DGFBS

HISTORY, VISION AND MISSION

Your deposits are in Safety

The Deposit Guarantee Fund in the Banking System (FGDSB) was established as a legal entity under public law on July 1, 2004 based on the Law of the Republic of Moldova no. 575 of 26.12.2003 regarding the guarantee of deposits in the banking system.

Our objective is to guarantee deposits made in banks, to protect the interests of depositors and to contribute to the stability of the financial system.

DGFBS represents a fundamental component of the financial system, playing an active role in strengthening depositors' confidence and contributing to maintaining the financial resilience of the banking system in the Republic of Moldova.

As a statutory bank deposit guarantee scheme, during its 20 years of activity, the FGDSB has contributed to the country's financial stability by compensating the guaranteed deposits of failed banks. Although in 2004 only individual deposits were guaranteed and the coverage level was very low, now the coverage level has increased significantly up to 200 000 lei and both individual and corporate deposits are guaranteed.

In addition to the specific duties of a deposit guarantee scheme, starting from 2020, the FGDSB is the administrator of the Bank Resolution Fund, with the aim of accumulating financial resources to cover the needs related to the effective application of resolution instruments.

The basic mission of the DGFBS consists in the efficient management of the resources of the Fund to cover bank deposits in accordance with the provisions of the Law of the Republic of Moldova no. 160 of 22.06.2023 regarding the guarantee of deposits in banks, as well as the administration of the financial resources of the Bank Resolution Fund according to the provisions of Law of the Republic of Moldova no. 232 of 03.10.2016 regarding the recovery and resolution of banks.

Lead

The governing bodies of the DGFBS are Board of Directors and general director.

The supreme governing body is the Board of Directors, composed of 5 members, appointed by a decision of the Parliament of the Republic of Moldova, proposed by:

According to the Decisions of the Parliament of the Republic of Moldova: №. 6 of 07.02.2019, №. 267 of 22.09.2022, № 430 of 28.12.2023 and № 431 of 28.12.2023 The board of directors of FGDSB has the following composition:

Nadejda CORNEțEL

President

Proposed by the Ministry of Economic Development and Digitalization

Natalia SELEVESTRU

Vice-president

Proposed by the Moldovan Banks Association

Ion BURLEA

Member

Proposed by the National Bank of Moldova

Ana LITOCENCO

Member

Proposed by the Ministry of Finance

Ion JOSAN

Member

Proposed by the National Bank of Moldova

The day-to-day management of the DSBDGF is exercised by the Director General, who reports to the Board of Directors and acts as Executive Director on behalf of the DSBDGF. He represents the interests of the Fund in its relations with central and local public administration bodies, with any legal or natural person and with any national or international organization. According to the Decision of the Board of Directors No. 16/1 of August 15, 2024, as general director of FGDSB was named Mr Dionis Catanoi.

Organizational Chart
Deposit Guarantee Fund in the Banking System

Accumulated resources

  • Total financial resources of funds under management, accumulated at 30.06.2025 constitutes 2,293,911,523 MDLincluding:
  • - Fund to cover bank deposits (deposit guarantee resources) - 1,412,984,700 MDL
  • - Bank resolution fund (resources to finance bank resolution measures) - 880,926,823 MDL
Statistics
Statistical data represent time series of quarterly information on deposits registered in the banking system and reported to the FGDSB, contributions paid by banks to the administered funds, as well as the investment activity carried out by the FGDSB on the accumulated resources.

latest current data at 30/06/2025

Deposit categories

Amount of deposits, lei

Number of depositors, pers.

TOTAL DEPOSITS, of which:

132,941,215,694

3,052,528

Deposits of individuals:

80,583,576,914

2,935,980

in MDL

51,084,941,365

-

in foreign currency

29,498,635,549

-

Deposits of legal entities:

52,357,638,780

116,548

in MDL

36,420,921,018

-

in foreign currency

15,936,717,762

-

ELIGIBLE DEPOSITS, of which:

129,546,531,030

2,967,565

Deposits of individuals:

80,534,085,965

2,853,136

deposits ≤ coverage level

24,343,888,374

2,766,088

deposits > coverage level

56,190,197,591

87,048

Deposits of legal entities:

 49,012,445,065 114,429

deposits ≤ coverage level

2,093,100,368

99,989

deposits > coverage level

46,919,344,697

14,440

GUARANTEED DEPOSITS, of which:

46,734,588,741

2,967,565

Deposits of individuals:

 41,753,488,374 2,853,136

Deposits of legal entities:

 4,981,100,367 114,429

* categories of depositors represented by natural persons engaged in entrepreneurial activity, persons providing professional services, persons engaged in professional activity in the justice or health sector are associated with the category of legal persons.

UNLOAD
ANNUAL SERIES

2025
2024
2023
2022
2021
2020
Ordinary contributions to bank deposit cover fund (thousand lei)
Year / quarter
I
II
III
IV
total
2025
33,565.4
34,603.6
-
-
68,169.0
2024
21,904.2
22,509.5
22,922.0
23,499.9
90,835.6
2023
17,243.1
17,876.8
17,819.7
21,531.1
74,470.7
2022
15,742.6
16,548.7
16,622.3
18,282.8
67,196.4
2021
16,307.8
16,878.8
16,642.2
17,415.4
67,244.2
2020
15,656.3
15,860.0
15,744.4
16,698.0
63,958.7
2019
18,673.8
19,510.0
18,951.8
19,932.7
77,068.3
2018
17,304.8
17,675.6
17,431.6
18,629.7
71,041.7
2017
6,779.6
7,044.3
7,085.2
7,686.5
28,595.6
2016
6,138.1
6,493.6
6,509.9
6,958.4
26,100.0
2015
6,332.5
6,420.3
5,059.3
6,190.3
24,002.4
Ordinary contributions to the Bank Deposit Cover Fund, 2004-2025
Annual contributions to bank resolution fund (thousand lei)
Year / Tranche
I
II
III
IV
total
2025
48,363.2
48,363.1
-
-
96,726.3
2024
52,867.5
52,867.6
52,867.5
52,867.5
211,470.1
2023
29,470.8
29,470.8
29,470.8
29,470.7
117,883.1
2022
36,585.8
36,585.7
36,585.7
36,585.7
146,342.9
2021
32,823.8
32,823.8
32,823.8
32,823.8
131,295.2
2020
17,601.1
17,601.1
17,601.1
-
52,803.3
Annual contributions to the Bank Resolution Fund, 2020-2025

YEAR 2025 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

1,364,985.9

1,367,423.4

-

-
  • Treasury Bills
  • Government Bonds
  • 1,309,812.3
  • 55,173.6
  • 1,337,249.8
  • 30,173.6
  • -
  • -
  • -
  • -

2. Current account in MDL at the National Bank of Moldova:

0.0

45,561.3

-

-

TOTAL ASSETS (1+2)

1,364,985.9

1,412,984.7

-

-

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 558,195.7 / 7.05
  • -
  • 441,871.9 / 9.46
  • -
  • -
  • -
  • -
  • -

Total invested

558,195.7 / 7.05

441,871.9 / 9.46

-

-

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 14,743.0
  • 1,716.0
  • 12,982.1
  • 1,451.2
  • -
  • -
  • -
  • -

Total cashed

16,459.0

14,433.3

-

-

YEAR 2025 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

775,054.5

825,759.3

-

-
  • Treasury Bills
  • Government Bonds
  • 759,422.9
  • 15,631.6
  • 825,759.3
  • -
  • -
  • -
  • -
  • -

2. Current account in MDL at the National Bank of Moldova:

47,580.9

55,167.5

-

-

TOTAL ASSETS (1+2)

822,635.4

880,926.8

-

-

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 292,467.7 / 7.38
  • -
  • 318,649.6 / 9.02
  • -
  • -
  • -
  • -
  • -

Total invested

292,467.7 / 7.38

318,649.6 / 9.02

-

-

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 7,276.4
  • -
  • 9,304.7
  • 623.6
  • -
  • -
  • -
  • -

Total cashed

7,276.4

9,928.3

-

-

YEAR 2024 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

1,211,011.7

1,249,664.8

1,296,189.3

1,323,567.8
  • Treasury Bills
  • Government Bonds
  • 968,707.2
  • 242,304.5
  • 1,045,740.3
  • 203,924.5
  • 1,180,784.8
  • 115,404.5
  • 1,222,163.3
  • 101,404.5

2. Current account in MDL at the National Bank of Moldova:

0.0

1,459.3

0.0

1,459.2

TOTAL ASSETS (1+2)

1,211,011.7

1,251,124.1

1,296,189.3

1,325,027.0

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 445,298.6 / 4.68
  • -
  • 377,804.5 / 4.11
  • -
  • 572,208.1 / 4.24
  • -
  • 364,830.6 / 5.43
  • -

Total invested

445,298.6 / 4.68

377,804.5 / 4.11

572,208.1 / 4.24

364,830.6 / 5.43

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 17,737.8
  • 6,943.6
  • 14,511.1
  • 3,697.0
  • 17,544.1
  • 5,011.7
  • 9,692.8
  • 1,793.3

Total cashed

24,681.4

18,208.1

22,555.8

11,486.1

YEAR 2024 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

536,724.7

606,260.2

658,263.7

713,974.5
  • Treasury Bills
  • Government Bonds
  • 463,898.0
  • 72,826.7
  • 550,456.6
  • 55,803.6
  • 642,632.1
  • 15,631.6
  • 698,342.9
  • 15,631.6

2. Current account in MDL at the National Bank of Moldova:

50,306.7

43,137.1

50,905.0

53,021.4

TOTAL ASSETS (1+2)

587,031.4

649,397.3

709,168.7

766,995.9

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 200,833.4 / 4.92
  • -
  • 250,648.6 / 4.20
  • -
  • 250,431.2 / 4.14
  • -
  • 265,968.9 / 5.21
  • -

Total invested

200,833.4 / 4.92

250,648.6 / 4.20

250,431.2 / 4.14

265,968.9 / 5.21

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 7,299.5
  • 2,211.4
  • 8,108.3
  • 1,390.1
  • 5,347.5
  • 1,556.4
  • 7,337.4
  • 627.0

Total cashed

9,510.9

9,498.4

6,903.9

7,964.4

YE 2023 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

974,976.8

1,002,696.0

1,113,505.6

1,126,670.3
  • Treasury Bills
  • Government Bonds
  • 708,570.9
  • 266,405.9
  • 743,915.1
  • 258,780.9
  • 872,224.7
  • 241,280.9
  • 883,415.8
  • 243,254.5

2. Current account in MDL at the National Bank of Moldova:

20,130.4

47,500.2

0.0

38,129.0

TOTAL ASSETS (1+2)

995,107.2

1,050,196.2

1,113,505.6

1,164,799.3

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 266,757.8 / 13.76
  • 46,230.9 / 18.16
  • 336,272.8 / 10.12
  • 25,000.0 / 8.00
  • 461,187.3 / 6.67
  • 15,000.0 / 7.00
  • 308,251.4 / 6.15
  • 15,173.6 / 6.00

Total invested

312,998.7 / 14.37

361,272.8 / 9.98

476,187.3 / 6.68

323,425.0 / 6.14

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 22,206.3
  • 13,097.7
  • 29,305.8
  • 8,540.1
  • 28,772.3
  • 14,178.6
  • 34,699.7
  • 4,618.0

Total cashed

35,304.0

37,845.9

42,950.9

39,317.7

YE 2023 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

349,168.1

406,339.1

452,698.0

500,021.8
  • Treasury Bills
  • Government Bonds
  • 291,973.0
  • 57,195.1
  • 333,512.4
  • 72,826.7
  • 379,871.3
  • 72,826.7
  • 427,195.1
  • 72,826.7

2. Current account in MDL at the National Bank of Moldova:

41,970.8

29,470.8

29,191.6

24,631.1

TOTAL ASSETS (1+2)

391,138.9

435,809.9

481,889.6

524,652.9

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 124,816.8 / 15.05
  • -
  • 187,571.6 / 10.20
  • 15,631.6 / 8.00
  • 188,153.3 / 6.55
  • -
  • 186,166.5 / 6.25
  • -

Total invested

124,816.8 / 15.05

203,203.2 / 10.04

188,153.3 / 6.55

186,166.5 / 6.25

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 6,916.6
  • 3,967.2
  • 13,159.9
  • 2,040.3
  • 12,256.2
  • 4,352.7
  • 13,017.4
  • 1,701.4

Total cashed

10,883.8

15,200.2

16,608.9

14,718.8

YE 2022 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

820,653.3

837,780.7

887,058.7

943,390.5
  • Treasury Bills
  • Government Bonds
  • 620,058.3
  • 200,595.0
  • 616,830.7
  • 220,950.0
  • 614,338.7
  • 272,720.0
  • 688,190.5
  • 255,200.0

2. Current account in MDL at the National Bank of Moldova:

14,149.7

27,200.3

11,040.2

0.0

TOTAL ASSETS (1+2)

834,803.0

864,981.0

898,098.9

943,390.5

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 268,331.7 / 10.60
  • -
  • 249,932.0 / 16.67
  • 38,380.0 / 17.77
  • 250,898.2 / 18.63
  • 88,520.0 / 20.37
  • 370,317.5 / 20.94
  • 14,000.0 / 22.14

Total invested

 268,331.7 / 10.60 288,312.0 / 16.81 339,418.2 / 19.05 384,317.5 / 20.98

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 7,038.8
  • 4,476.7
  • 11,503.2
  • 2,932.2
  • 12,909.8
  • 3,659.5
  • 19,437.7
  • 7,361.5

Total cashed

11,515.5

14,435.4

16,569.3

26,799.2

YE 2022 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

143,001.6

230,445.1

261,700.0

324,464.0
  • Treasury Bills
  • Government Bonds
  • 125,401.6
  • 17,600.0
  • 195,822.0
  • 34,623.1
  • 186,904.9
  • 74,795.1
  • 267,268.9
  • 57,195.1

2. Current account in MDL at the National Bank of Moldova:

82,909.2

34,133.9

43,660.5

26,320.3

TOTAL ASSETS (1+2)

225,910.8

264,579.0

305,360.5

350,784.3

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 94,431.1 / 10.18
  • -
  • 114,141.0 / 16.38
  • 17,023.1 / 17.77
  • 81,289.4 / 19.04
  • 40,172.0 / 19.59
  • 167,142.4 / 20.79
  • -

Total invested

 94,431.1 / 10.18 131,164.1 / 16.55 121,461.4 / 19.21 167,142.4 / 20.79

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 2,513.8
  • -
  • 1,558.0
  • 524.5
  • 4,195.8
  • -
  • 6,013.3
  • 2,824.7

Total cashed

2,513.8

2,082.5

4,195.8

8,838.0

Year 2021 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

730,289.7

753,650.0

781,069.2

807,020.1
  • Treasury Bills
  • Government Bonds
  • 458,799.4
  • 271,490.3
  • 487,659.7
  • 265,990.3
  • 520,578.9
  • 260,490.3
  • 550,433.4
  • 256,586.7

2. Current account in MDL at the National Bank of Moldova:

0.0

0.0

0.0

0.0

TOTAL ASSETS (1+2)

730,289.7

753,650.0

781,069.2

807,020.1

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 144,063.2 / 4.89
  • 32,300.0 / 5.35
  • 183,227.4 / 5.05
  • 24,550.0 / 5.40
  • 208,712.0 / 5.17
  • 24,500.0 / 5.43
  • 197,970.3 / 7.73
  • -

Total invested

 176,363.2 / 4.97 207,777.4 / 5.09 233,212.0 / 5.19 197,970.3 / 7.73

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 3,674.7
  • 4,781.3
  • 4,719.9
  • 3,076.0
  • 6,569.7
  • 4,539.9
  • 6,599.2
  • 2,861.1

Total cashed

8,456.0

7,795.9

11,109.6

9,460.3

Year 2021 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

54,574.6

93,661.9

132,318.1

155,603.3
  • Treasury Bills
  • Government Bonds
  • 36,974.6
  • 17,600.0
  • 76,061.9
  • 17,600.0
  • 114,718.1
  • 17,600.0
  • 138,003.3
  • 17,600.0

2. Current account in MDL at the National Bank of Moldova:

31,374.1

25,869.5

21,054.0

31,208.0

TOTAL ASSETS (1+2)

85,948.7

119,531.4

153,372.1

186,811.3

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 36,974.6 / 3.34
  • -
  • 76,061.9 / 3.33
  • -
  • 162,509.7 / 4.56
  • -
  • 42,129.4 / 6.36
  • -

Total invested

36,974.6 / 3.34

 76,061.9 / 3.33 162,509.7 / 4.56 42,129.4 / 6.36

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 161.8
  • -
  • 301.6
  • 457.3
  • 1,016.9
  • -
  • 155.8
  • 459.6

Total cashed

161.8

758.9

1,016.9

615.4

YE 2020 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

627,877.1

649,263.4

676,478.8

705,078.3
  • Treasury Bills
  • Government Bonds
  • 413,268.1
  • 214,609.0
  • 420,754.4
  • 228,509.0
  • 412,819.8
  • 263,659.0
  • 433,296.5
  • 271,781.8

2. Current account in MDL at the National Bank of Moldova:

0.0

0.0

0.0

0.0

TOTAL ASSETS (1+2)

627,877.1

649,263.4

676,478.8

705,078.3

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • 214,387.7 / 5.49
  • 47,675.0 / 6.14
  • 127,162.4 / 4.96
  • 16,150.0 / 5.85
  • 176,542.2 / 5.01
  • 35,150.0 / 5.71
  • 208,033.0 / 5.04
  • 34,720.0 / 5.47

Total invested

 262,062.7 / 5.61 143,312.4 / 5.06 211,692.2 / 5.13 242,753.0 / 5.10

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • 10,151.4
  • 2,873.9
  • 4,604.9
  • 2,658.8
  • 6,910.1
  • 4,093.9
  • 8,517.6
  • 2,980.3

Total cashed

13,025.3

7,263.7

11,004.0

11,497.9

YE 2020 | Quarter

I

II

III

IV

INSTRUMENT

PORTFOLIO STRUCTURE, thousand lei

1. Government Securities issued by the Ministry of Finance:

-

-

17,600.8

37,058.6
  • Treasury Bills
  • Government Bonds
  • -
  • -
  • -
  • -
  • 17,600.8
  • -
  • 19,458.6
  • 17,600.0

2. Current account in MDL at the National Bank of Moldova:

-

-

0.3

15,904.5

TOTAL ASSETS (1+2)

-

-

17,601.1

52,963.1

CONDUCTING INVESTMENT ACTIVITY

Investments made:

Volume invested, thousand lei / Return, %
  • Treasury Bills
  • Government Bonds
  • -
  • -
  • -
  • -
  • 17,600.8 / 3.64
  • -
  • 19,458.6 / 3.34
  • 17,600.0 / 5.24

Total invested

 - - 17,600.8 / 3.64 37,058.6 / 4.24

Investment income:

Collected income, thousand lei
  • Treasury Bills
  • Government Bonds
  • -
  • -
  • -
  • -
  • -
  • -
  • 159.8
  • -

Total cashed

-

-

-

159.8

Annual reports

2024

Activity report
Financial status
Independent auditor's report

2023

Activity report
Financial status
Independent auditor's report

2022

Activity report

2021

Activity report

2020

Activity report

2019

Activity report

2018

Activity report

Annual reports

2024

Activity report
Financial status
Independent auditor's report

2023

Activity report
Financial status
Independent auditor's report

2022

Activity report

2021

Activity report

2020

Activity report

2019

Activity report

2018

Activity report

Annual reports

Period 2023 – 2017

2024

Activity report
Financial status
Independent auditor's report

2023

Activity report
Financial status
Independent auditor's report

2022

Activity report

2021

Activity report

2020

Activity report

2019

Activity report

2018

Activity report

2017

Activity report