Judgment_paragraph 83 · Agnieška Anisimovienė and Others v bankas „Snoras“ AB, in liquidation and Others (C-688/15, C-109/16)

83In accordance with the second recital of Directive 94/19, the deposit-guarantee schemes provided for by that directive have the aim of protecting individuals against deposits in a credit institution becoming unavailable. In providing for such deposit-guarantee schemes, Directive 94/19 is intended, as its first and fourth recitals indicate, both to protect depositors and to ensure the stability of the banking system, by preventing massive withdrawal of deposits not only from a credit institution in difficulties but also from healthy institutions following a loss of public confidence in the soundness of the banking system.