Business reports
Annual report 2025
Introduction
Review
For esisuisse, the 2025 financial year (01.01.2025 to 31.12.2025) was characterised by major developments in depositor protection and close collaboration with our partners. The focus was on the following topics:
- Supporting members with the implementation of the revised Banking Act (BankA) and the Banking Ordinance (BankO); in particular, by publishing the specifications for the list of depositors.
- Expert work in connection with the «Parameters for amendments to the Banking Act» published by the Federal Council.
- Refinement of our operational processes in order to further reinforce our readiness in the event of a crisis.
esisuisse thereby once again made a significant contribution to Switzerland’s stability as a financial centre and to effective depositor protection in 2025.
Main focus in 2025
The list of depositors is used by the liquidator to determine the amount of protected deposits and to contact depositors. This is intended to speed up the process of paying out protected deposits in the event of bankruptcy. The list of depositors is standardised and esisuisse is legally mandated to prescribe the format in question. Our valuable collaboration with official bodies, our members and various IT providers enabled the technical specifications for the list of depositors to be finalised and published.
We would like to take this opportunity to thank all contributors for their commitment to this common cause.
esisuisse has created tools for members to facilitate implementation.
In June 2025, the Federal Council published a package of measures aimed at strengthening Switzerland as a financial centre and reducing the risks faced by the state, taxpayers and the economy. Drawing on the evaluation of the «too big to fail» regulation, the report on banking stability and the report by the Parliamentary Investigation Committee, measures were fleshed out and benchmarks were determined for future legislative and ordinance amendments.
esisuisse was consulted as an expert organisation for the Federal Council’s parameters for amendments to the Banking Act in order to contribute its expertise to the further development of Switzerland’s deposit insurance scheme.
esisuisse’s core task is to make operational preparations for bankruptcy, known as a «deposit insurance call» or «case».
These processes were revised and optimised during the reporting year.
IADI and EFDI
esisuisse plays an active role in both the International Association of Deposit Insurers (IADI) and the European Forum of Deposit Insurers (EFDI). The aim of this international commitment is to further increase understanding of Swiss deposit insurance and to create acceptance. These activities are of key importance in anticipating future regulatory trends and being able to influence them.
In 2025, esisuisse actively contributed to the revision of the Core Principles of the global association IADI, which were adopted in 2025 and are recognised internationally as the standard for effective deposit insurance schemes.