Conclusion

Abstract

This book has investigated the new rules on deposit guarantee schemes in the European single supervisory and resolution framework. After investigating the variety of features in place in the member states, an empirical assessment is performed to test the effect of risk-adjusted contributions. Whereas higher contributions should be paid under the new framework, the establishment of some adjustment for risk mitigates this effect for less risky banks. Assuming the establishment of a pan-European scheme, less risky national banking systems pay lower contributions, whereas if national compartments are maintained, the overall effect of introducing risk adjustment is neutral at the country level.