: 683: 680: 677: 674: 671: 669: 666: 665: 659: 656: 653: 650: 647: 645: 642: 641: 637: 635: 632: 629: 626: 623: 620: 618: 615: 614: 606: 603: 601: 598: 595: 593: 590: 589: 586: 584: 581: 578: 575: 572: 570: 567: 566: 558: 556: 552: 549: 546: 543: 540: 538: 535: 534: 527: 525: 522: 519: 516: 513: 511: 508: 507: 503: 500: 498: 495: 492: 490: 487: 486: 482: 480:organization 475: 470: 467: 462: 459: 458: 455: 454: 444: 441: 435: 432: 428: 417: 415: 411: 410:Massachusetts 406: 404: 400: 396: 391: 389: 385: 381: 377: 371: 364:United States 361: 359: 349: 347: 341: 338: 334: 329: 325: 321: 316: 312: 302: 288: 279: 276: 273:Banks in the 261: 259: 252:Local details 249: 247: 243: 239: 235: 230: 228: 227:policy makers 224: 220: 216: 206: 204: 200: 196: 192: 188: 178: 175: 160: 150: 144: 142: 137: 132: 128: 123: 122: 113: 110: 102: 99:December 2016 92: 87: 83: 79: 78: 71: 62: 61: 56: 54: 47: 46: 41: 40: 35: 30: 21: 20: 5138: 5131: 5077:Credit union 5043: 5036: 5017: 4889:Underwriting 4844:Insurability 4826: 4805:Co-insurance 4775: 4771:Cancellation 4578: 4562:Catastrophic 4547:Climate risk 4375:Trade credit 4124: 4021:. Retrieved 4006: 3994:. Retrieved 3982: 3969: 3957:. Retrieved 3943: 3931:. Retrieved 3922: 3913: 3901:. Retrieved 3897:the original 3887: 3875:. Retrieved 3871: 3862: 3845: 3833:. Retrieved 3829: 3820: 3794:. Retrieved 3787:the original 3759:. Retrieved 3744: 3732:. Retrieved 3728:the original 3718: 3706:. Retrieved 3686: 3674:. Retrieved 3665: 3657: 3645:. Retrieved 3631: 3623:the original 3618: 3608: 3596:. Retrieved 3587: 3577: 3565:. Retrieved 3551: 3539:. Retrieved 3525: 3513:. Retrieved 3509:the original 3499: 3491: 3484:. Retrieved 3470: 3458:. Retrieved 3444: 3432:. Retrieved 3425:the original 3412: 3400:. Retrieved 3391: 3382: 3370:. Retrieved 3349: 3341:the original 3331: 3323: 3319: 3315: 3310: 3300:28 September 3298:. Retrieved 3284: 3272:. Retrieved 3258: 3246:. Retrieved 3237: 3228: 3216:. Retrieved 3207: 3198: 3181:(in English) 3176: 3164:. Retrieved 3150: 3138:. Retrieved 3134:the original 3124: 3105: 3096: 3087: 3075:. Retrieved 3061: 3044:(in English) 3039: 3022:(in English) 3017: 3001:(in English) 2996: 2979:(in English) 2974: 2957:(in English) 2952: 2933: 2914: 2895: 2876: 2864: 2845: 2826: 2816:22 September 2814:. Retrieved 2800: 2781: 2762: 2750:. Retrieved 2736: 2710:. Retrieved 2703:the original 2690: 2671: 2652: 2633: 2614: 2595: 2583:. Retrieved 2579:the original 2575:"Spuerkeess" 2569: 2557:. Retrieved 2543: 2531:. Retrieved 2517: 2498: 2486:. Retrieved 2472: 2460:. Retrieved 2449: 2440: 2435: 2416: 2407: 2395:. Retrieved 2391:the original 2381: 2377: 2358: 2339: 2319: 2286:. Retrieved 2260: 2248:. Retrieved 2244:the original 2234: 2215: 2203:. Retrieved 2183: 2171:. Retrieved 2157: 2145:. Retrieved 2131: 2119:. Retrieved 2110: 2101: 2081: 2069:. Retrieved 2055: 2043:. Retrieved 2029: 2017:. Retrieved 2013:the original 2003: 1991:. Retrieved 1987:the original 1977: 1965:. Retrieved 1956: 1947: 1935:. Retrieved 1926: 1917: 1905:. Retrieved 1896: 1887: 1875:. Retrieved 1871:the original 1866: 1857: 1827:Moral hazard 1819:Money portal 1805:Banks portal 1785: 1781: 1776:moral hazard 1773: 1764: 1752: 1743: 1732: 1724: 1708: 1696: 1688: 1685: 1674: 1671: 1654: 1650: 1644: 1621: 1611: 1602: 1598:moral hazard 1589: 1583: 1567: 1558: 1549: 1540: 1523: 1513: 1511: 1498: 1492: 1488: 1460: 1453: 1429: 1420: 1410: 1400: 1387: 1379: 1367: 1339: 1315: 1301: 1295: 1283: 1271: 1253: 1243: 1233: 1223: 1213: 1207: 1193: 1187: 1166: 1084:central bank 1070:28 July 2010 771:October 2008 678:25 June 1999 450: 436: 423: 407: 392: 373: 355: 342: 323: 308: 299: 285: 282:South Africa 272: 255: 238:central bank 234:institutions 231: 212: 190: 186: 185: 170: 154: 138: 136:lead section 105: 96: 89:Please help 85: 74: 50: 43: 37: 36:Please help 33: 5112:Trade union 5067:Cooperative 4740:Uncertainty 4599:Index-based 4567:Multi-peril 4525:Reinsurance 4484:Public auto 4389:Residential 4023:24 February 3959:20 November 3923:TODAYonline 3708:16 February 3676:16 November 3486:12 February 3434:23 December 3402:23 December 3372:27 November 3274:20 November 3140:18 February 2488:20 November 2288:1 September 2147:18 November 1993:13 December 1967:1 September 1729:South Korea 1705:Philippines 1631: [ 1624:Norinchukin 1520:New Zealand 1376:Switzerland 1342:corporation 1115:EUR 100,000 1064:EUR 100,000 1042:EUR 100,000 1021:EUR 100,000 994:EUR 100,000 946:EUR 100,000 942:Netherlands 923:EUR 100,000 902:EUR 100,000 879:EUR 100,000 859:EUR 100,000 830:EUR 100,000 808:EUR 100,000 786:EUR 100,000 765:EUR 100,000 698:EUR 100,000 672:EUR 100,000 648:EUR 100,000 596:EUR 100,000 573:EUR 100,000 547:1 July 2013 541:EUR 100,000 514:EUR 100,000 493:EUR 100,000 93:if you can. 5156:Categories 4907:by country 4905:Insurance 4879:Total loss 4800:Deductible 4761:Cash value 4705:Act of God 4690:Insurance 4604:Parametric 4584:Expatriate 4460:Transport/ 4426:Landlords' 4411:Earthquake 4299:Whole life 4219:Disability 4079:World Bank 3996:11 October 3933:19 October 3903:19 October 3796:4 February 3761:3 November 3734:29 January 3515:11 October 3266:. Dcs.gg. 3248:31 January 3218:31 January 2900:Fact sheet 2752:8 November 2250:8 November 2205:6 February 2019:10 October 1927:World Bank 1877:5 November 1850:References 1770:Criticisms 1586:Indonesian 1537:Bangladesh 1370:San Marino 1364:San Marino 1332:or 19,500 1330:US dollars 1095:Eurosystem 898:Luxembourg 447:By country 203:safety net 157:April 2013 39:improve it 5053:Syndicate 5019:Collegium 4914:Australia 4869:Risk pool 4839:Indemnity 4810:Copayment 4744:Knightian 4656:Terrorism 4626:Liability 4494:Satellite 4355:Pollution 4279:Term life 4188:insurance 4186:Types of 4179:Insurance 3598:7 January 3077:25 August 2961:full text 2462:26 August 2441:political 2397:31 August 2173:7 October 2121:25 August 1937:25 August 1721:Singapore 1580:Indonesia 1555:Hong Kong 1485:Australia 1385:(FINMA). 875:Lithuania 478:insurance 468:Coverage 380:Civil War 219:bank runs 199:financial 195:countries 141:summarize 45:talk page 5133:Category 5011:§275–277 4929:Pakistan 4777:Pro rata 4666:War risk 4631:No-fault 4542:Casualty 4499:Shipping 4469:Aviation 4446:Renters' 4441:Property 4436:Mortgage 4406:Contents 4380:Umbrella 4340:Fidelity 4308:Business 4204:Accident 4017:Archived 3987:Archived 3985:. OECD. 3953:Archived 3927:Archived 3806:cite web 3755:Archived 3699:Archived 3670:Archived 3641:Archived 3592:Archived 3561:Archived 3535:Archived 3480:Archived 3454:Archived 3396:Archived 3363:Archived 3324:BBC News 3294:Archived 3268:Archived 3242:Archived 3212:Archived 3188:Archived 3160:Archived 3113:Archived 3071:Archived 3051:Archived 3029:Archived 3007:Archived 2986:Archived 2964:Archived 2941:Archived 2922:Archived 2903:Archived 2884:Archived 2853:Archived 2834:Archived 2810:Archived 2789:Archived 2770:Archived 2746:Archived 2722:cite web 2679:Archived 2660:Archived 2641:Archived 2622:Archived 2603:Archived 2553:Archived 2527:Archived 2506:Archived 2482:Archived 2456:Archived 2424:Archived 2366:Archived 2347:Archived 2328:Archived 2309:Archived 2298:Archived 2282:Archived 2269:Archived 2223:Archived 2196:Archived 2167:Archived 2141:Archived 2115:Archived 2090:Archived 2065:Archived 2039:Archived 1961:Archived 1931:Archived 1901:Archived 1833:Bank run 1791:See also 1761:Thailand 1693:Pakistan 1682:Mongolia 1641:Malaysia 1442:and the 1322:Sberbank 1060:Slovenia 1038:Slovakia 990:Portugal 510:Bulgaria 463:Coverage 460:Country 291:Americas 209:Overview 75:require 5058:Benefit 5045:Digesta 4981:History 4715:Actuary 4671:Weather 4661:Tuition 4651:Takaful 4579:Deposit 4509:Vehicle 3877:6 April 3835:6 April 3647:7 March 3567:7 March 3460:7 March 3130:"FINMA" 2712:9 April 2559:23 June 2533:7 March 2071:7 March 1907:7 March 1626:), the 1480:Oceania 1473:Tynwald 1417:Ukraine 1262:Icesave 1246:Iceland 1240:Iceland 1226:Belarus 1220:Belarus 1210:Andorra 1204:Andorra 1190:Albania 1184:Albania 1142:950,000 1086:of the 1074:Slovene 1017:Romania 804:Ireland 782:Hungary 694:Germany 644:Finland 624:750,000 617:Denmark 537:Croatia 489:Belgium 476:Deposit 242:Ontario 201:system 77:cleanup 4934:Serbia 4894:Profit 4766:Broker 4692:policy 4504:Travel 4489:Marine 4396:Boiler 4370:Surety 4214:Dental 4196:Health 3541:21 May 2585:7 July 2045:7 July 1749:Taiwan 1403:Turkey 1397:Turkey 1312:Russia 1292:Norway 1280:Monaco 1135:Sweden 1082:, the 964:Poland 855:Latvia 842:(FITD) 761:Greece 684:(FGDR) 668:France 569:Cyprus 473:since 465:limit 431:Ecofin 412:, the 352:Mexico 305:Canada 296:Brazil 264:Africa 246:Quebec 5030:Guild 4924:India 4919:China 4788:Claim 4594:Group 4574:Cyber 4552:Crime 4518:Other 4451:Title 4416:Flood 4127:(OUP) 3990:(PDF) 3979:(PDF) 3854:(PDF) 3790:(PDF) 3783:(PDF) 3702:(PDF) 3695:(PDF) 3428:(PDF) 3421:(PDF) 3366:(PDF) 3359:(PDF) 3166:2 May 2706:(PDF) 2699:(PDF) 2199:(PDF) 2192:(PDF) 1647:Malay 1635:] 1617:Tokyo 1608:Japan 1564:India 1546:China 1111:Spain 1103:tolar 919:Malta 826:Italy 471:Valid 427:euros 393:Most 5003:§234 4725:Risk 4695:and 4557:Crop 4421:Home 4315:Bond 4261:Life 4068:IADI 4057:IADI 4046:IADI 4025:2012 3998:2008 3961:2021 3935:2019 3905:2019 3879:2023 3837:2023 3812:link 3798:2015 3763:2017 3736:2012 3710:2022 3678:2021 3649:2022 3600:2022 3569:2022 3543:2012 3517:2008 3488:2019 3462:2022 3436:2017 3404:2011 3374:2020 3302:2011 3276:2021 3250:2021 3220:2021 3168:2010 3142:2009 3079:2021 2818:2016 2754:2010 2728:link 2714:2013 2587:2017 2561:2015 2535:2022 2490:2021 2464:2017 2399:2010 2290:2010 2252:2010 2207:2013 2175:2008 2149:2010 2123:2021 2073:2022 2047:2018 2021:2008 1995:2020 1969:2021 1939:2021 1909:2022 1879:2014 1755:NT$ 1739:wons 1532:Asia 1512:The 1334:Euro 1145:100% 1118:100% 1099:euro 1067:100% 1045:100% 1029:FGDB 997:100% 975:100% 949:100% 926:100% 905:100% 882:100% 862:100% 833:100% 811:100% 789:100% 768:100% 701:100% 675:100% 651:100% 627:100% 599:100% 576:100% 544:100% 517:100% 496:100% 374:The 244:and 4697:law 4636:Pet 1306:NOK 1198:ALL 1140:SEK 970:PLN 622:DKK 408:In 335:or 320:C$ 189:or 5158:: 5009:; 5005:; 5001:; 4102:, 4077:, 4066:, 4055:, 4044:, 3981:. 3925:. 3921:. 3870:. 3828:. 3808:}} 3804:{{ 3771:^ 3753:. 3697:. 3668:. 3639:. 3617:. 3590:. 3586:. 3559:. 3490:. 3478:. 3452:. 3394:. 3390:. 3292:. 3240:. 3236:. 3210:. 3206:. 3158:. 3095:. 2808:. 2744:. 2724:}} 2720:{{ 2551:. 2525:. 2454:. 2448:. 2165:. 2113:. 2109:. 2063:. 2037:. 1959:. 1955:. 1929:. 1925:. 1895:. 1865:. 1665:, 1661:, 1649:: 1633:ja 1588:: 1308:. 1105:. 1076:: 729:. 553:- 390:. 48:. 5060:/ 4742:/ 4171:e 4164:t 4157:v 4027:. 4000:. 3963:. 3937:. 3907:. 3881:. 3856:. 3839:. 3814:) 3800:. 3765:. 3738:. 3712:. 3680:. 3651:. 3602:. 3571:. 3545:. 3519:. 3464:. 3438:. 3406:. 3376:. 3304:. 3278:. 3252:. 3222:. 3170:. 3144:. 3099:. 3081:. 2820:. 2756:. 2730:) 2716:. 2589:. 2563:. 2537:. 2492:. 2466:. 2401:. 2334:) 2323:( 2292:. 2275:) 2264:( 2254:. 2209:. 2177:. 2151:. 2125:. 2075:. 2049:. 2023:. 1997:. 1971:. 1941:. 1911:. 1881:. 1711:₱ 1436:£ 1409:( 1300:( 1252:( 1232:( 972:) 177:) 171:( 159:) 155:( 145:. 112:) 106:( 101:) 97:( 55:) 51:(

Index

improve it
talk page
Learn how and when to remove these messages
cleanup
quality standards
improve this article
Learn how and when to remove this message

lead section
summarize
provide an accessible overview
Learn how and when to remove this message
countries
financial
safety net
fractional-reserve banking
bank runs
banking institution
policy makers
institutions
central bank
Ontario
Quebec
International Association of Deposit Insurers
Economic Community of Central African States
Canada Deposit Insurance Corporation
Federal Deposit Insurance Corporation
C$
guaranteed investment certificates
Registered Retirement Savings Plan

Text is available under the Creative Commons Attribution-ShareAlike License. Additional terms may apply.