Aviso n.º 2/99, de 26 de Janeiro de 1999
Aviso do Banco de Portugal n.º 2/99 Considerando o crescimento do crédito a particulares para finalidades de consumo, com principal incidência ao longo do último exercício; Considerando que a relação risco/rentabilidade associada ao crédito ao consumo aconselha a que a provisão para riscos gerais de crédito seja aumentada; Considerando que se justifica conceder às instituições abrangidas um período de adaptação ao novo nível de provisão até ao final de 1999; Considerando que, na data actual, o regime transitório previsto no n.º 20.º do aviso n.º 3/95 já não é aplicável e que o regime previsto no n.º 21.º do mesmo aviso tem uma aplicação meramente residual, não se justificando, por isso, a sua manutenção em vigor: O Banco de Portugal, no uso da competência que lhe é conferida pela alínea e) do artigo 99.º do Regime Geral das Instituições de Crédito e Sociedades Financeiras, estabelece o seguinte: 1.º Os n.ºs 3.º e 7.º do aviso n.º 3/95, publicado no Diário da República , 2.' série, de 30 de Junho de 1995, passam a ter a seguinte redacção: '3.º - 1 - .............................................................................................................
2 - ......................................................................................................................
3 - ......................................................................................................................
4 - Sem prejuízo do disposto no n.º 2 do n.º 5.º e no n.º 4(A) seguinte, as provisões para crédito vencido devem representar, pelo menos, as seguintes percentagens dos respectivos créditos, considerando as classes de risco indicadas no n.º 2 deste número e a existência ou não de garantia, real ou pessoal, avaliada nos termos do n.º 6: Classes de risco (Ver quadro no documento original) 4(A) - Para efeitos da constituição de provisões para crédito ao consumo vencido integrável na classe I, a percentagem aplicável deve ser de 1,5 %.
4(B) - Para efeitos do presente aviso, consideram-se como crédito ao consumo as operações de crédito destinado a...
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