!"#$%$& '#($$
+,-
Aviso n.º 16/GBM/2013
de 31 de Dezembro
)*+,-./$ -,0,112.*.,$ .,$ 1,$ *034*526*7$ /$ 7,829,$ 1/:7,$
;7/+21<,1$7,845*9,-3*7,1$9=-29*1$,$.,$1,$,13*:,5,0,7$0723>72/1$
.,$05*112?0*@A/$,$;7/+212/-*9,-3/$.,$07>.23/$2-3,7-*02/-*59,-3,$
*0,23,1B$ .,$ 9/./$ *$ 9*-3,7B$ 1/:7,$ *1$ 2-132342@<,1$ .,$ 07>.23/B$
-=+,21$,5,+*./1$.,$0/-37/5/$0/9$+213*$*$8*7*-327$*$14*$8,13A/$1A$,$
;74.,-3,B$/$C*-0/$.,$D/@*9:2E4,B$-/$F9:23/$.*1$0/9;,3G-02*1$
E4,$5H,$1A/$0/-I,72.*1$;,5*$*5=-,*$d)$./$-JK$L$./$*7328/$'"$.*$M,2$
-JK$ NOLB$.,$'$.,$P*-,27/B$,$;,5/$*7328/$QR$.*$M,2$-JK$ SNOOB$.,$ $
.,$T/+,9:7/B$.,3,792-*U
J$V$*;7/+*./$/$W,829,$1/:7,$X7/+21<,1$W,845*9,-3*7,1$
D=-29*1$ ,9$ *-,Y/B$ /$ E4*5$ I*6$ ;*73,$ 2-3,87*-3,$$
./$;7,1,-3,$Z+21/J
LJ$ [$ ;7,1,-3,$ Z+21/$ ,-37*$ ,9$ +28/7$ -/$ .2*$ $ .,$ P*-,27/$$
.,$L! R$7,+/8*-./$/1$*7328/1$OB$ '$,$ R$,$;*702*59,-3,$
/1$*7328/1$LB$'$,$"B$./$Z+21/$-JK$!"N\CDNL!!OB$.,$LQ$
.,$T/+,9:7/J
Z1$ .]+2.*1$ E4,$ 147827,9$ -*$ 2-3,7;7,3*@A/$ ,$ *;520*@A/$$
./$ ;7,1,-3,$ Z+21/$ .,+,7A/$ 1,7$ 14:9,32.*1$ */$ ^,;*73*9,-3/$$
.,$_4;,7+21A/$C*-0`72*$./$C*-0/$.,$D/@*9:2E4,J
[$\/+,7-*./7B$%./0123!4356078!4360J
!"#$!%&'()!%*)'+#,-!,% !"./0$!120)!,%
Mínimas
AWab\[ 1
34(5!62'7
[$ ;7,1,-3,$ Z+21/$ ,13*:,5,0,$ /1$ 0723>72/1$ .,$ 05*112?0*@A/$ ,$
;7/+212/-*9,-3/$.,$07>.23/$*$/:1,7+*7$;,5*1$2-132342@<,1$.,$07>.23/$
14c,23*1$d$14;,7+21A/$./$C*-0/$.,$D/@*9:2E4,J$
AWab\[$L$
%38$(#2'%9!%0:/#60;<'7
J$[$;7,1,-3,$Z+21/$*;520*e1,$*$3/.*1$*1$2-132342@<,1$.,$07>.23/$
14c,23*1$d$14;,7+21A/$./$C*-0/$.,$D/@*9:2E4,J$
LJ$ Z1$ 2-132342@<,1$ 7,I,72.*1$ -/$ -]9,7/$ *-3,72/7$ E4,B$ -/1$
3,79/1$./$*7328/$'$./$Z+21/$-JK$RN\CDNL!!"B$.,$L$.,$D*2/B$-A/$
*;7,1,-3*7,9$*1$14*1$.,9/-137*@<,1$?-*-0,27*1$.,$*0/7./$0/9$
*1$T/79*1$b-3,7-*02/-*21$.,$W,5*3/$f2-*-0,27/$&TbWf(B$*;520*7A/$
284*59,-3,$ *1$ .21;/12@<,1$ .,13,$ Z+21/$ 0/9$ *1$ -,0,11`72*1$
*.*;3*@<,1J
AWab\[$'
3=!>1#;-!,7
X*7*$,I,23/1$./$;7,1,-3,$Z+21/B$0/-12.,7*e1,U
a) Crédito com incumprimento (/3/! 90.:3.;7/<! =38/($ g$$
[$07>.23/$+,-02./B$,-E4*.7*./$-*$05*11,$'$,$1,842-3,1B$
./$*7328/$Q$./$;7,1,-3,$Z+21/h
b)$i7>.23/$7,,1374347*./$g$i/-12.,7*e1,$0/9/$7,,1374347*./$
/$07>.23/$7,5*32+*9,-3,$*/$E4*5$3,-H*$H*+2./$*53,7*@<,1$
.*1$7,1;,032+*1$0/-.2@<,1$0/-37*34*21B$E4,$1,$3,-H*9$
37*.462./B$-/9,*.*9,-3,B$-/$*5*78*9,-3/$./$;7*6/$
.,$7,,9:/51/B$-*$2-37/.4@A/$.,$;,7=/./1$.,$0*7G-02*$
/4$ -*$ 0*;23*526*@A/$ .,$ c47/1B$ .,+2./$ *$ .2?045.*.,1$
?-*-0,27*1$ ./$ 9434`72/B$ 2-.,;,-.,-3,9,-3,$ .,$ 3,7$
/4$-A/$,Y2132./$*37*1/$-/$;*8*9,-3/$.*1$;7,13*@<,1$
.,$0*;23*5$/4$c47/1h
!"#$ %!&!'()%$*!!!
c)$ _*5./$ ,9$ .=+2.*$ g$ 0/-c4-3/$ .,$ ;7,13*@<,1$ +,-02.*1$$
,$ +2-0,-.*1$ :,9$ *1129$ /437/1$ ,-0*78/1$ ;7,+213/1$$
-/$0/-37*3/$.,$9]34/$;*7*$1234*@<,1$.,$2-/:1,7+F-02*$
./1$;7*6/1$.,$7,,9:/51/$./$07>.23/J
AWab\[$R
3?#:',%9!%*)'+#,-!,7
Z1$2-132342@<,1$.,$07>.23/$1A/$/:728*.*1$*$0/-1323427$;7/+21<,1$
7,845*9,-3*7,1$9=-29*1B$0/9$*1$1,842-3,1$?-*52.*.,1U
a)$X*7*$07>.23/$+,-02./h
b)$X*7*$7210/1$8,7*21$.,$07>.23/h
c)$X*7*$/;,7*@<,1$,Y37*;*3729/-2*21h$
d) Para crédito concedido em moeda estrangeira a entidades
-A/$,Y;/73*./7*1h
e)$X*7*$9,-/1e+*52*1$.,$3=345/1$,$;*73202;*@<,1$?-*-0,27*1h
f) X*7*$ 9,-/1e+*52*1$ .,$ *032+/1$ 7,0,:2./1$ ,9$ 7,,9:/51/$$
.,$07>.23/$;7j;72/h$,
g)$X*7*$;,-1<,1$.,$*;/1,-3*@A/$,$.,$1/:7,+2+G-02*J$
AWab\[$S
3 !/02'%*).9!16#0/%!% !"#,2'%@'120(#/A,2#6'7
J$ Z1$ 2-132342@<,1$ .,$ 07>.23/$ E4,B$ .,$ *0/7./$ 0/9$ /$ Z+21/$$
-JK$RN\CDNL!!"B$.,$L$.,$D*2/B$;7,;*7,9$*1$14*1$.,9/-137*@<,1$
?-*-0,27*1$,9$0/-I/792.*.,$*1$TbWf$.,+,9$/:1,7+*7$/$.21;/13/$
-/$ ;7,1,-3,$ Z+21/$ *;,-*1$ ;*7*$ ,I,23/1$ .,$ 7,5*3/$ ;74.,-02*5B$
.,128-*.*9,-3,$ -*$ .,3,792-*@A/$ ./1$ I4-./1$ ;7j;72/1$ ,$ 7`02/$$
.,$1/5+*:252.*.,J
LJ$ Z1$ 2-132342@<,1$ 7,I,72.*1$ -/$ -]9,7/$ *-3,72/7$ .,+,9B$$
;*7*$ ,I,23/1$ ;74.,-02*21B$ 0/-1323427$ *1$ ;7/+21<,1$ ;7,+213*1$$
nas alíneas a) a d($./$*7328/$R$./$;7,1,-3,$Z+21/J
'J$ Z1$ 2-132342@<,1$ .,$ 07>.23/$ E4,B$ -/1$ 3,79/1$ ./$ .21;/13/$$
-/$ *7328/$ '$ ./$ Z+21/$ -JK$ RN\CDNL!!"B$ .,$ L$ .,$ D*2/B$ -A/$
;7,;*7*7,9$ *1$ 14*1$ .,9/-137*@<,1$ ?-*-0,27*1$ .,$ *0/7./$ 0/9$
*1$TbWfB$.,+,9$.*7$7,5,+F-02*$0/-3*:25=1320*$d1$.21;/12@<,1$./$
;7,1,-3,$Z+21/B$.,128-*.*9,-3,$-/$E4,$1,$7,I,7,$d$0/-132342@A/$
.*1$;7/+21<,1$;7,+213*1$-/$*7328/$RJ
AWab\[$Q
%3@/0,,!,%9!% #,6'7
i/-13234,9$05*11,1$.,$7210/$*1$1,842-3,1U
a)$i5*11,$b$g$*3>$'!$.2*1h
b)$i5*11,$bb$g$.,$' $*$O!$.2*1h$
c) i5*11,$bbb$g$.,$O $*$ #!$.2*1h
d)$i5*11,$bk$g$ # $*$'Q!$.2*1h
e)$i5*11,$k$g$9*21$.,$'Q!$.2*1J
AWab\[$"
3*)'+#,-!,%:0)0%@)B9#2'%C!16#9'7
X*7*$ ,I,23/1$ ./$ 0`5045/$ .,$ ;7/+21<,1$ ;*7*$ 07>.23/$ +,-02./B$
/1$+`72/1$32;/1$.,$07>.23/$1A/$,-E4*.7*./1$-*1$05*11,1$.,$7210/$
;7,+213*1$ -/$ *7328/$ Q$ ./$ ;7,1,-3,$ *+21/B$ *1$ E4*21$ 7,l,03,9$ /$
,10*5/-*9,-3/$./$07>.23/$,$c47/1$+,-02./1$,9$I4-@A/$./$;,7=/./$
.,0/772./$*;j1$/$7,1;,032+/$+,-029,-3/$/4$.*$.*3*$,9$E4,$3,-H*$
12./$ I/79*59,-3,$ *;7,1,-3*.*$ */$ .,+,./7$ *$ ,Y28G-02*$ .*$ 14*$
52E42.*@A/J
AWab\[$#
3*)'+!#2',%9!%D.)'%,'()!%@)B9#2'%C!16#9'7
Z1$ 2-132342@<,1$ *:7*-82.*1$ ;,5/$ ;7,1,-3,$ Z+21/$ .,+,9$
2-3,77/9;,7$/$7,0/-H,029,-3/$.,$;7/+,23/1$.,$c47/1$5/8/$E4,$/$
07>.23/$1,$,-E4*.7,$-*$05*11,$./1$07>.23/1$0/9$2-049;729,-3/J
>+!?%!?%@%)A$*!?%!B,+>
AWab\[$O
3 !,2).2.)0;<'%9',%@)B9#2',7
J$Z$7,,1374347*@A/$./1$07>.23/1$+,-02./1$-A/$2-3,77/9;,$*$
0/-3*8,9$ ./1$ ;,7=/./1$ 7,I,72./1$ -/$ *7328/$ Q$ ,$ -,9$ 21,-3*$ *1$
2-132342@<,1$.,$07>.23/$.,$0/-13234=7,9$*1$7,1;,032+*1$;7/+21<,1B$
1*5+/$1,$I/7,9$*.,E4*.*9,-3,$7,I/7@*.*1$*1$8*7*-32*1$0/-13234=.*1$
/4$2-3,87*59,-3,$;*8/1$;,5/$.,+,./7$/1$c47/1$,$,-0*78/1$+,-02./1J
LJ$ Z1$ 2-132342@<,1$ *:7*-82.*1$ ;,5/$ ;7,1,-3,$ Z+21/$ .,+,9$
;7/0,.,7$d$2.,-32?0*@A/$,$9*70*@A/B$-/1$7,1;,032+/1$1213,9*1$.,$
2-I/79*@A/B$./$07>.23/$7,,1374347*./$;/7$.2?045.*.,1$?-*-0,27*1$
./$052,-3,B$0/-3,9;5*-./$/1$0*9;/1$.,$2-I/79*@A/$-,0,11`72/1$
g$.,128-*.*9,-3,B$.*3*&1(B$528*@A/$,-37,$/;,7*@<,1$e$.,$9/./$*$
E4,$,11,$.*./$;/11*$1,7$432526*./B$;*7*$,I,23/1$.,$8,13A/$./$7210/$
.,$07>.23/B$.,3,792-*@A/$.,$29;*72.*.,B$,5*:/7*@A/$.,$7,;/73,1$
sobre a carteira de crédito e de cumprimento de outros requisitos
;74.,-02*21J
'J$m9$07>.23/$9*70*./$0/9/$07>.23/$7,,1374347*./$-/1$3,79/1$
./$-]9,7/$;7,0,.,-3,$1j$;/.,7`$.,2Y*7$.,$/$1,7$*;j1$3,7$.,0/772./$
o prazo de 1 (um) ano a contar da data a partir da qual passou
*$ 1,7$ 05*112?0*./$ 0/9/$ 07>.23/$ 7,,1374347*./B$ .,1.,$ E4,$ -A/$
3,-H*$H*+2./$E4*5E4,7$2-049;729,-3/$/4$7,0471/$*$9,0*-219/1$$
.,$7,,1374347*@A/$;/7$;*73,$./$9434`72/B$-,11,$;,7=/./J$
RJ$_,9$;7,c4=6/$./$.21;/13/$-/$-]9,7/$*-3,72/7B$/0/77,-./$
-/+*1$ /;,7*@<,1$ .,$ 7,,1374347*@A/B$ *$ 0/-3*8,9$ ./$ ;7*6/$
2-202*$ *$ ;*7327$ .*$ .*3*$ .*$ ]5329*$ 7,,1374347*@A/B$ 1,9$ ;7,c4=6/$$
.*$9*-43,-@A/B$-/$1213,9*$.,$2-I/79*@A/B$./$7,8213/$.*1$.*3*1$
,$528*@<,1$,-37,$*1$/;,7*@<,1$*:7*-82.*1J
AWab\[$ !
3*!)6!120"!1,%EA1#$0,%9!%*)'+#,-!,%:0)0%6)B9#2'%+!16#9'7
J$_,9$;7,c4=6/$./$.21;/13/$-/$*7328/$ Q$./$;7,1,-3,$Z+21/B$*1$
;7/+21<,1$;*7*$07>.23/$+,-02./$.,+,9$1,7$0*5045*.*1$/:,.,0,-./$
d1$;,70,-3*8,-1$9=-29*1$2-02.,-3,1$1/:7,$/1$1*5./1$,9$.=+2.*$./1$
7,1;,032+/1$07>.23/1B$0/-12.,7*-./$*1$05*11,1$.,$7210/$;7,+213*1$
-/$*7328/$Q$,$/$.21;/13/$-/$*7328/$#$./$;7,1,-3,$Z+21/$:,9$*1129$
*$,Y213G-02*$/4$-A/$.,$8*7*-32*B$-/1$1,842-3,1$3,79/1U$
(em percentagem)
Classes de Risco
=!,6)#;<'
I II III IV
Com 1.ª hipoteca de habitação do mutuário 2 5 20 50
Contratos de Locação Financeira
2 5 20 50
Imobiliária
Com 1.ª hipoteca de edifício Comercial
5 10 35 60
do mutuário
Com outras garantias 5 15 40 75
Sem garantia 5 15 50 85
LJ$Z1$;7/+21<,1$;*7*$07>.23/$+,-02./$,9$9/,.*$,137*-8,27*$
.,+,9$/:,.,0,7$*/$.21;/13/$-/$*7328/$ #$./$;7,1,-3,$Z+21/J
AWab\[ 11
3?!$:'%9!%*!)$01F16#0%10%@/0,,!%EGH#$0%9!% #,6'7
J$ Z1$ /;,7*@<,1$ 1,9$ 8*7*-32*$ /4$ *1$ 0/9$ /437*1$ 8*7*-32*1B$
05*112?0*.*1$ -*$ 05*11,$ kB$ ,$ /1$ 0/-37*3/1$ .,$ 5/0*@A/$ ?-*-0,27*$
29/:252`72*$/4$/1$07>.23/1$8*7*-32./1$;/7$ n$H2;/3,0*$.,$H*:23*@A/$
./$9434`72/$/4$;/7$ nJ$H2;/3,0*$.,$,.2I=02/$0/9,702*5$./$9434`72/B$
!"#$& 'O($$
05*112?0*./1$ -*$ 05*11,$ kB$ .,+,9$ 1,7$ *:*32./1$ ./$ *032+/B$ 0/9$
/$ 0/77,1;/-.,-3,$ .>:23/$ ,9$ ;7/+21A/B$ ,$ 7,;/73*./1$ ,9$ 0/-3*$
,Y37*;*3729/-2*5B$.,;/21$.,U
a)$^,0/772./1$1,21$9,1,1$.*$14*$05*112?0*@A/$-*$7,I,72.*$
05*11,B$ ;*7*$ *1$ /;,7*@<,1$ 1,9$ 8*7*-32*$ /4$ *1$ 0/9$
/437*1$8*7*-32*1h
b)$^,0/772./1$ L$9,1,1$-*$7,I,72.*$05*11,B$;*7*$/1$0/-37*3/1$
.,$5/0*@A/$?-*-0,27*$29/:252`72*h
c)$^,0/772./1$LR$9,1,1$-*$7,I,72.*$05*11,B$;*7*$/1$07>.23/1$
8*7*-32./1$;/7$ Jn$H2;/3,0*$.,$H*:23*@A/$./$9434`72/$
/4$;/7$ Jn$H2;/3,0*$.,$,.2I=02/$0/9,702*5$./$9434`72/J
LJ$ Z$ /;,7*@A/$ 05*112?0*.*$ -/1$ 3,79/1$ ./$ -JK$ $ .,13,$ *7328/$
.,+,$;,79*-,0,7$7,;/73*.*$,9$0/-3*$,Y37*;*3729/-2*5B$;,5/$;7*6/$
9=-29/$.,$02-0/$*-/1B$-A/$.,+,-./$1,7$7,327*.*$,-E4*-3/$-A/$
,132+,7,9$,18/3*./1$3/./1$/1$;7/0,.29,-3/1$;*7*$*$14*$0/:7*-@*J
AWab\[$ L
3@)B9#2'%6'$%I0)012#07
T/1$ 0*1/1$ .,$ 07>.23/$ +,-02./$ 0/9$ 8*7*-32*B$ *1$ 2-132342@<,1$
.,$ 07>.23/$ .,+,9$ +,72I20*7$ 1,$ .*$ 2-3,7+,-@A/$ ./1$ 07,./7,1$
;72+25,82*./1$;/.,$7,1453*7$*$2-14?02G-02*$./$+*5/7$.*$8*7*-32*J$
o9$ 3*21$ 1234*@<,1B$ *$ ;*73,$ -A/$ 8*7*-32.*$ ./1$ 07>.23/1$ .,+,$
1,7$ ;7/+212/-*.*$ .,$ *0/7./$ 0/9$ *$ ;,70,-3*8,9$ ;7,+213*$ ;*7*$$
/1$07>.23/1$1,9$8*7*-32*J
AWab\[$ '
3 !0+0/#0;<'%90,%I0)012#0,7
X*7*$ /1$ ,I,23/1$ ./1$ *7328/1$ !$ ,$ L$ ./$ ;7,1,-3,$ Z+21/B$
*1$ 8*7*-32*1$ 7,*21$ .,+,9$ 1,7$ /:728*3/72*9,-3,$ 7,*+*52*.*1B$
/:,.,0,-./$*$9>3/./1$3,0-20*9,-3,$*.,E4*./1B$-/1$1,842-3,1$
3,79/1U
a)$ \*7*-32*1$ H2;/3,0`72*1$ g$ 7,*+*52*@A/B$ ;/7$ *+*52*./7,1$
2-.,;,-.,-3,1B$-/$;,7=/./$.,$O!$.2*1$*;j1$/$;729,27/$
2-049;729,-3/B$1,$32+,7,9$.,0/772./$9*21$.,$"L!$.2*1$
.,1.,$*$]5329*$*+*52*@A/h$,
b)$\*7*-32*1$-A/$H2;/3,0`72*1$g$7,*+*52*@A/B$;,5/$9434*-3,B$
-/$;,7=/./$.,$O!$.2*1$*;j1$/$;729,27/$2-049;729,-3/B$
1,$32+,7,9$.,0/772./$9*21$.,$ #!$.2*1$.,1.,$*$]5329*$
*+*52*@A/J$Z1$*+*52*@<,1$;/13,72/7,1$.,+,7A/$/0/77,7$
V 0/9$49*$;,72/.202.*.,$1,9,137*5J$
100
AWab\[$ R
100
3J1K.09)0$!12'%9'%6)B9#2'%10,%6/0,,!,%9!%)#,6'7
O enquadramento dos créditos nas classes de risco estabelecidas
100
-/$*7328/$Q$.,+,$1,7$I,23/$,9$I4-@A/$.*$;7,13*@A/$,9$9/7*$H`$
100 9*21$3,9;/J
100
AWab\[$ S
3*)'+#,-!,%:0)0% #,6',%I!)0#,%9!%@)B9#2'7
J$X*7*$,I,23/1$./$0`5045/$.,$;7/+21<,1$;*7*$7210/1$8,7*21$.,$
07>.23/B$ >$ 0/-12.,7*./$ /$ +*5/7$ 3/3*5$ ./$ 07>.23/$ 0/-0,.2./$ ;/7$
49*$2-132342@A/$.,$07>.23/B$2-0542-./$/$7,;7,1,-3*./$;/7$*0,23,1B$
8*7*-32*1$,$*+*5,1$;7,13*./1B$9*1$,Y0542-./$/$07>.23/$+,-02./$,$
/$07>.23/$0/9$2-049;729,-3/$*$E4,$1,$7,I,7,$/$*7328/$'J
LJ$ Z1$ ;7/+21<,1$ ;*7*$ 7210/1$ 8,7*21$ .,$ 07>.23/$ .,+,9$
0/77,1;/-.,7$d$;,70,-3*8,9$9=-29*$.,$Lp$./$+*5/7$7,I,72./$-/$
-]9,7/$*-3,72/7J
 !"#$%$& R!($$
AWab\[$ Q
3J/!$!12',%JH6/.A9',%9'%@G/6./'%90,%*)'+#,-!,%EA1#$0,7
Z$/:728*@A/$.,$0`5045/$.,$;7/+21<,1$7,845*9,-3*7,1$9=-29*1$
*$E4,$1,$7,I,7,$/$*7328/$R$./$;7,1,-3,$Z+21/B$0/9$,Y0,;@A/$.*$
alínea d) ./$9,19/$*7328/B$-A/$*:7*-8,U
J$ [1$ *032+/1$ 1/:7,$ *1$ ,-32.*.,1$ *$ 1,8427$ .2107292-*.*1$ /4$
;/7$,5*1$8*7*-32./1B$:,9$0/9/$*1$/;,7*@<,1$,Y37*;*3729/-2*21$
-,8/02*.*1$;/7$14*$0/-3*$/4$0/9$*$14*$8*7*-32*U
a) [$ \/+,7-/$ .,$ D/@*9:2E4,B$ E4*-./$ .,-/92-*.*1$
,9$ 9/,.*$ -*02/-*5B$ -/1$ 3,79/1$ ./$ Z+21/$$
-JK$ N\CDNL! 'B$ 1/:7,$ *;47*9,-3/$ .*$ :*1,$$
de cálculo dos requisitos mínimos de capital para
*$0/:,7347*$./$7210/$.,$07>.23/h
b)$ [$ C*-0/$ .,$ D/@*9:2E4,B$ E4*-./$ .,-/92-*.*1$ ,9$
9/,.*$-*02/-*5h
c) \/+,7-/1$ ,$ :*-0/1$ 0,-37*21$ ,137*-8,27/1B$ ,5,8=+,21$$
*$ 49*$ ;/-.,7*@A/$ .,$ !pB$ -/1$ 3,79/1$ ./$ Z+21/$$
-JK$ N\CDNL! 'B$ 1/:7,$ /$ *;47*9,-3/$ .*$ :*1,$$
de cálculo dos requisitos mínimos de capital para
*$0/:,7347*$./$7210/$.,$07>.23/h$,
d) Organizações internacionais e bancos multilaterais
.,$ .,1,-+/5+29,-3/B$ -/1$ 3,79/1$ ./$ Z+21/$$
-JK$ N\CDNL! 'B$ 1/:7,$ /$ *;47*9,-3/$ .*$ :*1,$$
de cálculo dos requisitos mínimos de capital para
*$0/:,7347*$./$7210/$.,$07>.23/J
LJ$[1$*032+/1$,$*1$/;,7*@<,1$,Y37*;*3729/-2*21$0/:,73/1$;/7U
a)$ ^,;j123/1$ .,$ -49,7`72/$ -*$ ;7j;72*$ 2-132342@A/B$$
-/1$ 3,79/1$ ./$ *+21/$ -JK$ N\CDNL! 'B$ 1/:7,$$
o apuramento da base de cálculo dos requisitos mínimos
.,$0*;23*5$;*7*$*$0/:,7347*$./$7210/$.,$07>.23/h
b)$ ^,;j123/$ -*$ ;7j;72*$ 2-132342@A/$ .,$ 3=345/1$ .,$ .=+2.*$
,9232./1$;,5*1$,-32.*.,1$7,I,72.*1$-/$-]9,7/$*-3,72/7$
/4$ ;,5*$ ;7j;72*$ 2-132342@A/B$ .,1.,$ E4,$ -A/$ 1,c*9$
7,;7,1,-3*32+/1$./1$1,41$I4-./1$;7j;72/1B$-/1$3,79/1$
./$ *+21/$ -JK$ N\CDNL! 'B$ 1/:7,$ /$ *;47*9,-3/$ .*$
base de cálculo dos requisitos mínimos de capital para
*$0/:,7347*$./$7210/$.,$07>.23/h$,
c)$ f4-./1$ X7j;72/1B$ -/1$ 3,79/1$ .*$ *5=-,*$ b)$ ./$ -JK$ R$$
./$ *7328/$ !$ ./$ Z+21/$ -JK$ RN\CDNL! 'B$ 1/:7,$$
/1$I4-./1$;7j;72/1J
AWab\[$ "
3 !9.;<'%90%*!)6!120"!$%EA1#$0%9!%*)'+#,-!,%:0)0%%%%%%%%%%%%%%%%%%%%%%
#,6',%I!)0#,%9!%@)B9#2'7
Z$;,70,-3*8,9$7,I,72.*$-/$-JK$L$./$*7328/$ S$./$;7,1,-3,$Z+21/$
1,7`$7,.462.*U
J$X*7*$!BRp$E4*-./U
a) [$ 9434`72/$ I/7$ 49*$ 2-132342@A/$ .,$ 07>.23/$ 14c,23*$
d1$ -/79*1$ ./$ Z+21/$ -JK$ N\CDNL! 'B$ 1/:7,$ /$
apuramento da base de cálculo dos requisitos
mínimos de capital para a cobertura do risco de
07>.23/B$ 0/9$ ;7*6/$ .,$ +,-029,-3/$ 2-202*5$ -A/$
14;,72/7$ *$ '$ 9,1,1$ ,$ .,-/92-*.*1$ ,9$ 9/,.*$
-*02/-*5h
b)$ oY213*$ 8*7*-32*$ ,Y;7,11*$ ,$ +2-045*32+*$ .,$ /437*1$
2-132342@<,1$ .,$ 07>.23/$ 14c,23*1$ d1$ -/79*1$$
./$ Z+21/$ -JK$ N\CDNL! '$ 1/:7,$ /$ *;47*9,-3/$
da base de cálculo dos requisitos mínimos de
0*;23*5$;*7*$*$0/:,7347*$./$7210/$.,$07>.23/B$0/9$
;7*6/$.,$+,-029,-3/$2-202*5$-A/$14;,72/7$$*$'$9,1,1$
,$.,-/92-*.*1$,9$9/,.*$-*02/-*5h$,
!"#$ %!&!'()%$*!!!+,-
c)$oY213*$8*7*-32*B$;74.,-3,9,-3,$*+*52*.*B$0/-13234=.*$
;/7$ 3=345/1$ .,$ .=+2.*$ -,8/02`+,21$ ,9232./1$ ;/7$
/437*1$2-132342@<,1$.,$07>.23/$14c,23*1$d1$-/79*1$./$
Z+21/$-JK$ N\CDNL! 'B$1/:7,$/$*;47*9,-3/$.*$
base de cálculo dos requisitos mínimos de capital
;*7*$*$0/:,7347*$./$7210/$.,$07>.23/B$.,1.,$E4,$-A/$
1,c*9$ 7,;7,1,-3*32+/1$ ./1$ 1,41$ I4-./1$ ;7j;72/1B$
.,;/123*./1$-*$;7j;72*$2-132342@A/$,$.,-/92-*./1$
,9$9/,.*$-*02/-*5J
LJ$X*7*$ p$-/1$1,842-3,1$0*1/1U
a) i7>.23/$8*7*-32./$;/7$;729,27*$H2;/3,0*$.*$H*:23*@A/$
./$9434`72/h$,
b)$[;,7*@<,1$.,$5/0*@A/$?-*-0,27*$29/:252`72*J
AWab\[$ #
3*)'+#,-!,%J,:!6A>60,%:0)0%'%@)B9#2'%!$%E'!90%!,2)01"!#)07
J$Z1$2-132342@<,1$.,$07>.23/$E4,$0/-0,.*9$07>.23/$,9$9/,.*$
,137*-8,27*$ *$ 9434`72/1$ -A/$ ,Y;/73*./7,1$ .,+,9B$ -/$ *03/$ .*$
0/-0,11A/B$0/-1323427$49*$;7/+21A/$,1;,0=?0*$.,$S!p$./$+*5/7$
0/-0,.2./B$;*7*$,I,23/1$.,$0`5045/$.,$;7/+21<,1$7,845*9,-3*7,1$
9=-29*1J
LJ$ oY0,;34*e1,$ ./$ .21;/13/$ -/$ -]9,7/$ *-3,72/7$ /$ 07>.23/$
0/-0,.2./$,9$9/,.*$,137*-8,27*$E4,$3,-H*$0/9/$8*7*-32*$49$
07>.23/$ ./049,-3`72/$ 277,+/8`+,5$ .,$ ,Y;/73*@A/B$ 0/-37*3/$ /4$
/437/$./049,-3/$,E42;*7*./B$.,$+*5/7$284*5$/4$14;,72/7$*/$0*;23*5$
9434*./J$ [$ ,Y0,11/$ ,9$ 7,5*@A/$ */$ +*5/7$ .*$ 8*7*-32*$ .,+,$ 1,7$
37*3*./$-/1$3,79/1$./$-]9,7/$ $./$;7,1,-3,$*7328/J
'J$_,9;7,$E4,$/$07>.23/$0/-0,.2./$,9$9/,.*$,137*-8,27*$,13,c*$
+,-02./$/4$H*c*$I4-.*.*1$.]+2.*1$1/:7,$/$1,4$7,,9:/51/B$/$9,19/$
.,+,7`$1,7$0/:,73/$;/7$;7/+21<,1$0/-I/79,$*$3*:,5*$1,842-3,U
*)'+#,-!,
Entidades No acto Crédito Vencido
de concessão
!"#$%&'#$()*(*(+%,'&'()*+&)* 0% Aplica-se o disposto
situações previstas no n.K 2 do nos artigos 6 e 10
presente artigo do presente Aviso.
Outras entidades 50% 100%
AWab\[$ O
3*)'+#,-!,%L9#6#'10#,7
_,9;7,$ E4,$ *1$ 02704-13F-02*1$ /$ c4132I2E4,9B$ /$ C*-0/$$
.,$D/@*9:2E4,$;/.,$.,3,792-*7U
a)$q4,$3/.*1$*1$2-132342@<,1$.,$07>.23/$0/-13234*9$;7/+21<,1$
adicionais para cobrir os riscos de crédito sobre um
052,-3,$/4$874;/$.,$052,-3,1$528*./1$,-37,$12B$E4*-./$
,-3,-.,7$,Y21327,9$.]+2.*1$1/:7,$*$+2*:252.*.,$.*$14*$
0/:7*-@*B$-/9,*.*9,-3,$E4*-./$32+,7$12./$*002/-*./$
/$;7/0,11/$7,5*32+/$d$.,05*7*@A/$.*$I*5G-02*h$,
b)$ q4,$ *1$ 2-132342@<,1$ .,$ 07>.23/$ 0*5045,9$ ;7/+21<,1$
7,845*9,-3*7,1$9=-29*1$*.202/-*21B$E4*-./$0/-12.,7*7$
E4,$*1$c`$0/-13234=.*1$1,$9/137*9$2-14?02,-3,1$;*7*$
I*6,7$I*0,$d$1234*@A/$./1$9,70*./1$/4$./1$1,03/7,1$.,$
*032+2.*.,$,9$E4,$*1$9,19*1$,13,c*9$,1;,02*59,-3,$
,-+/5+2.*1J
AWab\[$L!
3*)'+#,-!,%:0)0%E!1',MC0/#0,%!$%?A2./',%!%*0)2#6#:0;-!,%N#101-
6!#)0,7
J$Z1$;7/+21<,1$;*7*$9,-/1e+*52*1$.,$3=345/1$,$;*73202;*@<,1$
?-*-0,27*1$ .,+,9$ 0/77,1;/-.,7B$ -/$ ?9$ .,$ 0*.*$ 9G1B$ */$ 3/3*5$$
.*1$9,-/1e+*52*1$+,72?0*.*1$-/1$7,1;,032+/1$3=345/1J$
>+!?%!?%@%)A$*!?%!B,+>
LJ$X*7*$,I,23/1$./$-]9,7/$*-3,72/7B$,-3,-.,e1,$E4,$1,$+,72?0*$
9,-/1e+*52*$E4*-./$E4*-./$/$;7,@/$.,$9,70*./$.,$49$3=345/$I/7$
2-I,72/7$*/$1,4$+*5/7$0/-3*:25=1320/J
'J$ T*$ .,3,792-*@A/$ .*1$ 9,-/1e+*52*1B$ *1$ 2-132342@<,1$ .,$
07>.23/$ .,+,9$ 0/-12.,7*7B$ 0/9/$ ;7,@/$ .,$ 9,70*./$ ./1$ 3=345/1$
,$ ;*73202;*@<,1$ ?-*-0,27*1B$ *$ 0/3*@A/$ -49*$ :/51*$ .,$ +*5/7,1$
/4B$-*$*41G-02*$.,13*B$/$,1;,7*./$;7,@/$.,$+,-.*B$.,.462./1$/1$
-,0,11`72/1$0413/1B$0/-12.,7*-./$49*$*+*52*@A/$;74.,-3,$,$3,-./$
3*9:>9$,9$0/-3*$*$1234*@A/$.*$,9;7,1*$,923,-3,$.,$3=345/1J$_,$
49$3=345/$,132+,7$0/3*./$,9$9*21$./$E4,$49*$:/51*$.,$+*5/7,1B$
;*7*$,I,23/1$.,$*;47*9,-3/$.*1$9,-/1e+*52*1$.,+,$1,7$0/-12.,7*.*$
*$0/3*@A/$9*21$:*2Y*J$
AWab\[$L
3*)'+#,-!,%:0)0%E!1',MC0/#0,%!$%L62#+',% !6!(#9',%%%%%%%%%%%%%%%%%%%%%%%%%%%%
!$% !!$('/,'%9'%@)B9#2'%*)O:)#'7
J$Z1$;7/+21<,1$;*7*$*032+/1$7,0,:2./1$,9$7,,9:/51/$.,$07>.23/$
;7j;72/$.,+,9$0/77,1;/-.,7B$-/$?9$.,$0*.*$9G1B$*/$3/3*5$.*1$
.2I,7,-@*1$*;47*.*1$,-37,$/$0413/$./1$7,1;,032+/1$*032+/1$,$/$1,4$
+*5/7$.,$9,70*./B$E4*-./$,13,$I/7$2-I,72/7$dE4,5,J
LJ$X*7*$,I,23/1$./$-]9,7/$*-3,72/7B$,-3,-.,e1,$;/7$+*5/7$.,$
9,70*./$/$;7,@/$,1;,7*./$.*$+,-.*$./1$*032+/1$;74.,-3,9,-3,$
*+*52*./1B$.,.462./$./1$,-0*78/1$;7,+21=+,21$0/9$*$14*$*52,-*@A/
AWab\[$LL
3*)'+#,-!,%:0)0%*!1,-!,%9!% !P')$0%!%9!%&'()!+#+F16#07
J$Z1$;7/+21<,1$;*7*$;,-1<,1$.,$7,I/79*$,$.,$1/:7,+2+G-02*$
.,+,9B$-/$?-*5$.,$0*.*$,Y,70=02/B$0/77,1;/-.,7$*/$+*5/7$*034*5$
.*$3/3*52.*.,$.*1$7,1;/-1*:252.*.,1$*11492.*1$;/7$49*$2-132342@A/$
.,$07>.23/$0/9$/$;*8*9,-3/$.*1$7,1;,032+*1$;,-1<,1J
LJ$[$+*5/7$*034*5$7,I,72./$-/$-]9,7/$*-3,72/7B$E4,$0/9;7,,-.,$
d1$ 7,1;/-1*:252.*.,1$ ;/7$ ;,-1<,1$ ,9$ ;*8*9,-3/$ 7,5*32+*1$$
*$1,7+2@/1$;*11*./1$./$;,11/*5$-/$*032+/B$.,+,$1,7$.,3,792-*./$
*37*+>1$.,$*.,E4*./1$,134./1$*034*72*21J
Aviso n.º 17/GBM/2013
de 31 de Dezembro
)*+,-./$-,0,112.*.,$.,$*.,E4*7$/$_4:1213,9*$.,$i/9;,-1*@A/$
,$M2E42.*@A/$b-3,7:*-0`72*$*/$.21;/13/$-*$M,2$-JK$LNL!!#B$.,$L"$
.,$f,+,7,27/$e$M,2$./$_213,9*$T*02/-*5$.,$X*8*9,-3/1B$/$C*-0/$
.,$ D/@*9:2E4,B$ -/$ 41/$ .*$ 0/9;,3G-02*$ E4,$ 5H,$ >$ 0/-I,72.*$
pela alínea c)$./$-JK$L$./$*7328/$QB$0/-c48*.*$0/9$/$*7328/$R'$$
.*$7,I,72.*$M,2B$*;7/+*U
[$ W,845*9,-3/$ ./$ _4:1213,9*$ .,$ i/9;,-1*@A/$$
,$ M2E42.*@A/$ b-3,7:*-0`72*B$ ,9$ *-,Y/B$ /$ E4*5$ I*6$
;*73,$2-3,87*-3,$./$;7,1,-3,$Z+21/J
[$ ;7,1,-3,$ Z+21/$ ,-37*$ ,9$ +28/7$ '!$ .2*1$ *;j1$ *$ .*3*$$
.*$14*$;4:520*@A/B$7,+/8*-./$/$Z+21/$-JK$ON\\CDNL!!SB$.,$LL$$
.,$Z8/13/$,$.,9*21$.21;/12@<,1$,9$0/-37`72/J
Z1$ .]+2.*1$ E4,$ 147827,9$ -*$ 2-3,7;7,3*@A/$ ,$ *;520*@A/$$
./$ ;7,1,-3,$ Z+21/$ .,+,7A/$ 1,7$ 14:9,32.*1$ */$ ^,;*73*9,-3/$$
.,$o9211A/$,$_213,9*$.,$X*8*9,-3/1$./$C*-0/$.,$D/@*9:2E4,J
[$\/+,7-*./7B$%./0123!4356078!4360C
!"#$& R ($$
!"./0$!12'%9!%@'$:!1,0;<'%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
!%Q#K.#90;<'%R12!)(016G)#0
iZXramM[$b
=#,:',#;-!,%"!)0#,
AWab\[ 1
Objecto
[$ ;7,1,-3,$ W,845*9,-3/$ 3,9$ ;/7$ /:c,03/$ ,13*:,5,0,7$ /$
I4-02/-*9,-3/$ ./$ _4:1213,9*$ .,$ i/9;,-1*@A/$ ,$ M2E42.*@A/$
b-3,7:*-0`72*B$ E4,$ 37*3*$ .*$ 0/9;,-1*@A/$ ,5,037j-20*$ .,$
2-13749,-3/1$.,$;*8*9,-3/$.,-/92-*./1$,9$9/,.*$-*02/-*5B$
:,9$*1129$.*$52E42.*@A/$?-*-0,27*$.*1$/;,7*@<,1$;7/0,11*.*1$
*37*+>1$ .*1$ 7,.,1$ ,5,037j-20*1$ .,$ ;*8*9,-3/1$ ,$ .*$ C/51*$ .,$
k*5/7,1$.,$D/@*9:2E4,J
AWab\[$L
8$(#2'%9!%0:/#60;<'
[$;7,1,-3,$W,845*9,-3/$*;520*e1,$*/1$;*73202;*-3,1$./$_4:121e
3,9*$.,$i/9;,-1*@A/$,$M2E42.*@A/$b-3,7:*-0`72*J
AWab\[$'
=!>1#;-!,
X*7*$,I,23/1$./$;7,1,-3,$W,845*9,-3/B$,-3,-.,e1,$;/7U
a) iF9*7*$.,$0/9;,-1*@A/U$/$5/0*5$/4$/$9,0*-219/$0,-37*5$
.,$ ;7/0,11*9,-3/$ *37*+>1$ ./$ E4*5$ /1$ ;*73202;*-3,1$
trocam instruções de pagamento ou outras obrigações
?-*-0,27*1h
b)$i/9;,-1*@A/$,5,037j-20*U$/$;7/0,11/$.,$,-+2/$,$*;47*e
9,-3/$.*$1/9*$./1$7,1453*./1$.,+,./7,1$,$07,./7,1$
.,$0*.*$;*73202;*-3,B$,Y05412+*9,-3,$0/9$7,0471/$d1$
3,0-/5/82*1$.,$2-I/79*@A/$,$0/94-20*@A/h
c)$ i/9;,-1*@A/$ 945325*3,7*5U$ /$ ;7/0,.29,-3/$ .,132-*./$
*/$ *;47*9,-3/$ .*$ 1/9*$ ./1$ 7,1453*./1$ .,+,./7,1$ ,$
07,./7,1$.,$0*.*$;*73202;*-3,$,9$7,5*@A/$*/1$.,9*21h
d)$ X*73202;*-3,1U$ *$ 2-132342@A/$ *43/726*.*$ *$ ;*73202;*7$ ,9$
14:1213,9*1$/4$0F9*7*$.,$0/9;,-1*@A/h
e)$ a74-0*8,9U$ /$ ;*8*9,-3/$ ,$ 84*7.*B$ ;,5/$ ;*73202;*-3,$
7,9,3,-3,B$ ./1$ ./049,-3/1$ ;/7$ ,5,$ 7,0,:2./1$ ,$
,-0*92-H*./1$;*7*$0/9;,-1*@A/$;/7$9,2/$,5,037j-20/J
AWab\[$R
=!+!)%9!%#1P')$0;<'%!,202A,2#60
[1$;*73202;*-3,1$./$_4:1213,9*$.,$i/9;,-1*@A/$,$M2E42.*@A/$
b-3,7:*-0`72*$ 1A/$ /:728*./1$ *$ ;7,13*7$ 2-I/79*@A/$ ,13*3=1320*B$$
-/1$3,79/1$*$.,?-27$;,5/$C*-0/$.,$D/@*9:2E4,J
iZXramM[$bb
S02.)!T0%90%6'$:!1,0;<'%!%:0)2#6#:0;<'%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
10%6'$:!1,0;<'%!/!62)O1#60
AWab\[$S
%@'$:!1,0;<'%$./2#/02!)0/%!%:)'6!9#$!12',%"!)0#,%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
90%6'$:!1,0;<'%!/!62)O1#60
J$ Z$ 0/9;,-1*@A/$ .,$ E4,$ 37*3*$ /$ ;7,1,-3,$ W,845*9,-3/$$
>$.,$-*347,6*$945325*3,7*5J
LJ$Z$0/9;,-1*@A/$7,*526*e1,$*37*+>1$./$;7/0,11*9,-3/$.2`72/B$
;,5/$C*-0/$.,$D/@*9:2E4,$/4$;/7$/437*$2-132342@A/$*43/726*.*$
;/7$,13,B$./1$?0H,27/1$,5,037j-20/1$.,$;,5/$9,-/1$49*$1,11A/$
.2`72*$.,$37/0*$I=120*$./1$2-13749,-3/1$0/9;,-1*./1B$7,9,32./1$
;,5/1$;*73202;*-3,1J$