How to cite this paper
Ebiaghan, O & Jeroh, E. (2020). Deposit insurance fund and the quality of risk assets of Nigerian deposit money banks.Management Science Letters , 10(5), 1129-1140.
Refrences
Adekanmbi, M. O. (2017). Causes and effects of banking distress in Nigeria banking industry. International Academic Journal of Accounting and Financial Management, 4(1), 100-105.
Ahmad, L. R., Febrian, E., Anwar, M. & Herwany, A. (2019). Market discipline and implicit deposit protection: Empirical study on the regional development bank in Indonesia. Journal of Economics and Economic Education Research, 20(2), 1-15.
Alford, D. (2010). Nigerian banking reform: Recent actions and future prospects. Available at https://ssrn.com/abstract=1592599. DOI: https://dx.doi.org/10.2139/ssrn.1592599.
Alford, D. (2012). Reform of the Nigerian banking system: Assessment of the Asset Management Corporation of Nigeria (AMCON) and recent developments. Available at https://ssrn.com/abstract=2006057. DOI: https://dx.doi.org/10.2139/ssrn.2006057.
Alyeksyeyev, I., & Mazur, A. (2018). Adapting international experience to the deposit guarantee system in Ukraine. Fi-nancial Sciences, 23(1), 9-21.
Anginer, D. & Demirgüç-Kunt, A. (2018). Bank runs and moral hazard: A review of deposit insurance. Policy Research Working Paper 8589. World Bank Group: Development Economics and Development Research Group.
Ani,W. & Ogar, A. (2018). Effect of deposit insurance fund on the safety of bank deposit in Nigeria IIARD International Journal of Banking and Finance Research 4( 2), 65-72.
Anyanwu, J. (1997). Deposit insurance in Nigeria: benefits, costs and operational strategies. Savings and Development, 1, 67-77.
Bernet, B. & Walter, S. (2009). Design, structure and implementation of a modern deposit insurance scheme. SUERF Studies 2009/5. Vienna: SUERF-The European Money and Finance Forum.
Calomiris, C. W., & Jaremski, M. (2019). Stealing deposits: Deposit insurance, risk‐taking, and the removal of market discipline in early 20th‐century banks. The Journal of Finance, 74(2), 711-754.
Cheng, R. & Ellyne, M. (2011). Valuation of deposit insurance in South Africa using an option-based model. Paper pre-sented at the Biennial Conference of the Economic Society of South Africa, University of Stellenbosch, South Africa. 5th-7th September.
Chernykh, L., & Cole, R. A. (2011). Does deposit insurance improve financial intermediation? Evidence from the Russian experiment. Journal of Banking and Finance, 35(2), 388-340. DOI: doi:10.1016/j.jbankfin.2010.08.014
Chu, K. (2011). Deposit insurance and banking stability. Cato Journal, 31(1), 34-46.
Davis, E. & Obasi, U. (2009). Deposit insurance systems and bank risk. Department of Economics and Finance Working Paper No.19-26, Brunel University, West London. Available at http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.425.5373&rep=rep1&type=pdf
Demirgüç-Kunt, A. & Detragiache, E. (2002). Does deposit insurance increase banking system stability? An empirical in-vestigation. Journal of Monetary Economics, 49(7), 1373-1406. DOI: https://doi.org/10.1016/S0304-3932(02)00171-X
Demirgüç-Kunt, A. & Kane, E. J. (2002). Deposit insurance around the globe: Where does it work? The Journal of Eco-nomic Perspectives 16(2), 175–195.
Demirgüç-Kunt, A. & Huizinga, H. (1999). Market discipline and Financial Safety Net Design. World Bank Policy Re-search Paper 2183. World Bank Research Group
Demirgüç-Kunt, A., & Huizinga, H. (2013). Are banks too big to fail or too big to save? International evidence from equi-ty prices and CDS spreads. Journal of Banking & Finance, 37(3), 875-894.
Demirgüç-Kunt, A., Kane, E., & Laeven, L. (2015). Deposit insurance around the world: A comprehensive analysis and database. Journal of Financial Stability, 20, 155-183.
Ebiaghan, F., Ojugbeli, C. & Okoye, E. (2017). Toxic assets dilemma and the health of deposit money banks: Assessing the performance of the Asset Management Company of Nigeria (AMCON). Journal of Social and Management Sci-ences, 12(1), 127-138.
Eisenbeis, R. & Kaufman, G. (2006). Cross-border banking: Challenges for deposit insurance and financial stability in the European Union. Federal Reserve Bank of Atlanta Working Paper No. 2006-15.
Enkhbold, E. & Otgonshar, B. (2013). The effect of deposit insurance on risk taking in Asian banks. Asian Journal of Fi-nance & Accounting, 5(1), 104-126.
Febrian, E. & Herwany, A. (2011). Depositor sensitivity to risk of Islamic and conventional banks: Evidence from Indone-sia. The International Journal of Business and Finance Research, 5(3), 29-44.
Forssbæck, J. (2011). Ownership structure, market discipline, and banks’ risk-taking incentives under deposit insurance. Journal of Banking & Finance, 35(10), 2666–2678. DOI: https://doi.org/10.1016/j.jbankfin.2011.02.024.
Glonti, V. & Vashakmadze, I. (2018). Deposit insurance, as the basis for ensuring financial sustainability of the banking system. Journal of Applied Finance & Banking, 8(5), 43-52.
Gropp, R. & Vesala, J. (2001). Deposit insurance and moral hazard: Does the counterfactual matter? ECB Working Paper 47, Kaiserstrasse-Frankfurt: European Central Bank. Available at https://www.ecb.europa.eu/pub/pdf/scpwps/ecbwp047.pdf?ab523709522dfa413746ae661128300c
Gropp, R. & Vesala, J. (2004). Deposit insurance, moral hazard and market monitoring. Review of Finance, 8(4), 571-602. DOI: https://doi.org/10.1093/rof/8.4.571.
Gueyie, J. P. & Lai, V. S. (2003). Bank moral hazard and the introduction of official deposit insurance in Canada. Interna-tional Review of Economics & Finance, 12(2), 247-273. DOI: https://doi.org/10.1016/S1059-0560(02)00106-5.
Hogan, T. L. & Luther, W. J. (2014). The explicit costs of government deposit insurance. Cato Journal, 34(1), 145-170
IADI (2009). Funding of deposit insurance systems. Guidance Paper – Research and Guidance Committee. Basel, Switzer-land: Bank for International Settlements.
IADI (2011) Funding mechanisms of deposit insurance systems in the Asia-Pacific region. Research Paper- Research Subcommittee of the Asia-Pacific Regional Committee. Basel, Switzerland: Bank for International Settlements
IADI (2014) Core principles for effective deposit insurance systems, November, 29. Available at http://www.iadi.org/en/assets/File/Core%20Principles/cprevised2014nov.pdf.
Jalan, M. & Pradhan, H. K. (2012). Risk based pricing of deposit insurance: Empirical estimation of commercial banks of India. XI Capital Markets Conference, 21-22 December 2012, Indian Institute of Capital Markets (UTIICM) DOI: https://dx.doi.org/10.2139/ssrn.2255474.
Jameaba, M. S. (2018). Deposit insurance and financial intermediation: The case of Indonesia Deposit Insurance Corpora-tion. Cogent Economics & Finance, 6, 1-32. DOI: https://doi.org/10.1080/23322039.2018.1468231
Karabulut, G. & Bilgin, M. H. (2007). Sources of non-performing loans in Turkish banking system. Journal of Business & Economics Research 5(10), 91-96. DOI: https://doi.org/10.19030/jber.v5i10.2595
Karels, G. V. & McClatchey, C. A. (1999). Deposit insurance and risk-taking behaviour in the credit union industry. Jour-nal of Banking & Finance 23(1), 105-134. DOI: https://doi.org/10.1016/S0378-4266(98)00074-0
Khundadze, S. (2009). The problem of moral hazard and effects of deposit insurance project. IBSU Scientific Journal, 2(3), 89-114.
Mbarek, L. & Hmaied, D. M. (2011). Deposit insurance and bank risk-shifting incentives: Evidence from the Tunisian banking system. Journal of Money, Investment and Banking, 20(2011), 41-53.
McCoy, P. A. (2006). The moral hazard implications of deposit insurance: Theory and evidence. Seminar on Current De-velopments in Monetary and Financial Law, Washington D.C., October 23-27.
Nigeria Deposit Insurance Corporation (2005). Annual Report and Statement of Accounts. Abuja: NDIC.
Nigeria Deposit Insurance Corporation Act (2006), Abuja: Federal Government of Nigeria
Nigeria Deposit Insurance Corporation (2009). Annual Report and Statement of Accounts. Abuja: NDIC.
Nigeria Deposit Insurance Corporation (2012). Annual Report and Statement of Accounts. Abuja: NDIC.
Nigeria Deposit Insurance Corporation (2017). Annual Report and Statement of Accounts. Abuja: NDIC.
Nijskens, R., & Wagner, W. (2011). Credit risk transfer activities and systemic risk: How banks became less risky indi-vidually but posed greater risks to the financial system at the same time. Journal of Banking & Finance, 35(6), 1391-1398. DOI: https://doi.org/10.1016/j.jbankfin.2010.10.001.
Niinimäki, J. P. (2003). Maturity transformation without maturity mismatch and bank panics. Journal of Institutional and Theoretical Economics, 159(3), 511-522.
Obienusi, I. & Obienusi, E. A. (2015). Banking reforms and the Nigerian economy, 1990 – 2007 Historical Research Let-ter 21, 27-31.
Thies, C. & Gerlowski, D. (1989). Deposit insurance: A history of failure. Cato Journal, 8(3), 677-693.
Ume, K. E., Oleka, C. & Obasikene, A. C. (2017). Deposit insurance and moral hazards: A theoretical discourse. Journal for Studies in Management and Planning, 3(2), 38-43.
Wheelock, D. (1992) Deposit insurance and bank failures: New evidence from the 1920s. Economic Inquiry 30(3), pp. 530-543.
World Bank Group (2016) Nigeria: methodological approach for development of Target Deposit Insurance Fund model. Technical Report.
Ahmad, L. R., Febrian, E., Anwar, M. & Herwany, A. (2019). Market discipline and implicit deposit protection: Empirical study on the regional development bank in Indonesia. Journal of Economics and Economic Education Research, 20(2), 1-15.
Alford, D. (2010). Nigerian banking reform: Recent actions and future prospects. Available at https://ssrn.com/abstract=1592599. DOI: https://dx.doi.org/10.2139/ssrn.1592599.
Alford, D. (2012). Reform of the Nigerian banking system: Assessment of the Asset Management Corporation of Nigeria (AMCON) and recent developments. Available at https://ssrn.com/abstract=2006057. DOI: https://dx.doi.org/10.2139/ssrn.2006057.
Alyeksyeyev, I., & Mazur, A. (2018). Adapting international experience to the deposit guarantee system in Ukraine. Fi-nancial Sciences, 23(1), 9-21.
Anginer, D. & Demirgüç-Kunt, A. (2018). Bank runs and moral hazard: A review of deposit insurance. Policy Research Working Paper 8589. World Bank Group: Development Economics and Development Research Group.
Ani,W. & Ogar, A. (2018). Effect of deposit insurance fund on the safety of bank deposit in Nigeria IIARD International Journal of Banking and Finance Research 4( 2), 65-72.
Anyanwu, J. (1997). Deposit insurance in Nigeria: benefits, costs and operational strategies. Savings and Development, 1, 67-77.
Bernet, B. & Walter, S. (2009). Design, structure and implementation of a modern deposit insurance scheme. SUERF Studies 2009/5. Vienna: SUERF-The European Money and Finance Forum.
Calomiris, C. W., & Jaremski, M. (2019). Stealing deposits: Deposit insurance, risk‐taking, and the removal of market discipline in early 20th‐century banks. The Journal of Finance, 74(2), 711-754.
Cheng, R. & Ellyne, M. (2011). Valuation of deposit insurance in South Africa using an option-based model. Paper pre-sented at the Biennial Conference of the Economic Society of South Africa, University of Stellenbosch, South Africa. 5th-7th September.
Chernykh, L., & Cole, R. A. (2011). Does deposit insurance improve financial intermediation? Evidence from the Russian experiment. Journal of Banking and Finance, 35(2), 388-340. DOI: doi:10.1016/j.jbankfin.2010.08.014
Chu, K. (2011). Deposit insurance and banking stability. Cato Journal, 31(1), 34-46.
Davis, E. & Obasi, U. (2009). Deposit insurance systems and bank risk. Department of Economics and Finance Working Paper No.19-26, Brunel University, West London. Available at http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.425.5373&rep=rep1&type=pdf
Demirgüç-Kunt, A. & Detragiache, E. (2002). Does deposit insurance increase banking system stability? An empirical in-vestigation. Journal of Monetary Economics, 49(7), 1373-1406. DOI: https://doi.org/10.1016/S0304-3932(02)00171-X
Demirgüç-Kunt, A. & Kane, E. J. (2002). Deposit insurance around the globe: Where does it work? The Journal of Eco-nomic Perspectives 16(2), 175–195.
Demirgüç-Kunt, A. & Huizinga, H. (1999). Market discipline and Financial Safety Net Design. World Bank Policy Re-search Paper 2183. World Bank Research Group
Demirgüç-Kunt, A., & Huizinga, H. (2013). Are banks too big to fail or too big to save? International evidence from equi-ty prices and CDS spreads. Journal of Banking & Finance, 37(3), 875-894.
Demirgüç-Kunt, A., Kane, E., & Laeven, L. (2015). Deposit insurance around the world: A comprehensive analysis and database. Journal of Financial Stability, 20, 155-183.
Ebiaghan, F., Ojugbeli, C. & Okoye, E. (2017). Toxic assets dilemma and the health of deposit money banks: Assessing the performance of the Asset Management Company of Nigeria (AMCON). Journal of Social and Management Sci-ences, 12(1), 127-138.
Eisenbeis, R. & Kaufman, G. (2006). Cross-border banking: Challenges for deposit insurance and financial stability in the European Union. Federal Reserve Bank of Atlanta Working Paper No. 2006-15.
Enkhbold, E. & Otgonshar, B. (2013). The effect of deposit insurance on risk taking in Asian banks. Asian Journal of Fi-nance & Accounting, 5(1), 104-126.
Febrian, E. & Herwany, A. (2011). Depositor sensitivity to risk of Islamic and conventional banks: Evidence from Indone-sia. The International Journal of Business and Finance Research, 5(3), 29-44.
Forssbæck, J. (2011). Ownership structure, market discipline, and banks’ risk-taking incentives under deposit insurance. Journal of Banking & Finance, 35(10), 2666–2678. DOI: https://doi.org/10.1016/j.jbankfin.2011.02.024.
Glonti, V. & Vashakmadze, I. (2018). Deposit insurance, as the basis for ensuring financial sustainability of the banking system. Journal of Applied Finance & Banking, 8(5), 43-52.
Gropp, R. & Vesala, J. (2001). Deposit insurance and moral hazard: Does the counterfactual matter? ECB Working Paper 47, Kaiserstrasse-Frankfurt: European Central Bank. Available at https://www.ecb.europa.eu/pub/pdf/scpwps/ecbwp047.pdf?ab523709522dfa413746ae661128300c
Gropp, R. & Vesala, J. (2004). Deposit insurance, moral hazard and market monitoring. Review of Finance, 8(4), 571-602. DOI: https://doi.org/10.1093/rof/8.4.571.
Gueyie, J. P. & Lai, V. S. (2003). Bank moral hazard and the introduction of official deposit insurance in Canada. Interna-tional Review of Economics & Finance, 12(2), 247-273. DOI: https://doi.org/10.1016/S1059-0560(02)00106-5.
Hogan, T. L. & Luther, W. J. (2014). The explicit costs of government deposit insurance. Cato Journal, 34(1), 145-170
IADI (2009). Funding of deposit insurance systems. Guidance Paper – Research and Guidance Committee. Basel, Switzer-land: Bank for International Settlements.
IADI (2011) Funding mechanisms of deposit insurance systems in the Asia-Pacific region. Research Paper- Research Subcommittee of the Asia-Pacific Regional Committee. Basel, Switzerland: Bank for International Settlements
IADI (2014) Core principles for effective deposit insurance systems, November, 29. Available at http://www.iadi.org/en/assets/File/Core%20Principles/cprevised2014nov.pdf.
Jalan, M. & Pradhan, H. K. (2012). Risk based pricing of deposit insurance: Empirical estimation of commercial banks of India. XI Capital Markets Conference, 21-22 December 2012, Indian Institute of Capital Markets (UTIICM) DOI: https://dx.doi.org/10.2139/ssrn.2255474.
Jameaba, M. S. (2018). Deposit insurance and financial intermediation: The case of Indonesia Deposit Insurance Corpora-tion. Cogent Economics & Finance, 6, 1-32. DOI: https://doi.org/10.1080/23322039.2018.1468231
Karabulut, G. & Bilgin, M. H. (2007). Sources of non-performing loans in Turkish banking system. Journal of Business & Economics Research 5(10), 91-96. DOI: https://doi.org/10.19030/jber.v5i10.2595
Karels, G. V. & McClatchey, C. A. (1999). Deposit insurance and risk-taking behaviour in the credit union industry. Jour-nal of Banking & Finance 23(1), 105-134. DOI: https://doi.org/10.1016/S0378-4266(98)00074-0
Khundadze, S. (2009). The problem of moral hazard and effects of deposit insurance project. IBSU Scientific Journal, 2(3), 89-114.
Mbarek, L. & Hmaied, D. M. (2011). Deposit insurance and bank risk-shifting incentives: Evidence from the Tunisian banking system. Journal of Money, Investment and Banking, 20(2011), 41-53.
McCoy, P. A. (2006). The moral hazard implications of deposit insurance: Theory and evidence. Seminar on Current De-velopments in Monetary and Financial Law, Washington D.C., October 23-27.
Nigeria Deposit Insurance Corporation (2005). Annual Report and Statement of Accounts. Abuja: NDIC.
Nigeria Deposit Insurance Corporation Act (2006), Abuja: Federal Government of Nigeria
Nigeria Deposit Insurance Corporation (2009). Annual Report and Statement of Accounts. Abuja: NDIC.
Nigeria Deposit Insurance Corporation (2012). Annual Report and Statement of Accounts. Abuja: NDIC.
Nigeria Deposit Insurance Corporation (2017). Annual Report and Statement of Accounts. Abuja: NDIC.
Nijskens, R., & Wagner, W. (2011). Credit risk transfer activities and systemic risk: How banks became less risky indi-vidually but posed greater risks to the financial system at the same time. Journal of Banking & Finance, 35(6), 1391-1398. DOI: https://doi.org/10.1016/j.jbankfin.2010.10.001.
Niinimäki, J. P. (2003). Maturity transformation without maturity mismatch and bank panics. Journal of Institutional and Theoretical Economics, 159(3), 511-522.
Obienusi, I. & Obienusi, E. A. (2015). Banking reforms and the Nigerian economy, 1990 – 2007 Historical Research Let-ter 21, 27-31.
Thies, C. & Gerlowski, D. (1989). Deposit insurance: A history of failure. Cato Journal, 8(3), 677-693.
Ume, K. E., Oleka, C. & Obasikene, A. C. (2017). Deposit insurance and moral hazards: A theoretical discourse. Journal for Studies in Management and Planning, 3(2), 38-43.
Wheelock, D. (1992) Deposit insurance and bank failures: New evidence from the 1920s. Economic Inquiry 30(3), pp. 530-543.
World Bank Group (2016) Nigeria: methodological approach for development of Target Deposit Insurance Fund model. Technical Report.