RISK ADJUSTED A DEPOSIT INSURANCE PREMIUM - AN EMPIRICAL ANALYSIS FOR POLISH BANKING SECTOR

Fair, individualized risk adjusted premium has a tremendous positive impact on the banks, the safety net institutions and indirectly, the whole economy. The direction of changes in European regulations regarding deposit guarantee indicates that differentiation of deposit premiums will be implemented in the EU law. The purpose of the article was to present the deposit guarantee schemes in selected countries, which provide risk-based contributions as well as models proposed by the European Commission as a basis for unification of guarantee schemes in the EU. Furthermore empirical fmdings on the differentiation of deposit premiums in the Polish banking sector were presented.