Case T-732/19: Judgment of the General Court of 15 November 2023 — PNB Banka and Others v SRB (Economic and monetary union — Banking union — Single resolution mechanism for credit institutions and certain investment firms (SRM) — Resolution procedure — Decision not to adopt a resolution scheme — Action for annulment — Annexes to the application — Legal interest in bringing proceedings — Locus standi — Competence of the author of the act — Right to be heard — Obligation to state reasons — Concept of whether an entity ‘is failing or is likely to fail’ — Manifest error of assessment — Proportionality