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FGDR - Activité 2025
2025 was an active year for the FGDR, marked both by developments in its governance and in the operating principles of certain guarantee schemes, as well as by its internal activities and the evolution of European and international discussions relating to deposit guarantee schemes.
The year 2025 laid the groundwork for 2026 around clearly defined priorities: conducting operational testing, continuing the migration of the Information System Core (SIC), deploying the guarantee mechanism for management company services, strengthening the cyber risk reduction framework, and completing compliance with the French Public Procurement Code.
Our direction remains clear: to ensure continuity of service, security, and trust by combining regulatory compliance, operational efficiency, and financial sustainability.
Michel Cadélano Anthony Requin
Member of the Executive Board Chairman of the Executive Board
Facts and figures 2025
First contribution collection to build the reserves of the services provided by asset management campagnies Guarantee Scheme
The Management Company Services Guarantee Scheme reached an important milestone with its first collection of contributions from its 684 member institutions, aimed at initiating the gradual build-up of the scheme’s financial reserves.
As a result, the Supervisory Board was expanded with the election, for the first time, of a representative of the Management Company Services Guarantee Scheme, who now sits alongside the other 13 members of the FGDR Supervisory Board.
Resilience, compliance and operational reliability remained at the core of the FGDR’s activities.
In 2025, the FGDR continued to strengthen its internal frameworks in order to enhance its operational resilience and prepare for future initiatives.
This commitment was reflected in the completion of a first phase of the modernisation of the Integrated Compensation and Communication Information System (SIC), as well as in the extension of the Members Database to include portfolio management companies (SGPs).
In addition, the programme of operational and stress tests remained a key area of focus and mobilisation for FGDR teams.
Finally, in the field of cybersecurity, efforts followed a structured, risk-based approach combining assessments, testing and action planning.
The FGDR is contributing to the preparation of the future European deposit guarantee framework (DGSD3).
At the European level, several initiatives have already been launched by the European Banking Authority (EBA), with the participation of the FGDR, to prepare the future implementing standards required for the transposition of the upcoming DGSD3 Directive.These initiatives focus in particular on the operational arrangements for communicating with depositors, as well as on the compensation of client funds deposited by financial institutions with institutions that are members of the deposit guarantee scheme.
The FGDR contributed to the revision of the International Association of Deposit Insurers (IADI) standards.
At the international level, the revised Core Principles published by the International Association of Deposit Insurers (IADI), in which the FGDR took part, were released at the end of 2025.
These “core principles” form the reference framework used worldwide for the design, organisation and assessment of deposit insurance systems. This revision provides important clarifications on the scope of covered assets, the categories of institutions concerned, and expected best practices. It also introduces key principles relating to continuity and risk management for deposit insurers.
Previous Annual Reports
FGDR - Rapport annuel 2024
RA VERSION FRA 2024
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RA VERSION ENG 2024
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