Credit Line to the Deposit Insurance Agency of BiH


Bosnia and Herzegovina

Project number:


Business sector:

Non-depository Credit (non bank)

Notice type:


Environmental category:


Approval date:

08 Sep 2009



PSD disclosed:

27 Feb 2009

Project Description

The EBRD is considering providing the Deposit Insurance Agency of Bosnia and Herzegovina with a stand-by credit line in the amount of EUR 50 million. The Agency would be permitted to drawdown funds from this credit line under certain pre-agreed conditions with the purpose of making funds available to pay out to depositors.

The aim of the credit line is to increase confidence in the country’s financial sector by enabling the Agency to increase deposit insurance coverage to 50’000 KM, in response to recent increases in Deposit Insurance Coverage in neighbouring countries.

The product has been designed to allow the Agency to accumulate funds safely over time without placing undue pressure on the banking system. It is designed to expire once the Agency no longer requires EBRD support.

Transition Impact

Customer deposits are a key source of funding for the banking system. A well functioning deposit insurance scheme is a key component of a country’s financial infrastructure and helping the development of such schemes that engender trust in the financial system is a key priority.

In Bosnia and Herzegovina the deposit insurance scheme was established only recently, with a donation from USAID and KfW. The deposit insurance scheme has worked well so far and the authorities’ decision to increase the deposit insurance coverage in order to catch up with neighbouring countries was a necessary development in the current environment. The EBRD support will provide further stability to the system and strengthen the Agency.

The Client

The Agency is an independent, non-profit legal entity designed to provide deposit insurance to all individuals that hold accounts with member banks.

EBRD Finance

A committed stand-by credit line in the amount of EUR 50 million, supported by sovereign guarantee.

Project Cost

EUR 50 million.

Environmental Impact

Not applicable.

Technical Cooperation



Business opportunities

For business opportunities or procurement, contact the client company.

For state-sector projects, visit EBRD Procurement: Tel: +44 20 7338 6794

General enquiries

EBRD project enquiries not related to procurement:
Tel: +44 20 7338 7168

Public Information Policy (PIP)

The PIP sets out how the EBRD discloses information and consults with its stakeholders so as to promote better awareness and understanding of its strategies, policies and operations. Please visit the Public Information Policy page below to find out how to request a Public Sector Board Report.
Text of the PIP

Share this page: