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The pre-funded available financial means of each Deposit Guarantee Scheme (DGS) are in the process of being built up under a new funding model introduced in 2014. However, the deposit guarantee of €100,000 (or equivalent in local currency) remains fully in effect, and built up available financial means are only one source of funding for EU DGSs. With this publication, which will be done on a yearly basis, the European Banking Authority (EBA) will contribute to enhance transparency and public accountability of DGSs across the EU to the benefit of depositors, markets, policymakers, DGSs and Members States.
Every year, the EBA receives data from each EU Member State on available financial means and covered deposits. This data provides a point-in-time snapshot of the extent to which DGSs across the EU are building up funds to help cover the guarantee they offer to depositors. However, the data should be interpreted carefully given the national specificities that still exist in individual Member States. As a matter of fact, data for different Member States is not immediately comparable without taking these national specificities into account.
Deposit Guarantee Schemes data
Additional information on DGS data