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11 July 2017

EBA enhances transparency on Deposit Guarantee Schemes across the EU


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The EBA published data relating to two key concepts in the Deposit Guarantee Schemes Directive (DGSD): available financial means, and covered deposits. The data provides an overview of the level of pre-funded resources available to each DGS in the EU to cover its potential liabilities to depositors.


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.

Press release

Deposit Guarantee Schemes data

Additional information on DGS data

Recovery, resolution and DGS 



© EBA


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