Banks with a riskier financial situation compared with that ofother players should contribute more to the Banking System DepositsGuarantee Fund (FGDB), believes Eugen Dijmărescu, general managerof the institution.
The comment made by Dijmărescu, former vicegovernor of the NBR(National Bank of Romania) who was in charge, among other things,of financial stability, comes at a time when customers of thebanking sector are in the habit of shopping for interest rates,seeking the highest yields for their deposits, irrespective of thebank's risk profile. All banks are included in the guaranteescheme, with the guarantee cap becoming a uniform 100,000 eurosthroughout Europe since 2011. Because of the state guarantee,customers are no longer encouraged to take into account the bank'srisk when choosing where to deposit their money.
"Transparency is the best shield. I don't think if a bank has ahigher risk than another, the contribution should be proportionate.But it should be higher. It would give the depositor confidencethat their deposit is insured. Personally, I don't see such anapproach as a bad one," said Dijmărescu at an informal meeting withjournalists.
At present, banks pay an annual standard contribution to the Fundof 0.3% of the value of the insured deposits, irrespective of therisk profile.
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