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Once the receivership of a bank or the receiver of a credit union or the entity contracted by the Fund to reimburse guaranteed deposits has concluded the reimbursement, guaranteed deposits can be collected at the office of the Fund within a period of 5 years from the day on which the fulfilment of the guarantee condition occurred (requisite documents can be submitted to the Fund by correspondence). After that time, claims pursuant to the deposit guarantee expire by limitation.

The funds in excess of the BFG coverage limit constitute depositors’ claims against a bank or credit union. Following a declaration of bankruptcy, depositors are entitled to pursue their claims under the general rules of the Bankruptcy and Reorganisation Law. Those funds constitute depositors’ claims against the bankruptcy estate of a bank or credit union. The depositors should then submit their claims to a judge-commissioner within the timeframe referred to in the court decision to declare bankruptcy of the relevant bank or credit union.

The guaranteed deposit reimbursement process is as follows:

1. The receivership of a bank or receiver of a credit union compile a list of depositors. The depositor list is submitted without delay but no later than within 3 working days from the day of fulfilment of the guarantee condition to the Management Board of the Bank Guarantee Fund.
2. The Fund Management Board monitors, on an ongoing basis, the compilation of the depositor list by the receivership of a bank or the credit union receiver;
3. The receivership or receiver or entity that has been contracted by BFG to carry out the reimbursement of guaranteed deposits, reimburses guaranteed deposits on behalf of the Fund and on its account. A decision in this respect is made by the Fund Management Board;
4. The Fund Management Board conveys a reimbursement list, which contains data required to carry out disbursements, to the receivership or receiver or entity that has been contracted by BFG to carry out the reimbursement of guaranteed deposits;
5. The Fund Management Board passes a resolution, stipulating the following: the identity of the entity that shall carry out the reimbursement of guaranteed deposits, the procedure of the reimbursement and the amount constituting the sum of guaranteed deposits that have been allocated for reimbursement of guaranteed deposits. This resolution is made publicly known by the Fund, by way of announcement in a newspaper of countrywide circulation;
6. The Fund conveys guaranteed deposits funds for the reimbursement of depositors of a bank or credit union with respect to which the guarantee condition has been fulfilled to the receivership or receiver or entity that has been contracted to carry out the reimbursement.

The receivership or receiver or entity contracted by BFG to carry out the reimbursement of guaranteed deposits commences the execution of the reimbursement in accordance with the resolution passed by the Fund Management Board, within 7 working days from the day of fulfilment of the guarantee condition.

Yes. After the conclusion of the reimbursement period, a guaranteed deposit reimbursement application form can be submitted to the Bank Guarantee Fund (for a period of 5 years after the day of fulfilment of the guarantee condition).

The due receivables can be collected in cash or by authorising an electronic funds transfer, at a time and place determined by the Fund. After that, guaranteed deposits can be collected at the Bank Guarantee Fund office for a period of 5 years after the day of fulfilment of the guarantee condition, after first having submitted the requisite guaranteed deposit reimbursement application form.

The procedure and dates of the reimbursement of guaranteed deposits are made publicly known by the Bank Guarantee Fund by way of announcement in a newspaper of countrywide circulation, among other channels. This information will also be posted on the BFG website.