The data omits India, Sri Lanka and a few more Asian economies. Inter=country comparisons to that degree suffer. India has 7 strata of banks with over 80000 bank branches and a few bank failures. Deposit Insurance and Credit Guarantee Corporation of India set up by the RBI collects the premium from Banks and extends guarantee. The failed Urban Cooperative Banks - in the US parlance - small community banks - created fissures in the advantages that the Deposit Insurance with lags in implementation management although the DICGC runs by the Regulator, Reserve Bank of India.