El contenido de esta página requiere una versión más reciente de Adobe Flash Player.

Obtener Adobe Flash Player



              About Us
     Home | Background | Mission | Coverage | Management | Resources | Presentation | Instruments Backed | Operation | New Functions


The following are the resources of the FSD:

  • The initial contribution made by the BCR·
  • The premiums paid by its members.
  • Income from the fines imposed by the SBS and the BCR.
  • The deposits, securities and other assets held for ten years in any entity of the financial system that have shown no activity.
  • The money, securities and other assets deposited in the Banco de la Nacion by entities in liquidation, in the form of profits resulting from a liquidation and that were not claimed within a five-year period.
  • The yield of its assets.
  • The credit lines of the Public Treasury approved by Emergency Decree.
  • Credit lines obtained with the guarantee of the Public Treasury approved by Emergency Decree.
  • Other FSD resources obtained with the approval of the Administrative Council.

These resources are invested according to the investment policy decided on by the Administrative Council. The criteria for investing the resources taking into account security, liquidity, yield and diversification.

The General Law of the Financial and Insurance Systems and Organic Law of the Superintendence (General Law) not allow the FSD from making deposits or investments in entities of the domestic financial system. Likewise not allow the purchasing machinery, equipment or furniture.

The main source of income for the FSD is from the premiums that its members pay within the first ten working days after the end of each quarter.

The quarterly premiums that an organization pays to the FSD are determined by the classification assigned to each by a rating agency by the amount of deposits covered. For each risk category there is an annual premium rate that varies from 0.45% to 1.45%.

The correlation of rate to category for risk classification follows:

Risk Category
Annual Premium Rate
Quarterly Premium Rate
0.45% 0.1125%
0.60% 0.1500%
0.95% 0.2375%
1.25% 0.3125%
1.45% 0.3625%

The Premium is calculated by multiplying the quarterly rate that corresponds to each entity by the quarterly average of the deposits and interests covered by the FSD. Payment of premiums is made in the same currency of the deposit that is covered.

In the case that the risk classifier assigns distinct categories to the entities, the category considered for determining the rate of the premium will be the highest risk category assigned.

To verify payment, the members of the FSD should send information regarding deposits and investments covered by the insurance to the SBS and the FSD simultaneously, as prescribed in SBS Resolution No. 0657-99.