Why protecting your savings might make it harder to borrow - Econ Brief Deposit insurance prevents bank runs by assuring depositors that their money is safe. At the same time, it can weaken bank discipline. While some argue that expanding insurance makes banks lend more aggressively, this is not always the case. The impact depends on how banks fund their lending.

#DepositInsurance can be a double-edged sword: it can either encourage excessive lending or discourage banks from lending altogether, @ucleconomics.bsky.social research by Helena Palma Carvalho, #EconBrief

ucleconbrief.co.uk/2026/04/09/w...

House Financial Services Committee holds wide‑ranging hearing on deposit insurance reforms Witnesses and members debated proposals ranging from a temporary eTAG guarantee to permanent increases in FDIC coverage (including a Senate discussion of a $10 million cap), highlighting data gaps in FDIC reporting, cost and moral‑hazard trade‑offs, and differing impacts on community banks.

The House Financial Services Committee is tackling the future of deposit insurance amidst a backdrop of contrasting opinions and potential reforms that could reshape banking stability.

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#US #CitizenPortal #DataTransparency #FinancialReform #DepositInsurance

BasisPointInsight.com - Risk-Based Premiums Must Lead to Higher Bank Deposit Insurance Coverage by Mint Owl RBI’s move to risk-based deposit insurance aligns premiums with bank risk, rewarding good banks and enabling higher protection for depositors. by Mint Owl, BasisPointInsight.com

1/3 The RBI has proposed a major shift: risk-based deposit insurance premiums.

For too long, all banks paid the same flat rate, regardless of size or risk. This meant strong banks subsidised weak ones, creating a classic case of moral hazard.

#RBI #DepositInsurance #Banking

Ethiopia's microfinance sector shows promising growth, with 21.6pc asset growth, 29.2pc increase in deposits, and 26.9pc rise in loans in 2024. #BankingRisk #RiskManagement #DepositInsurance #FinancialStability #LiquidityCrisis

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The EDIF's reliance on the state-owned CBE, which contributes nearly half of the premiums, uncovers the prevailing concentration within the banking industry. #BankingRisk #RiskManagement #DepositInsurance #FinancialStability #LiquidityCrisis

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The Ethiopian Deposit Insurance Fund (EDIF) has emerged as a guardian and a reformer within the banking industry. #BankingRisk #RiskManagement #DepositInsurance #FinancialStability #LiquidityCrisis

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The Ethiopian Deposit Insurance Fund (EDIF) has emerged as a guardian and a reformer within the banking industry. #BankingRisk #DepositInsurance #FinancialStability #RiskManagement #LiquidityCrisis

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FDIC is the only protection the vast majority of us have against a bank run (1929) or worse. This dept is not waste or bloat. It's a lifeline against life or death. #FDIC #banks #depositinsurance

ബാങ്ക് പൊളിഞ്ഞാല്‍ 5 കോടി നിക്ഷേപിച്ചവർക്കും കിട്ടുക 5 ലക്ഷം മാത്രം; ഇന്‍ഷുറന്‍സ് തുക കൂട്ടാനൊരുങ്ങി കേന്ദ്രം | Kerala Times കൊച്ചി > പൂര്‍ണവിശ്വാസത്തോടെ ബാങ്കില്‍ നിക്ഷേപിക്കുന്ന പണം, പക്ഷെ ആ ബാങ്ക് ഒരു ദിവസം പൂട്ടിപോയാലോ? പരമാവധി ഇന്‍ഷുറന്‍സ് തുകയായി ലഭിക്കുക 5 ലക്ഷം രൂപയാണ്. ...

ബാങ്ക് പൊളിഞ്ഞാല്‍ 5 കോടി നിക്ഷേപിച്ചവർക്കും കിട്ടുക 5 ലക്ഷം മാത്രം; ഇന്‍ഷുറന്‍സ് തുക കൂട്ടാനൊരുങ്ങി കേന്ദ്രം
keralatimeslive.news/2025/02/18/i...

#banks #depositinsurance

Bangladesh has the lowest deposit insurance coverage in South Asia, raising concerns among depositors, particularly as at least 10 banks have become “technically bankrupt” due to rampant corruption during Sheikh Hasina’s 15-year autocratic regime

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#depositinsurance #TBSNews

Using EDIE from the FDIC helps you easily check if your deposits are fully insured, giving you peace of mind for your money. Learn more: edie.fdic.gov #FDIC #DepositInsurance