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Basic Principles of Financial Planning in Ex-ante Deposit Insurance Schemes


  • Djurdjica Ognjenovic

    (Arhivanalitika d.o.o., Zagreb)


The paper explores main principles of financial planning in ex-ante deposit insurance schemes from a theoretical perspective and in terms of the EU Directive on deposit-guarantee schemes. Further on, the paper assesses how these principles and standards are used in financial planning in deposit insurance schemes around the world for annual budgeting, strategic planning and optimalization of available financial resources. After reviewing available references and different practices, the conclusion is that there are no clear internationally accepted principles for deposit insurers’ financial planning, except some broad and general guidelines. Practices in the industry differ significantly. Given the fact that deposit insurance is in fact a monopolistic business, lack of clear principles and lack of proper financial planning may lead to inadequacy of ex-ante funds and negligence on the side of the management of deposit insurance schemes.

Suggested Citation

  • Djurdjica Ognjenovic, 2006. "Basic Principles of Financial Planning in Ex-ante Deposit Insurance Schemes," Financial Theory and Practice, Institute of Public Finance, vol. 30(4), pages 369-380.
  • Handle: RePEc:ipf:finteo:v:30:y:2006:i:4:p:369-380

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    References listed on IDEAS

    1. K. Dimitrova & Nikolay Nenovsky, 2003. "Deposits insurance during EU accession," Post-Print halshs-00259788, HAL.
    2. Laeven, Luc, 2002. "Pricing of deposit insurance," Policy Research Working Paper Series 2871, The World Bank.
    3. Demirguc-Kunt, Asli & Karacaovali, Baybars & Laeven, Luc, 2005. "Deposit insurance around the world : a comprehensive database," Policy Research Working Paper Series 3628, The World Bank.
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    More about this item


    deposit insurance; financial planning; ex-ante deposit insurance scheme;

    JEL classification:

    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy


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