The GCBDIF fund of the Global Banking Agency and its Global Banking Centre is a cumulative premium fund account of about 711. 237 billion
set aside by the global financial institutions and society for worldwide interbank financial telecommunication (SWIFT) members and clients of the
Global Banking Union (G.B.U) and its Global Commercial Banks Union (G.C.B.U) and Global Central Banks Union (G.C.B.U) as insurance and
development fund account to pay back unforeseen money lost due to the failure of a financial institution to meet its deposits demand. The GCBDIF fund of the
Global Banking Agency account could not run out of money because it is funded by cumulative insurance premium deposit payments made by the global banks
as well as interests on premium account invested. During a period of stress, global banks would be expected to use their pool of premium accounts in consonance
with the Basel III International Banking Co-operative Agreements on Liquidity and Financial Risk Standards Measurement. It is designed to improve the global
commercial banking sector’s ability to absorb shocks arising from liquidity shortfalls. The GCBDIF of the Global Banking Agency is a sustainable pool of funding
that is intended to reduce the likelihood that disruptions to global commercial banks’ regular sources of funding will erode their liquidity positions in ways that
could increase the risk of their failure and potentially lead to broader systemic stress as postulated in the Basel III Global Commercial Banking Co-operative
Accord