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The EBA launched a public consultation on its draft Guidelines on methods for calculating contributions to Deposit Guarantee Schemes (DGSs).
The proposed Guidelines put forward methods for calculating ex-ante contributions to DGSs, and particularly the methods for adjusting contributions to banks' risk profiles in order to incentivise sound risk behaviours. The proposed methods will ensure that DGSs are properly financed by credit institutions and meet the target funding level foreseen by the DGS Directive (in principle 0.8% of covered deposits by 2024), so as to protect tax payers from an underfinanced deposit insurance scheme.
These Guidelines carefully respect the principle of proportionality and the diversity of institutions and business models. DGSs will be able to complement or even amend the weights assigned to risk indicators, as provided for in these Guidelines, so as to take account of the specificities of credit institutions, while respecting a number of safeguards, which ensure harmonisation and comparability across the Single Market.
These Guidelines offer a comparable basis for assessing progress in convergence when reviewing the framework in 2017 and complement the Guidelines on payment commitments, which the EBA launched for consultation on 25 September 2014.
Comments to this consultation can be sent to the EBA by 11 February 2015. A public hearing will then take place at the EBA premises on 8 January 2015 from 14:00 to 17:00 UK time.