It is considered that a deposit is unavailable when one of the following situations occurs:

• The credit institution, for reasons directly related to its financial situation, has not made the respective reimbursement under the applicable legal and contractual conditions and Banco de Portugal has verified, within a maximum of five working days of having become aware of that situation for the first time, that the institution does not show that it can repay the deposits at that moment, nor does it intend to do so in the near future; or

• Banco de Portugal has made public the decision to revoke the authorisation of the depository institution, if such publication occurs prior to the verification referred to in the previous point.