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Parliamentary questions
17 May 2018
E-001299/2018
Answer given by Vice-President Dombrovskis on behalf of the Commission

In line with EU Directive 2014/49/EU(1) on deposit guarantee schemes (which is a recast of an earlier Directive from 2009(2)) the coverage level for aggregate deposits is EUR 100 000 per depositor and per bank. Credit institutions in the Union must comply with this obligation since 1 January 2011.

Member States shall ensure that the available financial means of a deposit guarantee scheme shall at least reach a target level of 0,8% of the amount of the covered deposits of its members by 3 July 2024. The European Banking Authority publishes the data regarding the level of available financial means of each scheme since 2016.(3)

(1)Directive 2014/49/EU of the European Parliament and of the Council of 16 April 2014 on deposit guarantee schemes. OJ L 173, 12.6.2014, p. 149‐178
(2)Directive 2009/14/EC of the European Parliament and of the Council of 11 March 2009 amending Directive 94/19/EC on deposit-guarantee schemes as regards the coverage level and the payout delay. OJ L 68, 13.3.2009, p. 3‐7
(3)https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data

Last updated: 17 May 2018Legal notice