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Piotr Trescher
ORCID: 0009-0001-7972-9827

Attorney-at-law at the Poznań Bar Association of Attorneys- at-Law. He manages the Legal Services and Administration Department at IPS-SGB, where his responsibilities include providing legal support in the area of banks’ compliance with legal regulations, coordinating legal audit processes, and monitoring compliance management risk across the entire SGB Institutional Protection Scheme. He has been involved in banking for 20 years, both in sales and legal areas. Speaker at numerous training courses and author of press publications on the legal aspects of banking operations. Participant in legislative processes related to the implementation in Poland of the CRR Regulation, CRD Directive, DGS and BRR Directives, as well as consultations on supervisory regulations. Expert in the Banking Regulation Working Group and the Resolution, Recovery and Deposit Protection Working Group at the EACB in Brussels. Since 2024, Arbitrator of the Court of Arbitration at the Polish Financial Supervision Authority.

 
DOI: 10.33226/0137-5490.2026.5.2
JEL: K23, G21

The subject of this study is an analysis of the resolution (compulsory restructuring) support mechanism in the institutional protection scheme (IPS). One of the objectives of the institutional protection scheme, apart from ensuring the liquidity and solvency of its participants, is to support resolution proceedings. The study presents the rules for creating the resolution support mechanism, as well as the rules for providing support to an entity taking over a cooperative bank. The study aims to prove that the recovery and resolution support mechanism promotes the security of the activities carried out by banks forming the institutional protection scheme. The objective of recovery and resolution – expressed as taking the necessary measures to ensure the security of deposits held by participants in the protection scheme – is pursued by the Bank Guarantee Fund and supported by the protection scheme management entity. Full protection of deposits held in cooperative banks is therefore possible thanks to the cooperation between the resolution authority and the entity managing the protection scheme.

Keywords: cooperative banks; institutional protection system (IPS); solidarity affiliations of cooperative bank; recovery and resolution of banks; banking law