Nigeria's free digital learning hub. Videos, lecture notes, practice questions and leaderboards aligned with CCMAS, NBTE, NCCE, WAEC, NECO, IJMB and JAMB curricula.
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Nigeria's free digital learning hub. Videos, lecture notes, practice questions and leaderboards aligned with CCMAS, NBTE, NCCE, WAEC, NECO, IJMB and JAMB curricula.
Funding, Premium Assessment, and Bank Failure Resolution examines the financial and operational mechanisms through which deposit insurance systems, particularly the Nigeria Deposit Insurance Corporation (NDIC), ensure the stability of the banking sector. It focuses on how funds are mobilized through premium assessments paid by insured financial institutions, which are calculated based on risk exposure and deposit levels, to maintain a reserve for protecting depositors. The topic also explores methods of resolving bank failures, including liquidation, mergers, acquisitions, and bridge bank arrangements, aimed at minimizing losses and maintaining public confidence. Emphasis is placed on the importance of efficient funding structures and timely resolution strategies in sustaining financial stability and protecting the economy. Course objectives include enabling learners to understand the sources and management of deposit insurance funds, analyze the process of premium assessment, evaluate strategies for resolving bank failures, and develop insights into how these mechanisms contribute to banking sector stability and depositor protection.
This lecture is part of FIN 316 PRACTICE OF DEPOSIT INSURANCE in the FINANCE department. The course has 28 recorded lectures across 10 series, all free to watch. Read or download the FIN 316 lecture note to study alongside the video.
