European Union – Finance. Claims such as those at issue in the main actions fell within the deposit-guarantee schemes provided for by Directive (EC) 94/19, since they related to a 'credit balance which results from a temporary situation deriving from normal banking transactions', within the meaning of art 1(1) of that directive. The Court of Justice so held, among other things, in proceedings concerning the compensation that the applicants sought in respect of funds transferred to the respondent credit institution in Lithuania for subscribing to future shares and bonds which that credit institution had proposed to issue but which, because of its insolvency, had not been issued.