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Vérifier la protection de ma banque
Connaître mes garanties
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 ...
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 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 ...
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”,...
The performance bonds guarantee scheme is a specialised mechanism that protects the end customers of a project to be carried out by a business professional (travel agent, real estate developer or agent, lawyer, etc.) that has obtained a regulated performance bond from a bank or financial instit...
A propos du FGDR
This section presents the legal texts on which the FGDR and its activity are built.
Born out of the failure in 1999 of a locally systemic bank, Crédit Martiniquais, the Fonds de Garantie des Dépôts (FGD at the time) was built with a sense of urgency. It had to invent and set up a structure, draft the texts needed for its governance and resolve this crisis in the best interests o...
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...
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 European Forum of
Deposit
Insurers (EFDI)
The European Forum of
Deposit
Insurers (EFDI) was created in 2002. Its objective is to promote active European cooperation in the field of deposit guarantee schemes and investor compensation schemes. It is a unique place where members and partne...
The Fonds de Garantie des Dépôts et de Résolution (FGDR) has a mission to serve the public interest: it is the crisis operator for the banking and financial sector. It protects customers’ assets and compensates them if their institution fails. The FGDR manages four mechanisms: the deposit guara...
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.
Mission du FGDR
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...
For the FGDR, regularly testing the full operational capability of every component of its crisis management processes, particularly in terms of compensation, is essential: upstream with credit institutions and downstream with external service providers involved in the process. The FGDR, like all its...
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 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 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’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...
A crisis operator working for banking industry solidarityThe 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 occ...
Base documentaire
Find all FGDR annual reports year by year.
This section presents several reference documents produced by the FGDR and an image database for the press and media.
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...
This section presents the FGDR's official press releases related to the highlights of its activity.→ Download FGDR brochure "FGDR is protecting your accounts in the event that your bank fails"