If I have 50,000 Lira in your Bank, I will get 19.5% interest, if your Bank goes Tits up, I am guaranteed to get all my money back, minus the interest which would take it over the 50,000 Lira ceiling.
If I have 100,000 Lira in your Bank, I will get 20% interest, if your Bank goes Tits up, I am guaranteed to get back 50,000 Lira, minus the interest which would take it over the 50,000 Lira ceiling.
It`s a no-brainer really.