IADI and the European Bank for Reconstruction and Development (EBRD) held a Seminar on Deposit Insurance for the Western Balkans on 8-9 December 2003. The Seminar took place at the Bank for International Settlements in Basel. Participants came from Albania, Bulgaria, Bosnia & Herzegovina, Hungary, Kosova, Macedonia, Serbia, the Republic of Montenegro. Topics covered an overview of financial system issues in the Western Balkans, presentations on the state of depositor protection in individual countries, interrelationships among financial safety net players, case studies on public awareness, funding, payouts, bank resolutions, investment policies and lessons learned from introducing insurance systems.