Deposit Insurance & Depositor Protection Award

Evaluation

100% automatic, from the data and evidence you submit

Minimum score to win

70 / 100

Measurement period

The full financial year 2025 (or the latest financial year completed before nominations open); growth is measured against financial year 2024

Who can apply

• A deposit insurance corporation or fund established by law, or an initiative it runs
• An explicit scheme with an announced coverage limit and compulsory membership for licensed banks
• Audited financial statements for the measurement period with an unqualified opinion from an independent external auditor

Indicators and weights

1. Tested payout time

   Working days needed to start reimbursing depositors as shown in the latest payout simulation or actual case in the last three years

   20%
   Show points and evidenceHide

   Points

   • ≥ 60 days 10
   • 20 – < 60 days 40
   • 7 – < 20 days 70
   • 0 – < 7 days 100

   Evidence

   Payout simulation report or the actual payout case report

2. Fund adequacy against insured deposits

   Net fund assets available for payout (pre-funded, excluding borrowing lines) as a percentage of total insured deposits at year end; measured as a common ratio rather than against a target the insurer sets for itself

   20%
   Show points and evidenceHide

   Points

   • ≥ 3 % 100
   • 2 – < 3 % 80
   • 1 – < 2 % 50
   • 0 – < 1 % 20

   Evidence

   Audited financial statements of the fund and the insured deposits statement at year end

3. Depositors fully covered

   Share of eligible depositors whose balances are entirely within the coverage limit

   15%
   Show points and evidenceHide

   Points

   • 95 – < 100 % 100
   • 90 – < 95 % 80
   • 80 – < 90 % 60
   • 0 – < 80 % 20

   Evidence

   Deposit distribution by size analysis from member banks’ data

4. Public awareness of deposit insurance

   Share of adults aware of the deposit insurance scheme in a national survey of at least 1,000 respondents in the last two years

   15%
   Show points and evidenceHide

   Points

   • 60 – < 100 % 100
   • 40 – < 60 % 80
   • 20 – < 40 % 50
   • 0 – < 20 % 20

   Evidence

   Survey report with sample size, method and the party that ran it

5. Compliance with the deposit insurance core principles

   Share of IADI Core Principles rated Compliant or Largely Compliant in the latest external assessment (IMF, World Bank or IADI peer review) within eight years; if only a board-approved self-assessment exists, half of its percentage is entered

   15%
   Show points and evidenceHide

   Points

   • 90 – < 100 % 100
   • 75 – < 90 % 80
   • 60 – < 75 % 50
   • 0 – < 60 % 20

   Evidence

   External assessment report or board-approved self-assessment

6. Single customer view readiness

   Share of member banks that passed the single customer view file test under the approved standard during the year

   15%
   Show points and evidenceHide

   Points

   • 95 – < 100 % 100
   • 80 – < 95 % 80
   • 50 – < 80 % 50
   • 0 – < 50 % 20

   Evidence

   Single customer view test results per bank

Each indicator gives 0 to 100 points; its share of the total is its weight. Ties are decided by the indicators listed first in the scorecard; payment or package never affects the score.

1. Done

   Nominations open

   26 October 2026 · 13:10

2. Upcoming

   Nominations close

   27 November 2026 · 01:10

3. Upcoming

   Judging starts

   27 November 2026 · 01:11

4. Upcoming

   Judging ends

   4 December 2026 · 13:00

5. Upcoming

   Results announced

   4 December 2026 · 13:10

Times are in Asia/Riyadh (UTC+03:00).