Under Directive 94/19/EC of the European Parliament and of the Council [9], which was applicable at the time when the FITD intervention in relation to Tercas took place, no credit institution may take deposits unless it is a member of an officially recognised deposit guarantee scheme [10].
L'article 96 du TUB établit ce qui suit: «Les banques italiennes adhèrent à l'un des systèmes de garantie des déposants créés et reconnus en Italie.