Deposit Insurance Funds: Analysis of Insurance Premium Disparity Between
Banks and Thrifts (Testimony, 08/02/95, GAO/T-AIMD-95-223).

A potential premium rate disparity between banks and thrifts could
develop in the next few months because the Federal Deposit Insurance
Corporation (FDIC) reduced the premium rates that member institutions
pay to the Bank Insurance Fund when the Fund reaches its target reserve
level.  This testimony summarizes an analysis of these issues found in a
March 1995 GAO report (GAO/AIMD-95-84). This testimony also comments on
the framework recently proposed by FDIC, the Office of Thrift
Supervision, and the Treasury Department to deal with the impending
premium rate disparity.

--------------------------- Indexing Terms -----------------------------

 REPORTNUM:  T-AIMD-95-223
     TITLE:  Deposit Insurance Funds: Analysis of Insurance Premium 
             Disparity Between Banks and Thrifts
      DATE:  08/02/95
   SUBJECT:  Funds management
             Deposit funds
             Bank deposits
             Capital
             Financial institutions
             Insurance premiums
             Insured commercial banks
             Interest rates
             Bank failures
             Savings and loan associations
IDENTIFIER:  SAIF
             BIF
             Bank Insurance Fund
             Savings Association Insurance Fund
             
------------------------------------------------------------------------

We regret that electronic text of GAO Testimony is not available at 
this time. 

See the GAO FAQ - Section 2.0 for printed copy ordering information.
The FAQ is automatically retrieved with all WAIS search results or 
can be obtained by sending e-mail to: [email protected]