Page 21
P. 21
21
Annual report of the Bank Guarantee Fund
2020
4.5 Expiry of depositor claims
According to Article 24(8) of the BFG Act, in connection with the expiry of the 5-year period in 2020 from the day
of the fulfilment of the guarantee condition, the claims of the depositors of SBRiR w Wołominie expired as of the end
of 2020. Based on Article 123 § 1(2) of the Civil Code, for some of the depositors of this Bank it was considered that the
correspondence exchanged with them constituted recognition of their claim by the Fund, and resulted in the limitation
period being interrupted. The reimbursements of covered deposits due to these depositors will continue in accordance with
the individual limitation periods for their claims.
The guarantee claims of those depositors of SKOK Wspólnota and SKOK w Wołominie for whom their individual limitation
period expired on 31 December 2020 (for the majority depositors of SKOK Wspólnota and SKOK w Wołominie, the claims
became time-barred at the end of 2019).
The financial consequences of the expiry of claims of depositors of SBRIR w Wołominie, SKOK Wspólnota and SKOK
w Wołominie as of 31 December 2020 will be seen in 2021. The amounts of the expired claims will be reclassified to the
Fund’s other operating revenues.
4.6 Guarantee activities in 1995–2020
Since the beginning of the Fund’s activity, the guarantee condition has been fulfilled with respect to 99 banks (including
5 commercial banks and 94 cooperative banks) and 11 credit unions.
Year
Commercial
banks
Cooperative
banks
Cooperative credit and savings
unions
1995*
2
48
Guarantees for credit unions
became effective
as of 29 November 2013
1996
1
30
1997
-
6
1998
-
4
1999
1
-
2000
1
-
2001
-
1
2002 – 2013
-
-
-
2014
-
-
2
2015
-
1
-
2016
-
1
5
2017
-
-
4
2018
-
-
-
2019
-
1
-
2020
-
2
-
Razem
5
94
11
Table 6.
Fulfilment of the guarantee condition in 1995–2020
*
From 17 February 1995, i.e. the effective date of the Act of 14 December 1994 on the Bank Guarantee Fund.
Contents
Annual report of the Bank Guarantee Fund
2020
4.5 Expiry of depositor claims
According to Article 24(8) of the BFG Act, in connection with the expiry of the 5-year period in 2020 from the day
of the fulfilment of the guarantee condition, the claims of the depositors of SBRiR w Wołominie expired as of the end
of 2020. Based on Article 123 § 1(2) of the Civil Code, for some of the depositors of this Bank it was considered that the
correspondence exchanged with them constituted recognition of their claim by the Fund, and resulted in the limitation
period being interrupted. The reimbursements of covered deposits due to these depositors will continue in accordance with
the individual limitation periods for their claims.
The guarantee claims of those depositors of SKOK Wspólnota and SKOK w Wołominie for whom their individual limitation
period expired on 31 December 2020 (for the majority depositors of SKOK Wspólnota and SKOK w Wołominie, the claims
became time-barred at the end of 2019).
The financial consequences of the expiry of claims of depositors of SBRIR w Wołominie, SKOK Wspólnota and SKOK
w Wołominie as of 31 December 2020 will be seen in 2021. The amounts of the expired claims will be reclassified to the
Fund’s other operating revenues.
4.6 Guarantee activities in 1995–2020
Since the beginning of the Fund’s activity, the guarantee condition has been fulfilled with respect to 99 banks (including
5 commercial banks and 94 cooperative banks) and 11 credit unions.
Year
Commercial
banks
Cooperative
banks
Cooperative credit and savings
unions
1995*
2
48
Guarantees for credit unions
became effective
as of 29 November 2013
1996
1
30
1997
-
6
1998
-
4
1999
1
-
2000
1
-
2001
-
1
2002 – 2013
-
-
-
2014
-
-
2
2015
-
1
-
2016
-
1
5
2017
-
-
4
2018
-
-
-
2019
-
1
-
2020
-
2
-
Razem
5
94
11
Table 6.
Fulfilment of the guarantee condition in 1995–2020
*
From 17 February 1995, i.e. the effective date of the Act of 14 December 1994 on the Bank Guarantee Fund.
Contents
