Judgment of the General Court (Seventh Chamber) of 15 November 2023.#PNB Banka AS and Others v Single Resolution Board.#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