Case C-298/22: Request for a preliminary ruling from the Tribunal da Concorrência, Regulação e Supervisão (Portugal) lodged on 4 May 2022 — Banco BPN/BIC Português, SA, Banco Bilbao Vizcaya Argentaria SA, Portuguese branch, Banco Português de Investimento SA (BPI), Banco Espírito Santo SA (in liquidation), Banco Santander Totta SA, Barclays Bank Plc, Caixa Económica Montepio Geral — Caixa Económica Bancária, SA, Caixa Geral de Depósitos, SA, Unión de Creditos Imobiliarios, SA — Estabelecimento Financeiro de Crédito SOC, Caixa Central de Crédito Agrícola Mútuo CRL, Banco Comercial Português, SA v Autoridade da Concorrência
Date: 2022-05-04
Institutions: Court of Justice
Subjects: banking, competition, control of restrictive practices, credit, credit policy, exchange of information, restriction on competition, trade information








C_2022326EN.01000601.xml










29.8.2022   


EN


Official Journal of the European Union


C 326/6






Request for a preliminary ruling from the Tribunal da Concorrência, Regulação e Supervisão (Portugal) lodged on 4 May 2022 — Banco BPN/BIC Português, SA, Banco Bilbao Vizcaya Argentaria SA, Portuguese branch, Banco Português de Investimento SA (BPI), Banco Espírito Santo SA (in liquidation), Banco Santander Totta SA, Barclays Bank Plc, Caixa Económica Montepio Geral — Caixa Económica Bancária, SA, Caixa Geral de Depósitos, SA, Unión de Creditos Imobiliarios, SA — Estabelecimento Financeiro de Crédito SOC, Caixa Central de Crédito Agrícola Mútuo CRL, Banco Comercial Português, SA v Autoridade da Concorrência
(Case C-298/22)
(2022/C 326/09)
Language of the case: Portuguese

Referring court

Tribunal da Concorrência, Regulação e Supervisão

Parties to the main proceedings


Applicants: Banco BPN/BIC Português, SA, Banco Bilbao Vizcaya Argentaria SA, Portuguese branch, Banco Português de Investimento SA (BPI), Banco Espírito Santo SA (in liquidation), Banco Santander Totta SA, Barclays Bank Plc, Caixa Económica Montepio Geral — Caixa Económica Bancária, SA, Caixa Geral de Depósitos, SA, Unión de Creditos Imobiliarios, SA — Estabelecimento Financeiro de Crédito SOC, Caixa Central de Crédito Agrícola Mútuo CRL, Banco Comercial Português, SA

Defendant: Autoridade da Concorrência

Other party: Ministério Público

Questions referred







I.


Does Article 101 TFEU (formerly Article 81 TEC) preclude the classification as a restriction of competition by object of a comprehensive, monthly exchange between competitors of information concerning commercial conditions (in particular, current and future credit spreads and risk variables) along with (monthly, individualised and disaggregated) production figures on home loan offers, corporate lending offers and consumer credit offers, exchanged regularly and in reciprocal fashion, in the retail banking sector, in the context of a concentrated market with barriers to entry, which has artificially increased transparency and reduced uncertainty with regard to the strategic conduct of competitors?










II.


If the answer is in the affirmative, does Article 101 TFEU preclude such classification where it has been impossible to identify or establish any gain in efficiency or any uncertain or positive effect on competition resulting from that exchange of information?