International Association of Deposit Insurers adopts 2025 Core Principles for Deposit Insurance Systems

The International Association of Deposit Insurers released the 2025 Core Principles, setting the international standard for designing, implementing, and assessing deposit insurance systems to safeguard depositors and promote financial stability. This revision reflects structural changes in the financial sector, lessons from the 2023 banking turmoil, and the increased role of deposit insurers in bank resolution processes. The principles emphasize outcome-focused and adaptable frameworks, requiring coordination with supervisors and resolution authorities while mitigating moral hazard through strong supervision and governance.