Member States shall ensure that deposit guarantee schemes (DGSs) use available financial means primarily to secure repayments to depositors in accordance with Article 8.2 and to finance the resolution of credit institutions in accordance with Article 109 of Directive 2014/59/EU. Member States may permit DGSs to use those means for preventive measures where the resolution authority has not taken a decision under Article 82(2) of Directive 2014/59/EU and all conditions in Articles 11a and 11b are met. If available means are used for preventive measures, affiliated credit institutions must immediately replenish the DGS, including by extraordinary contributions, where either the need to repay or to intervene in resolution arises and the DGS’s available means are below two‑thirds of the target level, or the available means fall below 25% of the target level.

Where a credit institution is wound up under Article 32b of Directive 2014/59/EU to exit the market or end banking activity, Member States may allow DGSs to use available means for alternative measures preserving depositor access, including transfers of assets and liabilities and deposit‑book transfers, provided the conditions in Article 11d are met. By 11 May 2030 the Commission, after consulting the EBA, must report to the European Parliament and the Council on implementation and impact of the measures in paragraphs 3 and 5, including an evaluation of transposition and obstacles, an assessment of effectiveness and contribution to the Directive’s objectives, and an analysis of whether the measures should be available to DGSs in all Member States; the report shall be accompanied by a legislative proposal where appropriate.