Eesti Pank võib keelduda välisinvesteerijale kommertspanga asutamiseks või selles osalemiseks litsentsi andmisest järgmistel põhjustel: 1) välisinvesteerija mitteusaldusväärsus; 2) välisinvesteerija taotlus monopoolse seisundi saavutamiseks Eesti Vabariigi panganduses.
Where a Member's monopoly supplier competes, either directly or through an affiliated company, in the supply of a service outside the scope of its monopoly rights and which is subject to that Member's specific commitments, the Member shall ensure that such a supplier does not abuse its monopoly position to act in its territory in a manner inconsistent with such commitments.