Cine te poate despăgubi dacă banca pe care o foloseşti intră în faliment? Fondul de Garantare a Depozitelor în Sistemul Bancar (FGDB) este instituţia salvatoare. Conform informaţiilor de pe dezvoltatorimobiliar.ro, aceasta avea la sfârșitul lui 2012, aproximativ trei miliarde de lei, disponibili pentru despăgubirea deponenților, dacă instituțiile bancare intră în faliment.
În comparaţie cu 2011, Fondul avea cu peste 650 de milioane de lei mai mulți bani, iar față de 2007, resursele financiare au crescut de patru ori. Resursele financiare ale Fondului de Garantare provin din contribuțiile achitate de către instituțiile de creditare participante la Fond, adică aproape 420 de milioane de lei în 2012, cu peste 5% față de anul 2011. Resursele Fondului la încheierea lui 2012 reprezintă aproape 2% din totalitatea depozitelor garantate, iar FGDB intră în categoria schemelor de garantare a depozitelor din UE cu cele mai ridicate grade de acoperire a expunerii.
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