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Vérifier la protection de ma banque
Connaître mes garanties
The investor compensation scheme, a protection for all investorsThe investor compensation scheme protects and compensates investors in the event of the failure of their authorised provider (bank or investment firm). Securities and cash entrusted to a portfolio management company are protected ...
The purpose of the performance bonds guarantee is to honour, in case of the failure of a bank or financing company, the performance bonds issued by it to business professionals who are required by law to provide a guarantee to their customers. These professionals may be builders,...
The deposit guarantee scheme protects amounts deposited by customers in savings and other accounts and savings schemes. By protecting customers' assets, the FGDR helps to ensure the stability of the French banking system.
The deposit guarantee scheme covers savings another accounts up to a total of...
Consuter la procédure d'indemnisation
The compensation process is initiated as soon as the “unavailability of deposits” is declared by the Prudential Supervision and Resolution Authority (ACPR).
Within a maximum of seven working days after the bank is declared as having failed, the FGDR opens a “Secure Compensation Area”,...
A propos du FGDR
The Fonds de Garantie des Dépôts et de Résolution is a key element in the “banking safety net” set up to guarantee the stability of the financial system as a whole. It supports and complements the central bank, banking and financial supervisors and public authorities in working to secure the ...
The FGDR's financial year runs from January to December. Its key figures at 31 December of each year are published annually after the financial statements have been approved in late March-early April of the following year. The annual report is finalised then published before 30 June.
The FGDR has the skills and resources enabling it to operate under normal circumstances and to adapt to crisis intervention procedures, while controlling its cost base.
The FGDR is a small, agile oversight unit (15 people) that can intervene immediately on a preventive or compensation basis...
Mission du FGDR
A compensation process is initiated when an institution’s failure can no longer be avoided. On the basis of this determination, the Prudential Supervision and Resolution Authority (ACPR) officially initiates an intervention by the FGDR to allow the customers of the institution to be compensated ba...
The compensation process is initiated when the Prudential Supervision and Resolution Authority (ACPR) determines the unavailability of the securities and associated cash entrusted by customers to the bank or investment firm and the institution's inability to fulfil its obligation to retur...
The permanent failure of a bank or financial institution results in a suspension of payments and court-ordered liquidation, along with all the harm that that entails: customers’ accounts blocked, service interruption, loss in value of the institution's assets, losses for shareholders and creditors...
The FGDR can intervene on a preventative basis to allow the orderly discontinuation or restructuring of a troubled institution before it goes bankrupt. In this case, the FGDR finances asset restructuring or transfer measures aimed at protecting customers’ assets.
The FGDR is authorised to interve...
A crisis operator working for banking industry solidarity
The FGDR's mission is to intervene in crisis management, at the request of the supervisory authorities of the banking and financial sector, either upstream, before the crisis occurs or, when necessary, downstream, if the crisis has already...
The FGDR’s intrinsic mission is to promote sustainability and social responsibility. It works to support the public interest and serve the public and is one of the institutions that forms the “banking and financial safety net”.
Its role is to:
anticipate crises;
pr...
Base documentaire
This section presents the FGDR’s news, official press releases and annual reports.
For more detailed information, particularly from a legal and technical standpoint, this section also presents the main official texts and technical documents relating to the Fonds de Garantie des Dépôts e...