Dans le cas de Banca Tercas, la Commission a conclu, au terme d'une enquête approfondie, que l'intervention du Fondo Interbancario di Tutela dei Depositi (FITD) constitue une aide d'État et confère à la banque un avantage sur ses concurrents, car:
In the case of Banca Tercas, following an in-depth probe, the Commission concluded that the intervention of the Fondo Interbancario di Tutela dei Depositi (FITD) involves state aid to Banca Tercas, giving it an advantage its competitors did not have, because: