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Ethiopian Deposit Insurance Fund which has 97 member FIs can only cover 13.65% of total deposits according their annual report if financial institutions fail, and although the EDIF and reporter stated that 97% of accounts have deposits less than 100k, making them under full coverage by the fund, the reality is that 97% of these accounts have on average less than 3k birr, yet the 3% have an average deposit balance of 601k, of which only 100k can be covered by the fund. The fund invests the 0.3% p
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