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The deposit insurance fund
The deposit insurance fund is a funding arrangement for the protection afforded to depositors in the event of a bank or institution being declared bankrupt or placed in resolution. The fund is built up through fees from the affiliated institutions.
The deposit insurance fund is a funding arrangement for the protection afforded to depositors in the event of a bank or institution being declared bankrupt or placed in resolution. As with the resolution reserve, all banks and institutions that are members of the deposit insurance scheme pay an annual fee to the Debt Office. The fees are transferred to the deposit insurance fund. If the balance of the fund is insufficient for paying compensation, additional funds are borrowed to cover the need. Such loans shall be repaid by the subsequent collection of additional fees from institutions.
The deposit insurance fund’s value amounted to SEK 56.1 billion at the end of 2025.