![]() ![]() All banks must hold collateral consisting of assets in Switzerland equivalent to 125% of the protected and preferential client deposits.The deposit insurance scheme consists of the following key elements: In the event of a bank’s bankruptcy, the deposit insurance scheme protects client deposits against loss up to the amount of CHF 100 000. Deposit insurance: the deposit insurance scheme is activated if a bank nevertheless becomes bankrupt.System stability: the Swiss National Bank (SNB) can take measures to maintain the stability of the financial system.If a bank gets into financial difficulty, FINMA can order protective measures or restructuring measures to avert bankruptcy. Supervision: the Swiss Financial Market Supervisory Authority FINMA supervises banks on an ongoing basis to ensure that they comply with these strict rules.There are also rules about how banks must be organised. Regulation: legislators have laid down strict conditions that banks must meet in order to accept client deposits.įor example, banks must hold sufficient capital and liquidity to be able to pay out their client deposits at any time.If a bank were to become bankrupt, clients could lose at least part of their deposits.ĭepositor protection in Switzerland is made up of the following key elements: The depositor protection system is designed to prevent banks from becoming bankrupt. ![]()
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