Mind the Gap - A comparative analysis between the IADI CPs and the DGSD - December 2017

Aug 20, 2026

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Mind the Gap examines differences between IADI Core Principles (CPs) for effective deposit insurance systems and the EU Deposit Guarantee Scheme Directive (DGSD). It applies an assessment approach aligned with compliance assessment methodology, structuring analysis around 16 core principles covering public policy objectives, governance, cross-border issues, membership, coverage, funding, public awareness, legal protection, and crisis-related actions. It also addresses deposit insurer responsibilities in contingency planning, early intervention, failure resolution, depositor reimbursement, and recoveries, concluding with overall findings and recommendations.

LanguageEnglish

CategoryResearch & Report

FormatPDF

Pages68

Reading Time2 h 51 min

AccessFree to download

Introduction

Methodology

Summary of findings

Some conclusions

The gap analysis

Core Principle 1 – Public policy objectives

Core Principle 2 – Mandate and powers

Core Principle 3 – Governance

Core Principle 4 – Relationships with other safety-net participants

Core Principle 5 – Cross-border issues

Core Principle 6 – Deposit insurer’s role in contingency planning and crisis management

Core Principle 7 – Membership

Core Principle 8 – Coverage

Core Principle 9 – Sources and uses of funds

Core Principle 10 – Public awareness

Core Principle 11 – Legal protection

Core Principle 12 – Dealing with parties at fault in a bank failure

Core Principle 13 – Early detection and timely intervention

Core Principle 14 – Failure resolution

Core Principle 15 – Reimbursing depositors

Core Principle 16 – Recoveries

“Mind the gap!” A comparative analysis between the IADI CPs and the DGSD IADI- ERC Subgroup December 2017 Index Introduction ....................................................................................................................................................... 3 Methodology ..................................................................................................................................................... 4 Summary of findings .......................................................................................................................................... 7 Some conclusions ............................................................................................................................................ 12 The gap analysis............................................................................................................................................... 13 Core Principle 1 – Public policy objectives .................................................................................................. 13 Core Principle 2 – Mandate and powers ..................................................................................................... 15 Core Principle 3 – Governance .................................................................................................................... 18 Core Principle 4 – Relationships with other safety-net participants .......................................................... 22 Core Principle 5 – Cross-border issues ........................................................................................................ 24 Core Principle 6 – Deposit insurer’s role in contingency planning and crisis management ....................... 26 Core Principle 7 – Membership................................................................................................................... 29 Core Principle 8 – Coverage ........................................................................................................................ 32 Core Principle 9 – Sources and uses of funds ............................................................................................. 38 Core Principle 10 – Public awareness ......................................................................................................... 45 Core Principle 11 – Legal protection ........................................................................................................... 49 Core Principle 12 – Dealing with parties at fault in a bank failure .............................................................. 51 Core Principle 13 – Early detection and timely intervention ...................................................................... 53 Core Principle 14 – Failure resolution ......................................................................................................... 56 Core Principle 15 – Reimbursing depositors ............................................................................................... 62 Core Principle 16 – Recoveries .................................................................................................................... 67 Introduction In 2009, IADI and the Basel Committee on Banking Supervision (BCBS) released the “Core Principles for Effective Deposit Insurance Systems”. A “Compliance Assessment Methodology for the Core Principles” was issued in 2010. The Core Principles (CPs) and the compliance assessment methodology are a powerful tool for assessing the effectiveness and the efficiency of deposit insurance systems, 1 identifying criticalities and defining measures to address them. The CPshave been structured to cover all aspects of a deposit insurance scheme, irrespective of its geographical location or legal and judicial environment. In the autumn of 2014, the new revised version of the CPs was released. It comprises 16 Principles (compared to

FAQs

What is the purpose of the document “Mind the gap!”?

It performs a comparative analysis between IADI Core Principles and the EU DGSD, using a methodology linked to compliance assessment for deposit insurance effectiveness and efficiency.

How many core principles are examined in the gap analysis?

The analysis covers 16 Core Principles, reflecting the revised version published after the earlier set that contained 18 principles.

Which topics are included in the comparison besides general governance?

Beyond governance, the document assesses public awareness and legal protection, crisis and contingency planning roles, deposit insurer actions for early detection and intervention, failure resolution, depositor reimbursement, and recoveries.

Aug 20, 2026

Upload by Xiajie