natgillin/translations-raw huggingface dataset:
Denne kategori af tjenester omfatter salget af finansielle instrumenter og markedsføring af særlige investeringsprodukter.
This category of services covers the sale of financial instruments and the marketing of special investments products.
De finansielle instrumenter, der tilbydes, er statsobligationer, investeringsfonde under Erste Befektetesi Zrt, andre værdipapirer og en særlige boligopsparingsordning på vegne af Fundamenta Lakaskassza Zrt. og OTP Lakastakarekpenztar Zrt., hvor Posta handler som formidler.
The financial instruments offered are government securities, investment funds of Erste Befektetesi Zrt, other securities and a special home savings arrangement on behalf of Fundamenta Lakaskassza Zrt. and OTP Lakastakarekpenztar Zrt., acting as intermediary.
I tidligere sager har Kommissionen ikke fastlagt, om hver af disse tjenester udgør separate produktmarkeder [28].
In previous cases, the Commission has left open the question whether each of these services might constitute separate product markets [28].
Definitionen fastlægges ikke i denne sag, da de tjenester, der leveres med Posta som formidler, ikke giver anledning til konkurrenceproblemer, uanset den alternative markedsdefinition.
The definition will be left open in this case as the services provided by Posta as an intermediary do not raise competition concerns, regardless of the alternative market definition considered.
Hvad angår geografisk omgang, har Kommissionen vurderet [29], at de fleste markedssegmenter har internationalt omfang, men nogle af dem er blevet analyseret fra et nationalt perspektiv [30].
As regards geographical scope, the Commission has considered [29] that most of the market segments are international in scope, but some of them have been analysed from a national perspective [30].
Den præcise geografiske markedsdefinition fastlægges ikke, og i dette tilfælde betragtes det geografiske marked som Ungarns territorium.
The exact geographical market definition will be left open, and in the present case the geographical market will be considered the territory of Hungary.
I perioden 2007-2009 var Postas markedsandel under 4 % af markedet for statsobligationer, 3-9 % af markedet for investeringsenheder, under 2 % af markedet for værdipapirer og under 4 % af markedet for boligopsparinger.
Between 2007 and 2009, Posta’s market share was of less than 4 % in the market of government securities, between 3 % and 9 % in the market of investment units, of less than 2 % in the market for bonds and of less than 4 % in the market of home savings arrangements.
I forbindelse med nærværende afgørelse og med forbehold af konkurrencelovgivningen bør der derfor tages hensyn til disse faktorer, som viser, at Posta er undergivet almindelige konkurrencevilkår.
For the purposes of this Decision, and without prejudice to the competition law, these factors should be taken as an indication of direct exposure to competition of Posta’s activity in the investment market.
Formidling af forsikringsprodukter
Intermediation of insurance products
Posta tilbyder livsforsikring på vegne af Magyar Posta Eletbiztosito Zrt. og skadesforsikring på vegne af Magyar Posta Biztosito Zrt.
Posta offers life insurance on behalf of Magyar Posta Eletbiztosito Zrt. and non-life insurance on behalf of Magyar Posta Biztosito Zrt.
I sine tidligere afgørelser [31] skelnede Kommissionen mellem tre brede forsikringskategorier, nemlig livsforsikring, skadesforsikring og genforsikring.
In its previous decisions [31], the Commission has distinguished between three broad categories of types of insurances, namely: life insurance, non-life insurance and reinsurance.
Det blev endvidere fra efterspørgselssiden observeret, at livsforsikring og skadesforsikring kan opdeles yderligere i så mange individuelle produktmarkeder, som der er forskellige former for dækkede risici.
Moreover, it was observed that, from the demand side, life and non-life insurance can be further divided into as many individual product markets as there are different kinds of risks covered.
I forhold til livsforsikring har Kommissionen i tidligere afgørelser overvejet følgende segmenter: individuel livsforsikring, gruppelivsforsikring og livsforsikring tilknyttet investeringsfonde eller alternativt individuel forsikring, gruppeforsikring, personlig pension, gruppepension, opsparing og investering [32].
In relation to life insurance the Commission has considered in previous decisions the following segmentations: life-individual, life-group and unit linked, or, alternatively, individual protection, group protection, personal pension, group pensions, savings and investments [32].
I forhold til skadesforsikring har Kommissionen tidligere bl.a. overvejet auto-, brand-, transport-, sundheds-, ejendoms-, erstatningsansvars-, ansvars-, retshjælps-, arbejdsulykkes- og kreditforsikring [33].
In relation to non-life insurance the Commission has previously considered, inter alia, motor, fire, transport, health, property, general civil liability, casualty, litigation, working accidents and credit insurance [33].
Overvejelser på forsyningssiden kan dog føre til bredere produktmarkeder.
However, supply side considerations could lead to broader product markets.
Det er ikke nødvendigt at fastlægge en præcis definition i forbindelse med nærværende afgørelse.
For the purposes of this Decision the exact product market definition can be left open.
Kommissionen har også tidligere analyseret fordelingen af forsikringsprodukter og bekræftet, at det relevante marked for enten skadesforsikring eller livsforsikring vil omfatte alle eksterne distributionskanaler (dvs. tredjepartskanaler eller ikke-ejede kanaler), som f.eks. mæglere, agenter og andre formidlere [34].
The Commission has in the past also analysed the distribution of insurance products and confirmed that the relevant market for either non-life or life insurance distribution would comprise all outward (i.e. third party or non-owned) distribution channels, such as brokers, agents and other intermediaries [34].
Det er dog ikke nødvendigt at fastlægge en præcis definition i forbindelse med nærværende afgørelse.
However, for the purposes of this Decision the exact product market definition can be left open.
Hvad angår det geografiske marked, har Kommissionen i sine tidligere afgørelser [35] defineret markederne for livsforsikring som nationale på grund af de nationale distributionskanaler, den etablerede markedsstruktur, skattemæssige restriktioner og forskellige lovgivningssystemer.
In respect of geographical market, the Commission in its previous decisions [35] has defined the markets for life insurance as being national in scope due to national distribution channels, the established market structure, fiscal constraints and different regulatory systems.
Den samme tilgang benyttes i denne sag, og det geografiske marked betragtes som hele Ungarns territorium.
The same approach will be used in the present case and the geographical market will be considered the entire territory of Hungary.
I perioden 2007-2009 var Postas markedsandel under 5 % [36] af markedet for livsforsikringsprodukter og under 1 % [37] for skadesforsikringsprodukter.
Between 2007 and 2009, Posta’s market share was of less than 5 % [36] in the market of life insurance products, and of less than 1 % [37] for non-life insurance products.
Disse tal viser, at markedsandelene for formidling af forsikring også er lave.
These figures indicate that market shares for the intermediation of insurance are also low.
I samme periode var de tre konkurrenters kombinerede markedsandel på henholdsvis 52,29 %, 51,08 % og 50,1 % af markedet for livsforsikringsprodukter og på henholdsvis 54,84 %, 52,56 % og 51,66 % af markedet for skadesforsikringsprodukter.
In the same years, the combined market shares of the first three competitors was of 52,29 %, 51,08 % and 50,1 % respectively in the market of life insurance products, and of 54,84 %, 52,56 % and 51,66 % respectively in the market of non-life insurance products.
I forbindelse med nærværende afgørelse og med forbehold af konkurrencelovgivningen bør der derfor tages hensyn til disse faktorer, som viser, at Posta er undergivet almindelige konkurrencevilkår.
For the purposes of this Decision, and without prejudice to the competition law, these factors should be taken as an indication of direct exposure to competition of Posta’s activity in the insurance market.
På baggrund af de faktorer, der er gennemgået i betragtning 11-77, bør betingelsen om, at den pågældende aktivitet skal være direkte undergivet almindelige konkurrencevilkår, jf. artikel 30, stk. 1, i direktiv 2004/17/EF, anses for at være opfyldt, hvad angår følgende aktiviteter i Ungarn:
In view of the factors examined in recitals 11 to 77, the condition of direct exposure to competition laid down in Article 30(1) of Directive 2004/17/EC should be considered to be met in Hungary for the following activities:
tjenester, der gør det muligt at indsætte penge på en betalingskonto
services enabling cash to be placed on a payment account;
tjenester, der gør det muligt at hæve penge fra en betalingskonto
services enabling cash withdrawals from a payment account;
pengeoverførselstjenester
money transfer services;
formidling af anfordringskonti og relaterede produkter og tjenesteydelser
intermediation of current accounts and the related products and services;
kreditformidling
credit intermediation;
formidling og accept af betalingskort udstedt af kreditinstitutioner
intermediation and acceptance of payment cards issued by credit institutions;
formidling af investeringer og særlige indlån på vegne af andre
intermediation of investments and special purpose savings on behalf of others;
formidling af forsikringsprodukter.
intermediation of insurance products.
Da betingelsen om fri adgang til markedet ligeledes er opfyldt, bør direktiv 2004/17/EF ikke finde anvendelse, når ordregivere indgår kontrakter, hvis formål er at udøve de tjenester i Ungarn, der er anført i betragtning 78, eller når der afholdes konkurrencer med henblik på udøvelse af en sådan aktivitet i Ungarn.
Since the condition of unrestricted access to the market is also met, Directive 2004/17/EC should not apply when contracting entities award contracts intended to enable the services listed in recital 78 to be carried out in Hungary, nor when design contests are organised for the pursuit of such an activity in Hungary.
De finansielle tjenesteydelser, der leveres af Posta, er hjælpetjenester i forbindelse med posttjenester, jf. artikel 6, stk. 2, litra b), i direktiv 2004/17/EF.
The financial services carried out by Posta are auxiliary to postal services as per Article 6(2)(b) of Directive 2004/17/EC.
De posttjenester, der leveres af Posta, er ikke omfattet af denne anmodning om undtagelse, og derfor gælder bestemmelserne i direktiv 2004/17/EF fortsat for disse aktiviteter.
The postal services carried out by the Posta are not subject to this exemption request, therefore for these activities the provisions of Directive 2004/17/EC continue to apply.
I tilfælde af sådanne blandede indkøbskontrakter, hvor formålet primært er at støtte postaktiviteter, finder bestemmelserne i direktiv 2004/17/EF anvendelse.
In the event of such mixed procurement, where the purpose is principally to support postal activities, the provision of Directive 2004/17/EC shall apply.
Denne afgørelse bygger på de retlige og faktiske forhold i juli til oktober 2011, som den fremgår af de oplysninger, som er indgivet af Magyar Posta og den ungarske konkurrencemyndighed.
This Decision is based on the legal and factual situation as of July to October 2011 as it appears from the information submitted by Magyar Posta, and the Hungarian Competition Authority.
Direktiv 2004/17/EF finder ikke anvendelse, når ordregivere indgår kontrakter med henblik på at muliggøre levering af følgende tjenester i Ungarn:
Directive 2004/17/EC shall not apply to contracts awarded by contracting entities and intended to enable the following services to be carried out in Hungary:
Denne afgørelse er rettet til Ungarn i overensstemmelse med traktaterne.
This Decision is addressed to the Republic of Hungary in accordance to the Treaties.
Se anmodning, s. 11.
See application, p. 11.
Eksempel: Af betalingstjenesterne tilbydes internationale postanvisninger kun af 328 postkontorer, og Western Union-pengeoverførsler formidles af 1024 postkontorer.
For example, from among the payment services, international postal money orders service is provided in only 328 postal outlets and Western Union money transfer service provided as intermediary at 1024 postal outlets.
Af tjenester, der leveres på vegne af andre, tilbydes formidling af Posta-kreditkort, formidling af obligationsinvesteringer og visse forsikringsprodukter kun af 343 postkontorer. OTP Banks anfordringskontoprodukter til privatkunder tilbydes af 244 postkontorer, mens erhvervskundekredit kun tilbydes af 45 postkontorer.
From among services provided on behalf of others, intermediation of Posta credit card, intermediation of investment bonds and certain insurance products are offered only at 343 locations, the current account products of OTP Bank for retail customers is offered at 244 postal outlets while corporate credit at only offered in only 45 locations.
Den Europæiske Centralbank, »Payment and securities settlement systems in the European Union: non-euro area countries — Hungary« august 2007.
European Central Bank: ‘Payment and securities settlement systems in the European Union: non-euro-area countries — Hungary’, August 2007.
Europa-Parlamentets og Rådets direktiv 2007/64/EF af 13. november 2007 om betalingstjenester i det indre marked og om ændring af direktiv 97/7/EF, 2002/65/EF, 2005/60/EF og 2006/48/EF og om ophævelse af direktiv 97/5/EF, EUT L 319 af 5.12.2007, s. 1.
Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC (OJ L 319, 5.12.2007, p. 1).
GfK Hungaria: »Internet banking continues to gain ground«, 3. november 2010 http://www.gfk.com/imperia/md/content/gfk_hungaria/pdf/press_h/2010/press_2010_11_03_h.pdf
GfK Hungaria: ‘Internet banking continues to gain ground’, 3 November 2010: http://www.gfk.com/imperia/md/content/gfk_hungaria/pdf/press_h/2010/press_2010_11_03_h.pdf
ATM — forkortelse for Automated Teller Machine.
ATM — abbreviation for automated teller machine.
Relevante markedsandele er beregnet efter den indberettede samlede værdi af transaktionerne.
Relevant market shares where calculated by rapport to the total value of transactions.
Se side 34 i anmodningen.
Please see page 34 of the application.
Se side 32 i anmodningen.
See page 32 of the application.
Den ungarske nationalbank »Nothing is Free: a survey of the social costs of the main payment instruments in Hungary« af Dr. Aniko Turjan, Eva Diveki, Eva Keszy-Harmath, Gergely Koczan og Kristof Takacs, Occasional Paper 93, 2011.
Hungarian National Bank: ‘Nothing is free: a survey of the social costs of the main payment instruments in Hungary’, by Dr Aniko Turjan, EVA Diveki, EVA Keszy-Harmath, Gergely Koczan, Kristof Takacs, Occasional Paper 93, 2011.
Se side 35 og 36 i anmodningen.
See pages 35 and 36 of the application.
POS — forkortelse for Point of Sale.
POS — abbreviation for point of sale.
Se side 36 i anmodningen.
Please see page 36 of the application.
Sag og COMP/M.5384- BNP PARIBAS/FORTIS, side 3.
Case COMP/M.5384 — BNP Paribas/Fortis, p. 3.
Sag COMP/M.4844, Fortis:ABN AMRO Assets.
Case COMP/M.4844, Fortis: ABN AMRO Assets.
Sag COMP/M. 2225 FORTIS/ASR, side 3, COMP/M.5075Vienna Insurance Group/Erste Bank Versicherungssparte og COMP/M.5384- BNP PARIBAS/FORTIS, side 15.
Case COMP/M.2225 Fortis/ASR, p. 3, COMP/M.5075Vienna Insurance Group/Erste Bank Versicherungssparte, and COMP/M.5384- BNP Paribas/Fortis, p. 15.
Switching in case of certain financial products for retail and small entrepreneurial clients — Sector Inquiry — endelig rapport, 5. februar 2009, GVH — den ungarske konkurrencemyndighed.
Switching in case of certain financial products for retail and small entrepreneurial clients — Sector Inquiry — final report, 5 February 2009, GVH — Hungarian Competition Authority.
GVH udførte denne undersøgelse af bankskift for perioden 2002-2006.
GVH performed this study on bank switching for the period 2002-2006.
Switching in case of certain financial products for retail and small entrepreneurial clients — Sector Inquiry — endelig rapport, 5. februar 2009, GVH — den ungarske konkurrencemyndighed, og den tilhørende baggrundsundersøgelse »Information and experience related to switching between banks« summary analysis of the customer market, Millward Brown, september 2006.
Switching in case of certain financial products for retail and small entrepreneurial clients — Sector Inquiry — final report, 5 February 2009, GVH — Hungarian Competition Authority, and the related background study ‘Information and experience related to switching between banks’ summary analysis of the customer market, Millward Brown, September 2006.
Ipsos: Finanacial services, current account services, Summary of the survey of retail customers, januar 2009.
Ipsos: Financial services, current account services, summary of the survey of retail customers, January 2009.
Sag COMP/M.4844, Fortis/ABN AMRO Assets.
Case COMP/M.4844, Fortis/ABN AMRO Assets.
I henhold til supplerende oplysninger indgivet af ansøgeren i brev af 2. september 2011.
According to the supplementary information provided by the applicant in its letter of 2 September 2011.
Sag COMP/M.5241, American Express/Fortis/Alpha Card.
Case COMP/M.5241, American Express/Fortis/Alpha Card.
Sag COMP/M. 3894 Unicredito/HVB; COMP/M.2567 Nordbanken/Postgirot; COMP/M. 3740 Barclays Bank/Foerenngssparbanken/JV, COMP/M. 4844 Fortis/ABN AMRO Assets, COMP/M. 5241 American Express/Fortis/Alpha Card.
Case COMP/M.3894 Unicredito/HVB; COMP/M.2567 Nordbanken/Postgirot; COMP/M.3740 Barclays Bank/Foerenngssparbanken/JV, COMP/M.4844 Fortis/ABN AMRO Assets, COMP/M.5241 American Express/Fortis/Alpha Card.
Konkurrencemyndighedens svar af 15. september 2011 til Kommissionens anmodning om oplysninger af 8. august 2011.
GVH response of 15 September 2011 to Commission letter of request for information of 8 August 2011.
Sag COMP/M. 3740, Barklays Bank/Foereningssparbanken/JV og COMP/M. 2567 Nordbanken/Postgirot.
Case COMP/M.3740, Barclays Bank/Foereningssparbanken/JV and COMP/M.2567 Nordbanken/Postgirot.
Sag COMP/M.3894, Unicredito/HVB og COMP/M.5384 BNP Paribas/FORTIS.
Case COMP/M.3894, Unicredito/HVB, Case COMP/M.5384 BNP Paribas/Fortis.
Sag COMP/M. 2225, Fortis/ASR, COMP/M.1172, Fortis AG/Generale Bank.
Case COMP/M.2225, Fortis/ASR, COMP/M.1172, Fortis AG/Generale Bank.
Sag COMP/M. 4155, BNP Paribas/BNL.
Case COMP/M.4155, BNP Paribas/BNL.
Sag COMP:M. 4284, AXA/Winterhur, sag COMP/M. 5384 BNP Paribas/FORTIS.
Case COMP:M.4284, AXA/Winterhur, Case COMP/M.5384 BNP Paribas/Fortis.
Sag COMP/4047 Aviva/Ark life, sag COMP/M.4284 Axa/Winterthur og sag COMP/M.4701 Generali/PPF Insurance Business.
Case COMP/4047 Aviva/Ark life, Case COMP/M.4284 Axa/Winterthur, Case COMP/M.4701 Generali/PPF Insurance Business.
Sag COMP/M.4284, Axa/Winterthur, sag COMP/M.4701 Generali/PPF Insurance Business og sag COMP/M.2676 Sampo/Vama/IF Holding/JV.
Case COMP/M.4284, Axa/Winterthur, Case COMP/M.4701 Generali/PPF Insurance Business, Case COMP/M.2676 Sampo/Vama/IF Holding/JV.
Sag COMP/M.4284 AXA/Winterthur og sag COMP/M.4844 Fortis/ABN AMRO Assets.
Case COMP/M.4284 AXA/Winterthur, Case COMP/M.4844 Fortis/ABN AMRO Assets.
Sag COMP/M. 5075 Vienna Insurance Group/Erste Bank Versicherungssparte og sag P/M.4844 Fortis/ABN AMRO Assets.
Case COMP/M.5075 Vienna Insurance Group/Erste Bank Versicherungssparte; COMP/M.4844 Fortis/ABN AMRO Assets.
Jf. fodnote 36.
Market share calculated on the basis of premium revenues.
Kommissionen sendte den 8. august 2011 en anmodning om yderligere oplysninger til ansøgeren og til den ungarske konkurrencemyndighed pr. e-mail.
The Commission requested additional information to the applicant and to the Hungarian Competition Authority, by e-mails of 8 August 2011.
Svarene blev modtaget henholdsvis den 2. september og den 15. september 2011.
The respective replies were received on 2 September and on 15 September 2011.
Anmodningen indgivet af Magyar Posta (i det følgende benævnt »Posta«) vedrører forskellige finansielle tjenesteydelser udført af Posta og består af to dele, nemlig betalingstjenester og tjenesteydelser, der udføres på vegne af andre finansielle institutioner.
The request submitted by Magyar Posta (in the following referred to as ‘Posta’) concerns various financial services provided by Posta, and consists of two parts, namely: payment services and services performed on behalf of other financial institutions.
Hver del vedrører igen forskellige finansielle tjenesteydelser, som er samlet under følgende overskrifter som defineret af Posta:
In their turn, each part concerns various financial services that have been grouped under the following headings, as defined by Posta:
I anmodningen anføres to særskilte kategorier af betalingstjenester, nemlig A) eksisterende tjenester og B) tjenester, der efter planen indføres i 2012.
The application lists two distinct categories of payment services, namely: (A) existing services; and (B) services which are planned for introduction in 2012.
Med hensyn til vurderingen i forbindelse med denne afgørelse tages kun de eksisterende tjenester i betragtning, da der ikke foreligger materielle beviser for virkningerne af de planlagte tjenester, hvis og når de gennemføres.
For the purposes of the assessment pertaining to this Decision, only the existing services will be taken into account, as there is no material evidence of the effects which the planned services would have, if and once introduced.
Postas markedsandel for tjenester, der gør det muligt at indsætte penge på en betalingskonto, beregnet som en procentdel af det samlede marked, jf. definitionen, udgjorde [8] 3,91 % i 2007, 3,88 % i 2008 og 4,14 % i 2009.
Posta market share for services enabling cash to be places on a payment account, calculated as a percentage of the total market as defined, represented [8] 3,91 % in 2007, 3,88 % in 2008 and 4,14 % in 2009.
Både mængde- og værdimæssigt skal det bemærkes, at antallet af Posta-transaktioner og deres værdi faldt i 2009 sammenlignet med de to foregående år [9].
In terms of both volume and value, is to be noted that the number of Posta transactions and their value decreased in 2009 compared to previous two years [9].
Postas markedsandel for posttjenester, der gør det muligt at hæve penge fra en betalingskonto, beregnet som en procentdel af den samlede substitutionstjeneste, udgjorde [13] 2,44 % i 2007, 2,49 % i 2008 og 2,61 % i 2009.
Posta’s market share for services enabling cash withdrawals from a payment account, calculated as a percentage of the total substitute service, represented [13] 2,44 % in 2007, 2,49 % in 2008 and 2,61 % in 2009.
Både mængde- og værdimæssigt skal det bemærkes, at antallet af Posta-transaktioner og deres samlede værdi har været faldende i de sidste tre år, hvor data er tilgængelige, nemlig 2007, 2008 og 2009 [14].
In terms of both volume and value, is to be noted that the number of Posta transactions and their total value had a decreasing trend in the last three years for which data are available, namely 2007, 2008 and 2009 [14].
Postas markedsandele beregnet på grundlag af ovennævnte er følgende: Hvad angår privatkundeanfordringskonti og indskud: 1,45 % i 2007, 1,38 % i 2008 og 1,51 % i 2009, mens Postas markedsandele af markedet for erhvervsanfordringskonti og indskudsprodukter var begrænset (0 %) i 2007, 2008 og 2009.
The market shares of Posta, calculated on the basis of the above consideration are as follows: for the retail current accounts and deposits: 1,45 % in 2007, 1,38 % in 2008 and 1,51 % in 2009, while on the market for corporate current account and deposits Posta market shares were negligible (0 %) in 2007, 2008 and 2009.
Disse tal viser, at markedsandelene for formidling af disse finansielle tjenesteydelser ligeledes er lave.
These figures indicate that market shares for the intermediation of these financial services are also low