Financial stability depends on the public believing that money placed in a bank is safe. Many countries in Africa have established or are strengthening deposit insurance schemes, often alongside new resolution laws and bank capital rules. Those responsible face practical questions: what to cover, how much to charge banks, how to invest a fund, and how to pay depositors quickly and accurately when a failure occurs.

The programme begins with the economics of bank runs and moral hazard, then reviews the core principles for effective deposit insurance systems published by international standard setters. Participants compare scheme designs and learn how mandate, governance and legal protection shape performance. The central sessions follow the life of a failure, from monitoring and early warning to the decision to intervene, selection of a resolution strategy and, where necessary, reimbursement of depositors.

Participants work through simulated cases with sample bank data, premium calculations and payout timelines. They also practise drafting public messages that calm depositors without raising false expectations. The course ends with a design review in which each participant assesses a scheme of their choice and identifies priority reforms.

By the end of the course, participants will be able to:

• Explain the role of deposit insurance in the financial safety net and in preventing bank runs.
• Assess scheme design choices on mandate, coverage, membership and governance.
• Calculate risk-based premiums and evaluate target fund size and funding adequacy.
• Develop investment and liquidity policies suited to a deposit insurance fund.
• Plan reimbursement operations, including data readiness and payout timelines.
• Describe the main bank resolution tools and how the insurer contributes to them.
• Design depositor communication and public awareness activities.

The programme is suitable for professionals who design, run or work with financial safety net institutions, including:

• Staff of deposit insurance and protection schemes
• Bank supervisors and resolution authority officers
• Central bank financial stability and payment system staff
• Ministry of finance and treasury officials
• Commercial bank risk, compliance and finance managers
• Internal and external auditors of financial institutions
• Legal advisers on banking law and insolvency
• Development partner and regulatory reform advisers

Participants take away:

• A scheme assessment framework based on international core principles.
• A worked premium model they can adapt to a local banking sector.
• A payout readiness checklist with data and process requirements.
• A communication plan template for failure and non-failure periods.
• A clearer map of how supervision, resolution and insurance fit together.
• A list of reform priorities for their own jurisdiction or institution.

The programme is practical and uses material from real systems. It combines:

• Expert presentations on scheme design and operations
• Comparative review of schemes in several jurisdictions
• Spreadsheet workshops on premiums, fund adequacy and payouts
• A bank failure simulation across the safety net institutions
• Reform roadmap presentations with peer feedback

Participants who attend all sessions and complete the exercises will be issued with a CPD-accredited Certificate of Completion by Vision Reach Global Consultancy, confirming the training undertaken.