Establishment of a European Deposit Insurance Scheme

Summary

The proposal introduces a European Deposit Insurance Scheme (EDIS I) to provide liquidity support to national deposit guarantee schemes, enhancing banking stability in the EU.
10 12.09.2024
Other
economy
finance
social policy
administrative law
public administration
business and competition

Key points

  • The proposal establishes a new stage for the European Deposit Insurance Scheme, referred to as EDIS I.
  • EDIS I will function primarily as a liquidity scheme to provide loans to national deposit guarantee schemes.
  • The Deposit Insurance Fund is expected to reach a target level of 50% of the national target levels within three years.
  • Mandatory lending from participating schemes will be capped at 30% of their target level once the fund is fully built up.
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