Case C-501/18: Judgment of the Court (Fourth Chamber) of 25 March 2021 (request for a preliminary ruling from the Administrativen sad Sofia-grad — Bulgaria) — BT v Balgarska Narodna Banka (Reference for a preliminary ruling — Deposit-guarantee schemes — Directive 94/19/EC — Article 1(3)(i) — Article 7(6) — Article 10(1) — Concept of ‘unavailable deposit’ — Determination of unavailability of deposits — Competent authority — Depositor’s rights to compensation — Contractual clause contrary to Directive 94/19 — Principle of primacy of Union law — European System of Financial Supervision — European Banking Authority (EBA) — Regulation (EU) No 1093/2010 — Article 1(2) — Article 4(2)(iii) — Article 17(3) — EBA recommendation to a national banking authority on measures to comply with Directive 94/19 — Legal effects — Validity — Reorganisation and winding up of credit institutions — Directive 2001/24/EC — Article 2, seventh indent — Concept of ‘reorganisation measures’ — Compatibility with Article 17(1) and Article 52(1) of the Charter of Fundamental Rights of the European Union — Liability of Member States for breach of Union law — Conditions — Sufficiently serious breach of EU law — Procedural autonomy of Member States — Principle of sincere cooperation — Article 4(3) TEU — Principles of equivalence and effectiveness)