Efekty i źródła finansowania systemu gwarantowania depozytów w Polsce w latach 1995-2023
Effects and Sources of Funding of the Deposit Guarantee Scheme in Poland in the Years 1995-2023

Summary/Abstract: The aim of the article is to discuss the effects of the functioning of the deposit guarantee system in Poland in the years 1995-2023 and to identify the sources of its financing during this period. The research was conducted using the desk research method, based on secondary data from documents and reports of the Bank Guarantee Fund (BFG), academic publications, and legal acts regulating the deposit guarantee system in Poland. The article assesses both the effectiveness of the system through the analysis of the number of depositors covered by guarantees and the value of payouts and the structure of financing sources, taking into account legislative changes after 2016. The results indicate the significant role of the deposit guarantee system in ensuring the stability of the financial sector, particularly during periods of increased payout activity due to the insolvency of financial institutions.

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