Facts and figures
Protected deposits
Deposits are credit balances that customers hold in bank accounts or at securities firms. They are covered by the deposit insurance scheme up to CHF 100 000 per customer and per bank.
As at 31.12.2025, the banks and securities firms reported approximately CHF 506.3 billion in protected deposits. The protected deposits are distributed among the institutions as follows:
Definitions
| Term | Description |
|---|---|
| Maximum contribution obligation | Contribution obligation of the member to esisuisse (1.6% of the protected deposits held by the member). |
| Collateral | At least 50% of the maximum payment obligation must be secured in favour of esisuisse. The following models are available: loan, securities (TCM) or SNB collateral account models. |
| Contribution in the event of a deposit insurance call | Contribution by the member to esisuisse in the event of bankruptcy of another member. esisuisse repays this contribution to the member, depending on the amount reimbursed to esisuisse from the bankruptcy estate. |
| Cut-off date | Basis for calculating the maximum contribution liability, the collateral and the annual membership fee in accordance with the statutes and self-regulation. |
| Period | Duration of the member’s commitment |
| Member |
Raiffeisen Switzerland Cooperative represents the entire Raiffeisen Group as one member. The other independent cooperatives of the Raiffeisen Group are not listed individually here. Their figures are included in the consolidated figures of Raiffeisen Switzerland Cooperative. In the case of foreign banks with several authorised branches in Switzerland, one branch represents all other branches. Institutions that have been released from prudential supervision by FINMA are no longer members of esisuisse. However, these institutions may still have obligations towards esisuisse arising from the Statutes or self-regulation during the termination phase. These obligations are taken into account in each case. |
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Historical data
Protected deposits, maximum contribution obligation and collateral
| Cut-off date | Period | Volume of protected deposits | Maximum contribution obligation | Collateral (at least) |
|---|---|---|---|---|
| 31.12.2022 | 01.07.2023 - 30.06.2024 | CHF 504.1 bn | CHF 8.1 bn (CHF 8 065 401 632) |
CHF 4.0 bn (CHF 4 032 700 824) |
| 31.12.2023 |
01.07.2024 - 30.06.2025 | CHF 496.5 bn | CHF 7.9 bn (CHF 7 944 492 746) |
CHF 4.0 bn (CHF 3 972 246 422) |
| 31.12.2024 |
01.07.2025 - 30.06.2026 | CHF 497.4 bn | CHF 8.0 bn (CHF 7 958 182 845) |
CHF 4.0 bn (CHF 3 979 091 473) |
| 31.12.2025 |
01.07.2026 - 30.06.2027 | CHF 506.3 bn | CHF 8.1 bn (CHF 8 100 015 660) |
CHF 4.1 bn (CHF 4 050 007 877) |
Annual membership fee
| Cut-off date | Period | Basis for the annual membership fee |
|---|---|---|
| 31.12.2022 | 01.01.2023 - 31.12.2023 | CHF 6.50 per million in protected deposits held by the member, subject to a minimum of CHF 500 |
| 31.12.2023 | 01.01.2024 - 31.12.2024 | CHF 6.50 per million in protected deposits held by the member, subject to a minimum of CHF 500 |
| 31.12.2024 | 01.01.2025 - 31.12.2025 | CHF 6.50 per million in protected deposits held by the member, subject to a minimum of CHF 500 |
| 31.12.2025 | 01.01.2026 - 31.12.2026 | CHF 6.50 per million in protected deposits held by the member, subject to a minimum of CHF 500 |
Overview of esisuisse members
| Cut-off date | Banks | Securities firms | About to cease operations | Total |
|---|---|---|---|---|
| 31.12.2022 | 238 | 39 | 8 | 285 |
| 31.12.2023 | 235 | 18* | 4 | 257 |
| 31.12.2024 | 232 | 19 | 5 | 256 |
| 31.12.2025 | 225 | 19 | 7 | 251 |
| * Following the revised Banking Act and the revised Banking Ordinance coming into force on 1 January 2023, only securities firms that «account-holding» are now members of esisuisse. | ||||
Deposit Guarantee Scheme: development and cases involving external financing
| Year | Description |
|---|---|
| 1935 | Banking Act enters into force: savings deposits up to CHF 5 000 receive preferential treatment in bankruptcy |
| 1971 | Amendment Banking Act: increase of the privileged amount to CHF 10 000 |
| 1984 | Convention XVIII of the Swiss Bankers Association: External financing of coverage of savings deposits and salary accounts up to CHF 30 000, in addition to preferential treatment in bankruptcy |
|
1991 |
Bankruptcy Spar- und Leihkasse Thun AG, Thun: financing by the Swiss Bankers Association (CHF 79 million, 71% repaid from the bankruptcy estate) |
| 1993 | Amendment Convention XVIII: limitation of banks' contribution obligation to CHF 1 billion |
| 1997 | Amendment Banking Act: increase of the privileged amount to CHF 30 000, extended to salary accounts |
| 2004 | Amendment Banking Act: self-regulation requirement for all banks, protection of all account types, payout period of 3 months, contribution obligation of CHF 4 billion, payout up to CHF 5 000 outside the schedule of claims |
| 2005 | Establishment of Association esisuisse: takeover external financing of coverage from the Swiss Bankers Association |
| 2007 | Bankruptcy Ab Fin SA, Lugano: financing by esisuisse (CHF 0.2 million, 100% repaid from the bankruptcy estate) |
| 2008 |
Bankruptcy Kaupthing Bank Luxembourg S.A., Luxembourg, Geneva Branch, Genève: financing by esisuisse (CHF 28 million, 100% repaid from the bankruptcy estate) Amendment to the Banking Act: increase of the protected amount to CHF 100 000, payout outside the schedule of claims, contribution obligation of CHF 6 billion, coverage under the 125% rule |
| 2009 |
Bankruptcy ACH Securities SA, Genève: financing by esisuisse (CHF 6.7 million, 0% repaid from the bankruptcy estate) Bankruptcy ASTON BANK SA, Lugano: financing by esisuisse (CHF 6.8 million, 98% repaid from the bankruptcy estate) |
| 2011 | Amendment Banking Act: 20-day deadline for the deposit insurance scheme to finance payments through the bankruptcy estate |
| 2015 | esisuisse becomes operationally independent from the Swiss Bankers Association |
| 2023 | Amendment Banking Act: payout period to customers reduced to 7 working days through preparatory measures by banks, contribution obligation of 1.6% of all protected deposits (minimum CHF 6 billion), 50% of the contribution obligation collateralized, new definitions of the terms depositor and deposit |