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Consultation on the Impact of Digitalisation and Financial Innovation
IADI is pleased to announce the launch of a consultation on the impact of digitalisation and financial innovation on deposit insurance systems. The consultation report examines how technological advancements, such as tokenisation, artificial intelligence, and cloud computing, are reshaping financial services and creating both opportunities and challenges for deposit insurers.
Key areas covered in the report include:
- The coverage and protection of emerging digital financial products such as e-money, stablecoins, tokenised deposits, and central bank digital currencies (CBDCs).
- The role of fintech firms and non-insured deposit-taking institutions in the evolving financial landscape.
- The implications of technological advancements for the operational resilience of deposit insurers.
The consultation aims to foster dialogue and provide a foundation for adapting deposit insurance frameworks to the rapidly changing financial environment.
The consultation closes on 16 March 2026. For further details, including how to participate, please visit the IADI website.
Roundtable on Financial Innovation and Digitalisation
The rapid pace of financial innovation and digitalisation is transforming the global financial landscape, creating challenges and opportunities for deposit insurance systems. Developments such as e-money, stablecoins, tokenised deposits, CBDCs, and emerging technologies like blockchain and artificial intelligence are reshaping traditional concepts of deposits and deposit-taking, while new actors such as fintech firms are redefining the competitive landscape.
This roundtable, taking place on 25–26 February 2026, will bring together experts from IADI, the BIS, the BIS Innovation Hub, international bodies, and the financial industry to examine these trends and discuss strategies for adapting deposit insurance frameworks to the digital age. It is designed to foster dialogue and idea-sharing among participants, with a particular focus on engaging members of the IADI Analysis and Policy Council Committees, the Fintech Technical Committee, and the E-Money Working Group.
Meetings of the IADI E-Money Working Group and Fintech Technical Committee will be held in conjunction with the roundtable to facilitate deeper discussions on these critical topics.
For more information, please contact Bert Van Roosebeke.
New IADI Policy Paper: Prompt and Effective Reimbursement
The IADI Secretariat has released a new policy paper, “Selected Aspects for a Prompt and Effective Reimbursement: Addressing Targeted Challenges”, focusing on key issues and practical solutions for deposit insurers (DIs) to ensure timely reimbursement of insured depositors.
The paper highlights:
- Challenges in meeting the seven-working-day reimbursement target under the IADI Core Principles, often due to poor depositor data and limited system testing.
- Opportunities to leverage technology to meet growing expectations for uninterrupted access to funds.
Key recommendations include:
- Providing DIs with direct and ongoing access to accurate depositor information while ensuring data privacy and security.
- Establishing predefined reimbursement plans and conducting regular testing under normal and stressed conditions in collaboration with financial safety-net participants.
- Implementing technology-based solutions to streamline reimbursement processes while supporting depositors unfamiliar with digital tools.
The policy paper offers practical guidance to help DIs strengthen reimbursement operations and maintain depositor confidence.
Deposit Guarantee Fund Engages European Investor in Resolving Failed Bank Using Bridge Bank Tool
On 15 January 2026, the Deposit Guarantee Fund (DGF) of Ukraine finalised an agreement to sell 100% of the shares in Iute Bridge Bank to a banking group headquartered in Estonia. This marks the successful completion of the resolution process for a failed bank using the bridge bank tool. Notably, this is the first instance in Ukraine’s history where a foreign investor has been engaged to purchase a bridge bank as part of a resolution.
The resolution of JSC ‘RwS Bank’, declared insolvent by the National Bank of Ukraine on 4 November 2025, represents the twelfth successful case implemented by the DGF and the third during the ongoing full-scale war.
“The purchase and sale agreement with Estonian Iute Group AS involved establishing a bridge bank, obtaining a licence, transferring assets and liabilities, and subsequently selling the bank to a foreign investor within an extremely short timeframe. This case highlights the transparency and efficiency of DGF operations, which benefit both domestic and foreign investors. It also reflects the DGF’s extensive experience and commitment to international best practices. Our mission is to continue implementing international standards in the national deposit guarantee system,” said Olga Bilai, Managing Director of the DGF.
It is worth noting that the resolution of JSC ‘RwS Bank’ is the second consecutive resolution for the DGF. In the previous year, the failed bank COMINVESTBANK was resolved by transferring part of its assets and liabilities to an acquiring bank on 31 January 2025.
Deposit Protection Agency of the Kyrgyz Republic Achieves Key Milestones in 2025
Deposit Protection Agency of the Kyrgyz Republic Achieves Key Milestones in 2025
In 2025, the Deposit Protection Agency of the Kyrgyz Republic reached significant milestones in enhancing its role in protecting depositors. Executive Director Kadyrbek Bukuev was elected to the IADI Executive Council and appointed Chairman of the Eurasia Regional Committee.
The Agency finalised its 2026–2030 Development Strategy and completed a self-assessment against the IADI Core Principles 2014, developing a detailed Action Plan for 2025–2027 to address identified gaps.
A major achievement was the finalisation and approval of the methodology for calculating risk-based differential premiums, officially adopted on 2 December 2025, with support from World Bank expert consultations. The introduction of this system is planned for 2027, while the regulatory impact analysis and legislative changes are expected to be completed in 2026.
To ensure stability, the Agency formulated an Emergency Financing Policy, supported by liquidity mechanisms agreed with the National Bank of the Kyrgyz Republic, and negotiated credit facilities as a critical backstop for the Deposit Protection Fund.
The Agency also developed an analytical system with extensive functionality for real-time processing of its internal balance sheet and in-depth analysis of member banks’ financial reporting, improving monitoring and risk-assessment capabilities. Successful end-to-end database integration testing was completed with all member banks.
Finally, the Agency strengthened public awareness initiatives regarding the deposit protection system, significantly expanding outreach to target audiences through social media, television, and radio channels. These efforts have played a vital role in building public trust in the national deposit protection system.
Bangladesh Enacts New Deposit Protection Ordinance to Strengthen Financial Stabilit
Deposit insurance in Bangladesh is a system established by the government to safeguard depositors of scheduled banks against the loss of their deposits if a bank fails to meet its obligations. The Deposit Insurance System (DIS) was first introduced in August 1984 under “The Bank Deposit Insurance Ordinance 1984” with a ‘Pay-box’ mandate. In July 2000, this was replaced by the “Bank Deposit Insurance Act, 2000”, retaining the same mandate.
As part of structural reforms in the financial sector, the “Bank Deposit Insurance Act, 2000” was repealed on 13 November 2025, and a new law, the “Deposit Protection Ordinance, 2025”, was enacted. The new law aligns with IADI core principles and international best practices, expanding the DIS mandate from ‘Pay-box’ to ‘Pay-box Plus’. Under this expanded mandate, the Deposit Protection Fund will not only cover payouts to protected depositors in cases of liquidation but also provide financial assistance for bank resolution. Additionally, finance companies will be included in the deposit protection system starting from July 2028.
The new law is expected to strengthen public confidence in the financial system and contribute to overall financial stability in Bangladesh.
Welcoming 2026 – CDIC Chinese Taipei
The Central Deposit Insurance Corporation (CDIC), Chinese Taipei, looks forward to collaborating closely with our domestic and international partners to advance shared goals and contribute to a resilient and stable financial system. We extend our best wishes to all for a successful and fulfilling year ahead.
25 Years of Protecting Depositors
In 2024, the Deposit Insurance of Vietnam (DIV) marked 25 years since its establishment, celebrating a quarter-century of dedicated efforts to protect the rights and interests of depositors. By the end of the year, DIV safeguarded insured deposits totalling nearly VND 8.9 quadrillion across approximately 124 million deposit accounts held at 1,277 insured institutions.
During the year, DIV concentrated its resources on implementing the Strategic Plan for Deposit Insurance Development towards 2025, with a vision to 2030. The organisation successfully completed the key tasks and objectives outlined for the 2022–2025 period in the Strategic Plan’s roadmap.
DIV also actively contributed to the drafting of the revised Law on Deposit Insurance and effectively executed its core operations. This included the supervision and examination of insured institutions and participation in the special control of weak credit institutions, reinforcing its role in maintaining financial stability.
IADI 2026 Calendar of Events Now Available
IADI is pleased to announce that the 2026 calendar of events is now available on our website.
The calendar provides an overview of key activities, meetings, and events scheduled for 2026, reflecting IADI’s commitment to fostering collaboration, knowledge-sharing, and the enhancement of deposit insurance systems globally.
We look forward to your active participation in the events planned for the year ahead.
Stay informed, stay ahead, and stay connected with IADI!