direct ec european parliament council deposit guarante scheme european parliament council european union regard treati establish european commun sentenc articl thereof regard propos commiss regard opinion econom social committe act accord procedur refer articl treati accord object treati harmoni develop activ credit institut commun promot elimin restrict establish freedom provid servic increas stabil bank system protect saver restrict activ credit institut elimin consider situat aris deposit credit institut branch member state unavail indispens ensur harmon minimum level deposit protect deposit locat commun deposit protect essenti prudenti rule complet singl bank market event closur insolv credit institut depositor branch situat member state credit institut head offic protect guarante scheme institut depositor cost credit institut particip guarante scheme bear relat cost result massiv withdraw bank deposit credit institut difficulti healthi institut loss depositor confid sound bank system action member state respons commiss recommend eec decemb introduct deposit guarante scheme commun fulli achiev desir result situat prove prejudici proper function intern market council direct eec decemb coordin law regul administr provis relat take pursuit busi credit institut amend direct eec system singl author credit institut supervis author home member state enter forc januari branch longer requir author host member state singl author valid commun solvenc monitor compet author home member state situat justifi cover branch credit institut set commun mean singl guarante scheme scheme exist categori institut state institut head offic situat link exist supervis branch solvenc membership deposit guarante scheme harmon confin main element deposit guarante scheme short period ensur payment guarante calcul basi harmon minimum level deposit guarante scheme interven deposit unavail exclud cover deposit made credit institut behalf account prejudic guarante scheme measur rescu credit institut find difficulti harmon deposit guarante scheme commun call question exist system oper design protect credit institut ensur solvenc liquid deposit credit institut includ branch establish member state unavail altern system serv protect purpos subject condit deem compet author satisfi object direct compet author verifi complianc condit member state deposit protect scheme respons profession organ member state scheme set regul statutori basi scheme set contractu basi partli regul statut varieti statu pose problem regard compulsori membership exclus scheme step limit power scheme area retent commun scheme provid cover deposit higher harmon minimum territori lead dispar compens unequ condit competit nation institut branch institut member state order counteract disadvantag branch author join host countri scheme offer depositor guarante offer scheme countri locat number year commiss report extent branch made option difficulti guarante scheme encount implement provis rule home member state scheme offer complementari cover subject condit scheme lai market disturb caus branch credit institut offer level cover higher offer credit institut author host member state level scope cover offer guarante scheme instrument competit initi period stipul level scope cover offer home member state scheme depositor branch locat member state exce maximum level scope offer scheme host member state market disturb review number year basi experi acquir light develop bank sector principl direct requir credit institut join deposit guarante scheme direct govern admiss credit institut head offic member countri council direct eec decemb coordin law regul administr provis relat take pursuit busi credit institut member state decid subject condit permit branch credit institut oper territori branch enjoi freedom provid servic paragraph articl treati establish member state establish member state admit branch decid appli principl direct branch accord articl direct eec protect depositor maintain integr financi system essenti depositor branch fulli awar guarante arrang affect hand minimum guarante level prescrib direct leav great proport deposit protect interest consum protect stabil financi system hand impos commun level protect case effect encourag unsound manag credit institut cost fund scheme account reason set harmon minimum guarante level ecu limit transit arrang enabl scheme compli figur member state offer depositor cover deposit higher harmon minimum guarante level provid direct requir scheme introduc recent pursuant recommend eec amend point member state exclud categori specif list deposit depositor special protect guarante afford deposit guarante scheme member state order encourag depositor carefulli qualiti credit institut unavail deposit fulli reimburs practic limit respect deposit fall minimum harmon level principl harmon minimum limit depositor deposit retain consider deposit made depositor mention holder account sole holder limit appli identifi depositor appli collect invest undertak subject special protect rule appli aforement deposit inform essenti element depositor protect subject minimum number bind provis unregul advertis refer amount scope deposit guarante scheme affect stabil bank system depositor confid member state lai rule limit refer specif case member state deposit guarante scheme class credit institut extrem small proport deposit introduct system case longer time laid transposit direct case transit derog requir belong deposit guarante scheme justifi credit institut oper abroad member state entitl requir particip deposit guarante scheme set indispens direct harmon method financ scheme guarante deposit credit institut hand cost financ scheme born principl credit institut hand financ capac scheme proport liabil jeopard stabil bank system member state concern direct result member state compet author made liabl respect depositor ensur scheme guarante deposit credit institut ensur compens protect depositor condit prescrib direct introduc offici recogn deposit protect essenti element complet intern market indispens supplement system supervis credit institut account solidar creat institut financi market event failur adopt direct articl purpos direct deposit credit balanc result fund left account temporari situat deriv normal bank transact credit institut repai legal contractu condit applic debt evidenc certif issu credit institut share unit kingdom irish build societi capit natur cover articl treat deposit bond satisfi condit prescrib articl council direct eec decemb coordin law regul administr provis relat undertak collect invest transfer secur ucit consid deposit purpos calcul credit balanc member state appli rule regul relat set counterclaim legal contractu condit applic deposit joint account account open name person person right oper signatur person unavail deposit deposit due payabl paid credit institut legal contractu condit applic thereto relev compet author determin view credit institut concern appear unabl time reason directli relat financi circumst repai deposit current prospect compet author make determin latest dai satisfi credit institut fail repai deposit due payabl ii judici author made rule reason directli relat credit institut financi circumst effect suspend depositor abil make claim occur aforement determin made credit institut undertak busi receiv deposit repay fund public grant credit account branch place busi form legal depend part credit institut conduct directli oper inher busi credit institut number branch set member state credit institut head offic member state regard singl branch articl exclud repay guarante scheme subject articl deposit made credit institut behalf account instrument fall definit fund articl council direct eec april fund credit institut deposit aris transact connect crimin convict monei launder defin articl council direct eec june prevent financi system purpos monei launder articl member state ensur territori deposit guarante scheme introduc offici recogn circumst envisag subparagraph paragraph credit institut author member state pursuant articl direct eec deposit member scheme member state exempt credit institut oblig belong deposit guarante scheme credit institut belong system protect credit institut ensur liquid solvenc guarante protect depositor equival provid deposit guarante scheme opinion compet author fulfil condit system exist offici recogn direct adopt system design prevent deposit credit institut belong system unavail resourc purpos dispos system consist guarante grant credit institut member state local region author system ensur depositor inform accord term condit laid articl member state make option inform commiss notifi commiss characterist protect system credit institut cover subsequ inform suppli commiss inform bank advisori committe thereof credit institut compli oblig incumb member deposit guarante scheme compet author issu author notifi collabor guarante scheme measur includ imposit sanction ensur credit institut compli oblig measur fail secur complianc part credit institut scheme nation law permit exclus member express consent compet author give month notic intent exclud credit institut membership scheme deposit made expiri notic period continu fulli cover scheme expiri notic period credit institut compli oblig guarante scheme obtain express consent compet author proce exclus nation law permit express consent compet author issu author credit institut exclud deposit guarante scheme continu deposit exclus made altern guarante arrang ensur depositor enjoi level scope protect equival offer offici recogn scheme credit institut exclus propos paragraph unabl make altern arrang compli condit prescrib paragraph compet author issu author revok forthwith articl deposit guarante scheme introduc offici recogn member state accord articl cover depositor branch set credit institut member state decemb level scope includ percentag cover provid exce maximum level scope cover offer guarante scheme territori host member state date commiss draw report basi experi acquir appli subparagraph continu arrang commiss submit propos direct european parliament council view extens valid level scope includ percentag cover offer host member state guarante scheme exce level scope cover provid member state credit institut author host member state ensur offici recogn deposit guarante scheme territori branch join voluntarili order supplement guarante depositor enjoi virtu membership home member state scheme scheme join branch cover categori institut belong close correspond host member state member state ensur object gener appli condit establish branch membership host member state scheme accord paragraph admiss condit fulfil relev oblig membership includ payment contribut charg member state follow guid principl set annex ii implement paragraph branch grant voluntari membership paragraph compli oblig incumb member deposit guarante scheme compet author issu author notifi collabor guarante scheme measur ensur aforement oblig compli measur fail secur branch complianc aforement oblig period notic month guarante scheme consent compet author issu author exclud branch deposit made date exclus continu cover voluntari scheme date fall due depositor inform withdraw supplementari cover commiss report oper paragraph decemb propos amend thereto articl deposit held author credit institut author pursuant articl direct eec withdrawn continu cover guarante scheme articl member state check branch establish credit institut head offic outwith commun cover equival prescrib direct fail member state subject articl direct eec stipul branch establish credit institut head offic outwith commun join deposit guarante scheme oper territori actual intend depositor branch establish credit institut head offic outwith commun provid credit institut relev inform guarante arrang cover deposit inform refer paragraph made offici languag languag member state branch establish manner prescrib nation law draft clear comprehens form articl deposit guarante scheme stipul aggreg deposit depositor cover ecu event deposit unavail decemb member state direct adopt deposit cover ecu retain maximum amount laid guarante scheme provid amount ecu member state provid depositor deposit exclud guarante grant lower level guarante exclus list annex articl preclud retent adopt provis offer higher comprehens cover deposit deposit guarante scheme social consider cover kind deposit full member state limit guarante provid paragraph refer paragraph percentag deposit percentag guarante equal exce aggreg deposit amount paid guarante reach amount refer paragraph amount refer paragraph review period commiss year commiss submit european parliament council propos direct adjust amount refer paragraph take account develop bank sector econom monetari situat commun review place year end period refer articl subparagraph member state ensur depositor right compens subject action depositor deposit guarante scheme articl limit refer articl appli aggreg deposit credit institut irrespect number deposit currenc locat commun share depositor joint account account calcul limit provid articl absenc special provis account divid equal depositor member state provid deposit account person entitl member busi partnership associ group similar natur legal person aggreg treat made singl depositor purpos calcul limit provid articl depositor absolut entitl sum held account person absolut entitl cover guarante provid person identifi identifi date compet author make determin articl judici author make rule articl ii person absolut entitl share arrang subject sum manag account limit provid articl calcul provis appli collect invest undertak articl member state ensur credit institut make actual intend depositor inform identif deposit guarante scheme institut branch member commun altern arrang provid articl subparagraph articl depositor inform provis deposit guarante scheme altern arrang applic includ amount scope cover offer guarante scheme inform made readili comprehens manner inform request condit compens formal complet obtain compens inform provid paragraph made manner prescrib nation law offici languag languag member state branch establish member state establish rule limit advertis inform refer paragraph order prevent affect stabil bank system depositor confid member state restrict advertis factual refer scheme credit institut belong articl deposit guarante scheme posit pai duli verifi claim depositor respect unavail deposit month date compet author make determin articl judici author make rule articl ii wholli except circumst special case guarante scheme appli compet author extens time limit extens exce month compet author request guarante scheme grant extens exce month time limit laid paragraph invok guarante scheme order deni benefit guarante depositor unabl assert claim payment guarante time document relat condit fulfil formal complet elig payment guarante refer paragraph drawn detail manner prescrib nation law offici languag languag member state guarante deposit locat notwithstand time limit laid paragraph depositor person entitl interest sum held account charg offenc aris relat monei launder defin articl direct eec guarante scheme suspend payment pend judgment court articl prejudic right nation law scheme make payment guarante subrog right depositor liquid proceed amount equal payment articl notwithstand articl institut author spain greec list annex iii exempt requir belong deposit guarante scheme decemb credit institut expressli alert actual intend depositor fact member deposit guarante scheme time credit institut establish establish branch member state member state requir branch belong deposit guarante scheme set territori condit conson prescrib articl articl list author credit institut requir draw pursuant articl direct eec commiss statu credit institut regard direct articl member state bring forc law regul administr provis compli direct juli forthwith inform commiss thereof member state adopt measur refer direct accompani refer occas offici public method make refer laid member state member state commun commiss text main provis nation law adopt field govern direct articl direct enter forc dai public offici journal european commun articl direct address member state brussel european parliament presid klepsch council presid romeo oj oj oj oj decis european parliament march oj oj oj direct amend direct eec oj oj direct amend direct eec oj oj direct amend direct eec oj oj direct amend direct eec oj oj annex list exclus refer articl deposit financi institut defin articl direct eec deposit insur undertak deposit govern central administr author deposit provinci region local municip author deposit collect invest undertak deposit pension retir fund deposit credit institut director manag member person liabl holder credit institut capit person respons carri statutori audit credit institut account document depositor similar statu compani group deposit close rel parti act behalf depositor refer deposit compani group nomin deposit deposit depositor individu basi obtain credit institut rate financi concess help aggrav financi situat debt secur issu institut liabil aris accept promissori note deposit currenc member state ecu deposit compani size permit draw abridg balanc sheet pursuant articl fourth council direct eec juli base articl treati annual account type compani oj direct amend direct eec oj annex ii guid principl branch appli join host member state scheme supplementari cover host member state scheme bilater establish home member state scheme rule procedur pai compens depositor branch principl appli draw procedur frame membership condit applic branch refer articl host member state scheme retain full right impos object gener appli rule particip credit institut requir provis relev inform verifi inform home member state compet author host member state scheme meet claim supplementari compens declar home member state compet author deposit unavail host member state scheme retain full right verifi depositor entitl standard procedur pai supplementari compens home member state host member state scheme cooper fulli ensur depositor receiv compens promptli correct amount agre exist counterclaim give rise set scheme affect compens paid depositor scheme host member state scheme entitl charg branch supplementari cover basi take account guarante fund home member state scheme facilit charg host member state scheme entitl assum liabil circumst limit excess guarante offer guarante offer home member state home member state pai compens respect deposit held host member state territori annex iii list credit institut mention articl special class spanish institut legal statu undergo reform author entidad de financiación factor sociedad de arrendamiento financiero sociedad de crédito hipotecario spanish state institut banco de crédito agrícola sa banco hipotecario de españa sa banco de crédito local sa greek credit cooper lamia credit cooper ioannina credit cooper xylocastron credit cooper credit cooper similar natur list author process author date adopt direct chania credit cooper iraklion credit cooper magnissia credit cooper larissa credit cooper patra credit cooper thessaloniki credit cooper