A technical approach to deposit guarantee schemes

This chapter fits within the debate on deposit guarantee schemes in the European Union, currently under revision, investigating the changes proposed by directive 2014/49/EU of the European Parliament and the Council and regulated by the European Banking Authority. For Italian banks, new rules introduce risk-based contributions to be paid ex-ante to the national deposit guarantee scheme. The framework proposed by the European Banking Authority results in better classification for Italian banks, which requires lower payments to the scheme. Concerns are raised on the effectiveness of the European Banking Authority guidelines.