The FFSA has reviewed the amounts of assets in the Deposit Guarantee Fund and the National Resolution Fund in relation to the target levels. Both funds reached their target levels by the statutory deadline, 1 July 2024. Target levels are reviewed annually by considering any changes in the operations of banks and investment firms. If necessary, more contributions will be collected, if the funds’ target levels increase.
Target level of the Deposit Guarantee Fund increased due to growth in deposit stock
The target level of the Deposit Guarantee Fund is 0.8% of the total amount of deposits covered by deposit banks. At the end of 2025, the covered deposits of the Finnish deposit banks in the Deposit Guarantee Scheme amounted to around EUR 165.0 billion (2024: EUR 157.1 billion). The covered deposits have increased by approximately 5.0% per year, which means that the target level of the Deposit Guarantee Fund will increase to approximately EUR 1,319.9 million in 2026.
At the end of 2025, the Deposit Guarantee Fund’s assets totalled approximately EUR 1,286.4 million. To maintain the Deposit Guarantee Fund’s target level, around EUR 33.5 million in deposit guarantee contributions will be collected in 2026 (2025: EUR 20 million consisting of deposit guarantee contributions and entry contributions for a new bank).
The FFSA will make bank-specific decisions in May. Invoices will be issued in June, with a payment due date of 30 June 2026.
The National Resolution Fund still at its target level
In addition to the Single Resolution Fund (SRF), Finland also has a national Resolution Fund (Fund). The Fund’s assets can be used as part of the resolution of certain Finnish investment firms, as well as Finnish branches of some foreign credit institutions and investments firms. In 2026, the target level of the National Resolution Fund will be around EUR 0.8 million (around EUR 0.8 million in 2025). The Fund’s assets amounted to approximately EUR 0.9 million at the end of 2025. As a result, there is no need to collect any national stability contributions in 2026 (in 2025 no contributions were collected).
The target level is the proportion of investment firms with an obligation to pay in the total target level determined for investment firms and credit institutions, which corresponds to 1% of the covered deposits. The proportion of investment firms is calculated by relating the amount of their liabilities, after subtracting their own funds, to the total liabilities of investment firms and credit institutions contributing to the EU stability fee, after subtracting their own funds and covered deposits. Compared to 2025, the fund's target level decreased due to a decline in the relative size of the investment services sector.
More information:
Financial and investment officer Petri Karhapää and bank resolution expert Kristiina Tuomikoski talletussuojamaksut(at)rvv.fi and vakausmaksut(at)rvv.fi
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