EU deposit guarantee scheme funds reach €85bn
EBA reports EU deposit guarantee scheme funds have grown to €85bn to protect depositors against bank failures.
Continued growth in DGS available financial means strengthens depositor protection buffers ahead of the 2024 target level deadline. Banks should factor rising ex-ante contributions into cost planning and resolution/liquidity contingency frameworks.
DGS funding levels affect bank contributions, resolution credibility and deposit stability.
Action Required
Reassess DGS contributions forecasting, resolution planning assumptions and depositor protection communications.
DGS fund adequacy is a systemic indicator of EU depositor protection and resolution readiness.
Treasury and resolution planning to update DGS contribution projections and confirm alignment of recovery/resolution plans with strengthened depositor protection framework.
“EU deposit guarantee scheme funds to protect depositors against bank failures continue to grow and have reached a volume of €85bn, the EBA observes”
Published: 2026-06-30