Laying the Groundwork: A Non-Binding Risk Management Policy for Deposit Guarantee Schemes

Brussels, 8 September 2025 

We are very pleased to publish the Non-Binding Risk Management Policy for Deposit Guarantee Schemes prepared by the European Forum of Deposit Insurers (EFDI) Risk Management Working Group (RMWG) to support its members in strengthening their institution.

This policy is intended as a practical framework that Deposit Guarantee Schemes (DGSs) can adapt to their specific legal, operational, and organisational environmental risk management governance. It was designed in alignment with the European Union’s Directive 2014/49/EU on Deposit Guarantee Schemes (DGSD) and relevant guidelines issued by the European Banking Authority (EBA). It also draws on established principles of good governance and risk management from international standard-setters..

The content of this policy aims to apply to all functions and activities of the Member organisation, including governance structures, operational teams, strategic initiatives, and third-party relationships. Members may tailor its conten,t to reflect their national context, legal obligations, and institutional responsibilities.

EFDI would like to thank the co-leaders of the RMWG, Ms Melinda Friesz and Mr Loïc Trintignac and Members of the RMWG. In particular, the Members of the Drafting Team, for their important role in preparing this document, and for their thoughtful and constructive contributions throughout the process.

 For more information, please contact EFDI Secretariat: [email protected]