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FGDR - Activité 2024
The year 2024 was, above all, one of continuity, with the FGDR confirming its intervention capability at the end of the year. Its financial resources for the deposit guarantee scheme are in line with the target set by the DGSD2 directive for France of 0.5% of covered deposits, which had already been reached at the end of 2023. Its financial reserves, combined with other readily available resources, must enable the FGDR to cope with all types of banking crises.
The FGDR continues to roll out increasingly demanding operational tests each year across the banking sector: in 2024, over 98% of institutions in the French market underwent regular testing, alongside on-site inspections to verify the accuracy of customer data files submitted during these exercises and to assess the internal governance overseeing their preparation.
Michel Cadélano Anthony Requin
Member of the Executive Board Chairman of the Executive Board

Facts and figures 2024
The year 2024 as seen by the FGDR team
Measures to strengthen the operational capability of the integrated compensation and communication system (ICS):
"In 2024, 183 deposit guarantee scheme member institutions were subject to a control to verify compliance with the deadline and quality of the data sent to the FGDR in the event of compensation. »
Arnaud Ribadeau-Dumas
Head of Operations
Several regulatory developments in 2024:
"Several regulatory texts were adopted to improve the organisation of the compensation scheme, particularly those relating to the investor compensation scheme and the guarantee of asset management services scheme."
Édith-Clara Cohen
Head of Legal
The FGDR’s investment policy has been developed to best achieve the objectives established by its mission and set out in the European DGSD2 directive:
"Asset allocation is one of the key factors that enable the FGDR to meet its investment objectives: liquidity and security first and foremost."
Arnaud Schangel
Head of Finance
A varied stress test plan involving operational stakeholders:
"The objective of the 2023-2024 stress test plan was to assess the FGDR’s ability to compensate depositors - while complying with the seven-working day period - and perform scenarios as close as possible to real operational conditions."
Loïc Trintignac
Head of risk Management
A communication system centred around education:
"In 2024, the FGDR created and launched a digital training platform for the general public and professionals in the banking and financial sector."
Sylvie Godron-de Maintenant
Directrice de la communication et de la formation