Notas
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Hearing at the Budget, Finance and Public Administration Committee
Parliamentary hearing on Bill 264/XII on the transposition of the Directive on Recovery and Resolution of Credit Institutions and the recent amendment to the Directive on Deposit Guarantee Schemes. +
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Safe deposits
The Portuguese banking system is not in the same situation as Cyprus, because the Portuguese banks are in good shape, properly capitalised with high solvency and comfortable liquidity. This means that deposits in Portugal are perfectly safe. +
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APB President's comments on the crisis in Cyprus's banking sector
A problem with deposits can only occur if a bank is being liquidated or wound up (i.e. if its situation is systemic and it requires organised assistance). This is not the case in Portugal. +
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Why have loans to companies gone down?
There are three types of constraint that have resulted in the reduction in loans: the need to deleverage the banks, the economic recession and the weakness of many companies' balance sheets. +
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Renegotiation of defaulted mortgages
Following the measures taken to settle relatively similar cases that arose in the last quarter of 2008 and to deal with private customers' difficulties in paying their monthly mortgage instalments after their household's income was seriously reduced due to unemployment, for example, the banks adopted a wide range of temporary solutions to handle these situations. +