Key figures of the FGDR
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's figures and resources
Facts & figures at 31/12/2025
| Available resources at 31/12/2025 €7.745 billion | Member institutions 1134 members | |||
Deposit i Guarantee Scheme member 323 members | Investor Compensation Scheme members 289 members | Performance Bonds Guarantee i Scheme members 252 members | Guarantee i of services provided by asset management compagnies members 684 members | |
Deposit guarantee scheme | Investor compensation scheme | Performance bonds guarantee scheme Franchise of €3,000 | Guarantee i of services provided by asset management compagnie Up to a maximum of €20,000 per client, including both securities and cash | |
1134 FGDR member institutions
FGDR member institutions
At 31 December 2025, 1134 banks and financial institutions operating in France were members of the FGDR and were required to contribute to it under at least one of the 4 guarantee schemes or under the national resolution mechanism.
| FGDR member institutions at 31/12/2025 |
|---|
| TOTAL: 1134 institutions (an institution can be a member of several guarantee mechanisms) |
| NUMBER OF MEMBERS PER GUARANTEE MECHANISM |
| 323 Members of the Deposit Guarantee Scheme |
| 289 Members of the Investor Compensation Scheme |
| 252 Members of the Performance Bonds Guarantee i Scheme |
684 Members of the services provided by asset management compagnies |
| 87 Members of the National Resolution Fund (NRF) |
Available resources: over €7.745 billion
The amount of resources available to the FGDR increases on a regular basis.
At 31/12/2025, the FGDR’s own funds stood at €7.745 billion compared to €7.732 billion as of 31/12/2024. Over €7.448 billion are allocated to the deposit guarantee mechanism. These resources are readily available at all times.
The FGDR's available ressources at 31/12/2025
| Guarantee mechanism | Available ressources in 2025 (€M) | Available ressources in 2024 (€M) |
|---|---|---|
| Deposit Guarantee | 7,456 | 7,448 |
| Investor Compensation | 174 | 173 |
| Performance Bonds Guarantee i | 41 | 41 |
National Resolution Fund (NRF) (SRF: -2) | 72 | 72 |
| Guarantee i of services provided by asset management compagnies | 2 | _ |
| Total | 7,745 | 7,732 |
Resources proportionate to intervention risk
- The FGDR’s resources are proportionate to the actual intervention risk. They correspond to the risk of having to conduct a compensation process with so-called “non-systemic” small- or medium-sized banks.
- Furthermore, the FGDR has a revolving line of credit of €1.5 billion for the deposit guarantee scheme. With this credit line, the FGDR has available resources of nearly €7.3 billion, i.e. 0.5% of bank deposits covered in France. This amount is within the targets for 2024 that the European regulations have set with regard to deposit guarantee schemes' resources.
- In addition to its immediate resources, the FGDR has the ability to collect additional special contributions from its members.
- In the event of risk involving a leading institution, the European Single Resolution Mechanism (SRM) with the Single Resolution Fund (SRF) would take action first. The SRF, which must reach at least 1% of the amount of the covered deposits of all credit institutions licensed in all participating Member States, is expected to have €78 billion by 2023.
The FGDR has ample, additional and cumulative resources to pay compensation, carry out a preventative intervention, finance asset transfers or grant guarantees to ensure the resolution of a banking crisis. These resources allow it to guarantee the customers of all institutions operating in France.
Contributions i collected in 2025
In 2025, apart from contributions intended to cover the Fund's operating expenses, the FGDR did not collect any net contributions, except for the new guarantee scheme for services provided by asset management companies, for an amount of €1 million. This is because the resources of the other guarantee schemes were considered sufficient (for the deposit guarantee scheme, the target level set by European regulation—0.5% of covered deposits—had been reached), with the exception of the new guarantee scheme for services provided by asset management companies.
Increase in own funds each year
- The FGDR's own funds increase in proportion to the amount of deposits and savings of the French people.
- Following the collection of the 2025 contributions, the FGDR’s own funds for all mechanisms totalled €7,745 million as at 31/12/2025.
| FGDR's Own Funds € million | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deposit guarantee scheme i | 2,958 | 3,157 | 3,382 | 3,649 | 4,050 | 4,482 | 5,083 | 5,844 | 6,668 | 7,446 | 7,448 | 7,456 |
| Investor compensation scheme | 135 | 148 | 152 | 153 | 154 | 156 | 159 | 167 | 169 | 172 | 173 | 174 |
| Performance bonds guarantee scheme | 37 | 38 | 38 | 38 | 38 | 39 | 39 | 39 | 40 | 41 | 41 | 41 |
| Guarantee i of services provided by asset management compagnies | _ | _ | _ | _ | _ | _ | _ | _ | _ | _ | _ | 2 |
National Resolution Fund (47-2 SFR) | 11 | 14 | 17 | 26 | 35 | 45 | 56 | 64 | 70 | 72 | 72 | |
| Total Own Funds | 3,130 | 3,354 | 3,586 | 3,857 | 4,268 | 4,712 | 5,326 | 6,106 | 6,941 | 7,729 | 7,732 | 7,745 |
Other resources
- To supplement its available resources for the deposit guarantee scheme, in January 2021 the FGDR took out a two-year stand-by line of credit, which can be renewed twice, in the amount of €1.5 billion. At the end of 2021, the due date of the line of credit was extended until January 2025.
- As provided in the French Monetary and Financial Code, in 2024 the FGDR also collected €6.904 million in monetary penalties imposed on investment services providers by the AMF. These penalties mainly supplement the FGDR’s own funds for the investor compensation scheme.
National Resolution Fund (NRF)
- The FGDR collects resources for the National Resolution Fund (NRF). For all institutions, the NRF is expected to have resources of over €72 million in 2025.
Single Resolution Fund (SRF) i
- The FGDR is also responsible for collecting contributions on behalf of the
Single Resolution Fund (SRF) i
and transferring them to that fund after receipt.
The Single Resolution Fund, which is managed by the Single Resolution Board in the euro zone, is used to finance the resolution of institutions that are “significant” under the European “SRU” regulation.
In accordance with European legislation, the target amounts to be met by both funds by 2025 are at least 1% of the covered deposits of all member institutions.
Figures for the banking sector in France
Number of institutions and deposits
As of 31 December 2023, the banking population, including branches from the European Economic Area (EEA) i , comprised: 401 credit institutions, 144 financing companies, 129 investment firms, 68 payment institutions, and 27 electronic money institutions (ACPR - Les chiffres du marché français de la banque et de l'assurance 2023, 24 October 2024).
At the end of 2024, the aggregate prudential balance sheet total of the 6 largest French banking groups stood at €8,801.5 billion, up 3.4% compared with the end of 2023 (ACPR - No. 172, La situation des grands groupes bancaires français à fin 2024).
At the end of 2023, deposits from resident non-financial customers mainly consisted of current accounts in credit (€1,060 billion), special-regime savings accounts (€1,192 billion), and term deposit accounts (€428 billion) (ACPR – Les chiffres du marché français de la banque et de l'assurance 2023, 24 October 2024).
Employement and Key figures in the banking sector activity in France
At the end of 2024, according to the French Banking Federation (FBF), the banking sector employed 373,600 staff, down 0.7% compared with 2023 (source: FBF/Revue Banque, 2025). The French banking sector remains, overall, a stable employer over time.
In its "Datarama 2026" report, the French Banking Federation (FBF) presents the following overview:
- 317 banks and 33,024 branches (source: ACPR 2026 / ECB 2024);
- More than 71,000 cash distribution points in mainland France ( Banque de France i , December 2024);
- 77 million payment cards in France (GIE CB, 2024);
- 2.2% contribution of banks to total value added in France (Insee 2025 - FBF calculations);
- €1,408 billion in corporate loans (source: Banque de France i , December 2025);
- €1,285 billion in outstanding mortgage loans (source: Banque de France i , December 2025);
- 1.7% of private-sector employment, with 373,600 employees (FBF, 2024), of whom more than 98% hold permanent contracts (CDI) (AFB, 2024).
Investment firms (EI) in France:
Over the course of 2024, the population of investment firms (EI) operating in France stood at 130. At the end of 2024, all EIs operating in France had a combined balance sheet total of €56 billion, down from €115 billion at the end of [2023] (ACPR Annual Report 2023/2024).
The French banking sector compared with the rest of Europe:
The ACPR report Les chiffres du marché français de la banque et de l'assurance 2024 reports the following data:
- At the end of 2023, France had 11 significant institutions (SI), a number that has remained stable since 2020. These French SIs represent 86% of the French banking sector and 35.1% of the total assets of all significant institutions within the Single Supervisory Mechanism (SSM);
- The remaining banking groups are supervised directly by the ACPR and classified as "less significant institutions" (LSI). France had 100 LSIs at the end of 2023, down from 111 in 2020, reflecting a continuous decline in the number of LSIs since 2020;
- 5 French banks rank among the top 10 in the Eurozone (S&P Global 2025);
- At the global level, four French banking groups (BNP Paribas, Société Générale, Groupe Crédit Agricole, and Groupe BPCE) are listed among the global systemically important institutions (G-SIBs) published by the Financial Stability Board, which lists 29 institutions worldwide, including 7 within the European Union - reflecting the significant weight of the French banking sector.