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1.- Spanish banks are fully committed to adopting the Code of Good Practices approved today by the Government. Banks have already been implementing numerous measures to alleviate, as far as possible, the situation of those clients in greatest need.
2.- It should be emphasized that banking institutions are having to assume functions against social exclusion that correspond to Public Administrations.
3.- An effective policy to combat social exclusion must be based, above all, on addressing its causes and not only on alleviating its effects.