Once again the banks’ ability to assess creditworthiness correctly and not withdraw financial support from solvent, creditworthy customers will be crucial. Adequate and stable lending volume is essential to the banks themselves. In its first three-year refinancing operation on 21 December, the Eurosystem supplied banks with a total of € billion.
Some financial associations also set out voluntary codes that they encourage their membership to 5  follow: for example the Bankers Association of Trinidad and Tobago (BATT) has its Code of Banking Practice, while the Association of Trinidad and Tobago Insurance Companies (ATTIC) outlined a Code of Ethics.