natgillin/translations-raw huggingface dataset:
Den 19. marts 1985, den 22. oktober og 27. november 1986 og den 4. december 1987 anmeldte Nederlandse Bankiersvereniging en række reglementer, ved tagelser og cirkulærer, udstedt af den selv og af visse af den nederlandske finanssektors øvrige organisationer, til Kommissionen sammen med en række aftaler, hvori den selv eller en af disse organisationer er eller var direkte eller indirekte impliceret.
On 19 March 1985, 22 October and 27 November 1986 and 4 December 1987, the Nederlandse Bankiersvereniging (Dutch Bankers' Association) notified the Commission of regulations, decisions and circulars issued by it and certain other Dutch organizations operating in the financial sector and a number of agreements to which it or one of those organizations is or was directly or indirectly party.
Samtidig anmodede den Kommissionen om at meddele negativattest og derved fastslå, at der ikke fandtes anledning til i medfør af Traktatens artikel 85 at skride ind over for de anmeldte ordninger, men derimod til i henhold til artikel 85, stk. 3, at indrømme fritagelse fra forbuddet i artikel 85, stk. 1.
It asked the Commission to grant negative clearance, certifying that there are no grounds under Article 85 of the Treaty for action to be taken against the provisions notified, or alternatively to grant an exemption, on the basis of Article 85 (3), from the prohibition laid down in Article 85 (1).
efter at have givet de berørte parter lejlighed til at udtale sig vedrørende de af Kommissionen fremførte klagepunkter, jf. artikel 19, stk. 1, i forordning nr. 17, og Kommissionens forordning nr. 99/63/EØF af 25. juli 1963 om udtalelser i henhold til artikel 19, stk. 1 og 2, i Rådets forordning
Having given the parties concerned, in conjunction with Commission Regulation No 99/63/EEC of 25 July 1963 on the hearings provided for in Article 19(1) and (2) of Council
A. De pågældende virksomhedssammenslutninger mer af VDB), Rabobank, Postbank og Bank der Bondsspaarbanken NV har fået en sådan bemyndigelse.
A. The associations of undertakings concerned
Nederlandse Bankiersvereniging (i det følgende benævnt NBV), der blev stiftet i 1949 og har sæde i Amsterdam, har til formål at fremme den nederland ske banksektors interesser i videste forstand.
(most NBV members are also members of the VDB), the Rabobank, the Postbank and the Bank der Bondsspaarbanken NV.
— at harmonisere de betingelser, NBV's medlemmer stiller for deres tjenesteydelser, og at gøre disse tjenesteydelsers benævnelser og de dermed for bundne gebyrer ensartede for således at fremme deres overskuelighed
— trying to ensure uniformity in the terms and conditions under which NBV members provide their services and in the definition of services and the charges attaching to them, so as to ensure greater transparency,
De banker, som er tilsluttet SBC, er Rabobank, medlemmerne af NBV og de banker, der som tilsluttede accepterer SBC's ledelse.
The banks affiliated to the SBC are the Rabobank, the members of the NBV and these banking insitutions accepted by the SBC board as affiliated banks.
— at opretholde en sund konkurrence, men samtidig sorge for, at både det nederlandske bankvæsen og medlemmerne bevarer et stærkt finansielt grund lag, og i tilknytning dertil fastsætte minimumsgebyrer for de tjenesteydelser, som er relevante herfor.
— promoting (while preserving healthy competition) the maintenance of a strong financial basis for Dutch banking and its members and, in that context, establishing minimum charges for relevant services.
De tilsluttede banker skal være i besiddelse af en vis egenkapital eller på anden måde stille garantier for, at de kan opfylde deres forpligtelser.
These affiliated banks must have a given level of own capital or otherwise provide guarantees that they can discharge their obligations.
De fleste af de banker, som er tilsluttet SBC, er tillige medlemmer af NBV og/eller VDB.
Most of the banks affiliated to the SBC are also members of the NBV and/or the VDB.
Alle personer, selskaber og institutioner, der er indført i det officielle register over kreditinstitutter, kan være medlemmer af NBV.
Any individual, company or institution registered in the government register of credit institutions may be a member of the NBV.
Vereniging van Bemiddelaars in Onderhandse Leningen (i det følgende benævnt VBOL), som blev stiftet i 1951 og har sæde i Amsterdam, har til formål at fremme interesser i forbindelse med formidling af private lån.
The Vereniging van Bemiddelaars in Onderhandse Leningen (Association of Intermediaries in Loans against Promissory Notes — VBOL), set up in 1951 and having its registered office in Amsterdam, has the objective of promoting the interests of intermediaries dealing in loans against promissory notes.
Den søger ifølge sine vedtægter at opfylde dette formål ved at harmonisere de betingelser, med lemmerne stiller for deres tjenesteydelser, og ved at gøre disse tjenesteydelsers benævnelser og de dermed forbundne gebyrer ensartede, for således at fremme deres overskuelighed.
According to its statutes, it pursues this objective by trying to ensure uniformity in the terms and conditions under which its members provide their services and by the definition of services and the charges attaching to them, so as to ensure greater transparency.
NBV har ca. 70 medlemmer og omfatter de fleste almindelige banker.
There are some seventy members of the NBV, including most all-purpose (clearing) banks.
Blandt kreditinstitutterne i det omtalte officielle register er det navnlig de kooperative banker, som er tilsluttet Cooperative Centrale Raiffei-sen-Boerenleenbank BV (Rabobank — denne omfatter langt de fleste kooperative banker i Nederlandene), der ikke er medlemmer af NBV, og det samme gælder de banker, som er organiseret i Nederlandse Spaarbankbond, samt Postbank NV (før 1. januar 1986: Postcheque- en girodienst/Rijkspostspaarbank (PCGD/RPS)), som er statsejet.
Of the registered credit institutions, those which are not NBV members include, in particular, the cooperative banks affiliated to the Cooperative Centrale Raiffeisen-Boerenleenbank BV (Rabobank) (the Rabobank includes the great majority of cooperative banks in the Netherlands), the savings banks affiliated to the Nederlandse Spaarbankbond, and the Postbank NV (known, prior to 1 January 1986, as the Postcheque- en girodienst/Rijkspostspaarbank — PCGD/RPS) which is State-owned.
De udfører i øvrigt finansielle tjenesteydelser, som svarer til NBV-med-lemmernes.
They provide financial services which are comparable with those provided by NBV members.
Fysiske og juridiske personer, der yder bistand i forbindelse med optagelse og placering af private lån mod gældsbevis, kan være medlemmer af VBOL.
Membership of the VBOL is open to individuals and companies whose business is to act as intermediaries in the raising and placing of loans against promissory notes.
Ca. halvdelen af VBOL's medlemmer er samtidig medlem mer af NBV og VDB.
About half of the members of the VBOL are also members of the NBV and the VDB.
Blandt disse er navnlig de største banker.
The major banking institutions are members.
College van Overleg der Gezamenlijke Banken (i det følgende benævnt CVO), hvis sekretariat ligger i Amsterdam, var indtil 1. juni 1989 det centrale forhandlingsorgan i sager af fælles interesse for NBV, Rabobank, de banker, som er tilsluttet Nederlandse Spaarbankbond og Postbank, og står for koordinationen mellem disse organisationer.
The College van Overleg der Gezamenlijke Banken (Interbank Consultative Committee — CVO), whose secretariat is in Amsterdam, was until 1 June 1989 the central body for dealing with matters jointly affecting the NBV, the Rabobank, the batiks affiliated to the Nederlandse Spaarbankbond and the Postbank, and it provides coordination between these organizations.
Fra 1. juni 1989 er CVO's aktiviteter blevet overtaget af den nye Nederlandse Vereniging van Banken, som i praksis også vil overtage NBV's og VDB's aktiviteter.
As from 1 June 1989, the CVO's activities have been taken over by the new Nederlandse Vereniging van Banken (Dutch Association of Banks), which will in pratice also take over the activities of the NBV and VDB.
Disse foreninger er til dato ikke blevet afviklet.
These associations however have not to date been wound up.
Privatretlige og offentligretlige juridiske personer samt selskaber uden status som juridisk person med hjemsted i Nederlandene samt virksomheder med hjemsted i udlandet kan være medlemmer af VDB.
The Vereniging voor de Effectenhandel (Association for Trading in Securities — VEH), set up in its original form in 1876 and having its registered office in Amsterdam, has the objective of promoting the interests of securities trading in the broadest sense.
De skal være bemyndiget ifølge gældende nederlandsk lovgivning til at formidle betalingerne mellem valutaindlændinge og valutaudlændinge.
According to its statutes, it pursues this goal by providing a stock exchange room for carrying on
Vereniging voor de Effectenhandel (i det følgende benævnt VEH), der blev stiftet i sin oprindelige form i 1876 og har sæde i Amsterdam, har til formål at fremme værdipapirhandelens interesser i videste for stand.
Membership of the VDB is open to private, public and unincorporated companies established in the Netherlands and to undertakings established abroad.
De Europæiske Fællesskabers Tidende idende
Official journal of the European Communities
(%) 60—65 almindelige banker: papirhandelen, bl.a. vedrørende minimumssatser for provision og gebyrer, som er bindende for medlem­merne.
60—65 cooperative banks (Radobank)
20—25 sparekasser (undtagen RPS, dvs. Postbank): ca. 5
savings banks (excluding RPS or Postbank)
En stor del af VEH's medlemmer er tillige medlemmer af NBV og VDB.
A large number of VEH members are also members of the NBV and the VDB.
C. Procedure i og genstand for denne beslutning
C. The proceeding and the object of this decision
Da NBV i 1985 og 1986 havde anmeldt forskellige ordninger til Kommissionen, meddelte Kommissionen den 5. februar 1987 de under A omtalte virksomheds­sammenslutninger en række klagepunkter, som omfattede størstedelen af de anmeldte ordninger.
On 5 February 1987, following notification by the NBV of various provisions in 1985 and 1986, the Commission sent the associations of undertakings listed under A above a statement of objections covering the vast majority of the provisions so notified.
Som medlemmer af VWM kan navnlig optages fysiske og juridiske personer, der udfører vekselerervirksom­hed på det nationale og/eller internationale penge­og/eller valutamarked.
Membership of the VWM is open to individuals and companies acting as brokers on the national and/or international money and/or exchange markets.
Medlemskab af VWM er imidlertid ikke foreneligt med medlemskab af NBV og VDB.
However, membership of the VWM is not compatible with membership of the NBV and the VDB.
VWM omfatter derfor vekselererfirmaer, der ikke samtidig som almindelige banker eller autoriserede valutahandlere er medlemmer af NBV eller VDB.
The VWM therefore does not include bill brokers who, as all-purpose or foreign exchange banks, are members of the NBV or VDB.
De ordninger, klagepunkterne gjaldt, beskrives nær­mere under D, men drejer sig i øvrigt om de pågæl­dende penge­ og finansieringsinstitutters anvendelse af provisioner, kurser, margener og valørdatoer, fakturering af bestemte omkostninger, bestemte for­mer for kundehvervning og bestemte former for eneret.
The provisions covered by the statement of objections, described more fully in point D, concerned the charging by the relevant financial institutions of commissions, rates and margins, the application of value dates, the invoicing of certain costs, certain forms of soliciting of customers and certain exlcusive arrangements.
Der er forholdsvis snæver forbindelse mellem VWM og VDB (og NBV).
A relatively close link exists between the VWM and the VDB (and NBV).
Desuden har VDB indflydelse på optagelsen af nye medlemmer i VWM og har vetoret i dette spørgs­mål.
Under the statutes of the VWM, the VWM board may propose amendments to statutes and/or regulations only in consultation with the VDB, which also represents the NBV.
Nogle af disse ordninger gjaldt forbindelserne mellem penge­ og finansieringsinstitutterne indbyrdes, andre forbindelser mellem penge­ og finansieringsinstitut­terne og deres kunder (private kunder og/eller er­hvervskunder, som ikke er penge­ eller finansierings­institutter, i det følgende benævnt kunder), medens atter andre af ordningerne gjaldt begge typer forbin­delser.
Some of the provisions concerned relations between financial institutions, others relations between financial institutions and their customers (private and/or business customers whg are not financial institutions; hereinafter referred to as customers), while a number of the provisions concerned both types of relations.
De forskellige typer penge­ og finansieringsinstitutters andel af de samlede indlån i alle hollandske finansie­ringsinstitutter, der i årene 1982 til 1987 er foretaget hos dem, kan anslås til følgende:
In this decision, the Commission grants exemption for two of the provisions thus amended and negative clearance for other amended provisions and for a number of unamended provisions in respect of which, on the basis of the information received, the Commission deemed amendment not to be necessary.
Beslutningen vedrører i særdeleshed ikke:
In particular, the decision does not apply to: savings banks (excluding RPS or Postbank)
— sparekasser (undtagen RPS, dvs. Postbank):
— the general terms and conditions of banking recommended by the NBV to its members,
— aftaler vedrørende samarbejdet mellem finansie­ringsinstitutter om elektroniske transaktioner og betalingskort
— agreements concerning cooperation between financial institutions in respect of electronic transactions and bank cards,
reglement IX om minimumsprovisioner for at stille forskellige former for garanti
— Regulation IX, concerning minimum commissions on the provision of various sorts of guarantees,
Kommissionen forbeholder sig sit standpunkt i forbindelse med nævnte betingelser, regler og aftaler.
The Commission reserves its position on such provisions.
reglement X om minimumsprovisioner for tjene steydelser i forbindelse med inkasso
— Regulation X, concerning minimum commissions on services relating to collection,
D. Ordningerne
D. The provisions minimum including
— reglement XI om minimumsprovisioner for for skellige tjenesteydelser, bl.a. i forbindelse med værdipapirer
— Regulation XI, concerning commissions on various services, services connected with securities,
— reglement XII om fastsættelse af valørdatoer
— Regulation XII, concerning value dating,
Der sondres mellem de ordninger, som er blevet fuldstændigt ophævet af de pågældende parter, og de ordninger, som er blevet videreført enten i den anmeldte form eller i tilpasset form.
A distinction may be made in the other provisions between those which have been withdrawn outright, and those which have been maintained either as notified or amended.
De ophævede ordninger
The provisions which have been withdrawn
Der skal her gives en kort redegørelse for de ophævede ordninger.
The provisions which have been withdrawn are. described briefly below.
En mere indgående beskrivelse af disse ordninger findes i bilaget.
A more detailed description is given in the Annex.
— reglement XIV om minimumsprovisioner i forbindelse med lån mod veksler.
— Regulation XIV, commissions in promissory notes.
Disse reglementer, med numrene fra I til XIV, indeholdt de minimumsbetingelser (fortrinsvis minimumsprovisioner), som skulle stilles af de penge- og finansieringsinstitutter, som er medlemmer af eller tilsluttet NBV, VDB, SBC og VBOL, afhængigt af de typer tjenesteydelser, reglementerne drejede sig om.
The regulations, numbered from I to XIV, stipulated the minimum conditions (mainly minimum commissions) to be applied by financial institutions members of or affiliated to the NBV, VDB, SBC and VBOL, for the various services therein specified to which the regulations applied.
Følgende reglementer eller dele deraf er blevet ophævet: vet:
The following regulations or parts thereof have been withdrawn:
I forbindelse med reglement XI fandtes en ligeledes ophævet aftale mellem NBV, VDB og VEH om minimumsprovisioner for forskellige tjenesteydelser i forbindelse med værdipapirer.
An agreement between the NBV, the VDB and the VEH concerning minimum commissions on various services relating to securities, which was connected with Regulation XI, has also been withdrawn.
De omtalte tjenesteydelser var tjenesteydelser foretaget af medlemmerne af NBV, VBO og VEH til udenlandske finansielle institutter.
The services in question were services performed by members of the NBV, VDB and VEH to foreign financial institutions.
— reglement I, artikel 1 til 14, vedrører bl.a. beregning af omkostninger og afrunding af provisionsbeløb
— Regulation I, Articles 1 to 14, concerning, amongst others, the passing on of costs and the rounding up of figures for commissions,
Foruden denne aftale og de her nævnte reglementer for NBV, VDB, SBC og VBOL har de pågældende parter desuden ophævet følgende ordninger:
In addition to this agreement and the abovementioned regulations of the NBV, VDB, SBC and VBOL, the parties have also terminated the following provisions:
— reglement II om minimumsprovisioner for en række tjenesteydelser, der i almindelighed udføres i forbindelse med betalinger
— Regulation II, concerning minimum commissions on a number of services generally provided in the transfer of payments,
— VWM's reglement om de minimumsprovisioner, VWM's medlemmer skal opkræve for formidling af visse finansielle transaktioner
— a VWM regulation concerning minimum commissions to be charged by VWM members acting as intermediaries in certain financial transactions,
— en aftale mellem VDB og VWM, som gav VWM's medlemmer eneretten til at fungere som mæglere i forbindelse med formidling af valutatransaktio-
— an agreement betwee the VDB and VWM giving VWM members the exclusive right to act as intermediaries for VDB members in foreign exchange transactions,
— reglement IV om minimumsprovisioner i forbindelse med eurocheques og andre garanterede checks reglement V om minimumsprovisioner for transaktioner i forbindelse med fremmede bankssedler og rejsechecks
— Regulation V, concerning minimum commissions on transactions in foreign banknotes and traveller's cheques,
VDB's cirkulære om afskaffelse af telex- og portoomkostninger mellem bankerne indbyrdes.
— a VDB circular concerning the abolition of telex and postage charges between banks and providing for the passing on of such charges to customers, minimum
NBV's cirkulære, som satte nøje grænser for præmiering af banktjenester.
— a NBV circular imposing strict limits on the gifts and bonuses offered on banking services.
Endvidere gjorde Kommissionen sammen med klage punkterne de pågældende parter opmærksom på, at forskellen mellem den fastsatte provision for overførsler mellem valutaindlændinge- og valutaudlændingekonti, der begge var oprettet hos nederlandske banker, og det gebyr på nul, der faktisk gjaldt for overførsler mellem valutaindlændingekonti, ikke kan begrundes med, at der er forskel på de transaktioner, de to typer overførsler kræver, og derfor heller ikke kan forklares med, at der er forskel på omkostningerne. gerne.
In the statement of objections, the Commission had informed the parties concerned that the difference between the commission prescribed for transfer between residents' and non-residents' accounts, where both accounts were held with Dutch banks, and the zero rate of commission in effect charged for transfers between residents' accounts could not be attributed to a difference between the operations that had to be carried out for the two types of transfers and could not therefore be accounted for by cost differences.
Ordningerne begrænsede de pågældende virksomheders muligheder for på grundlag af egen individuelle omkostnings- og rentabilitetssituation at gøre brug af markedsvilkårene og ud fra egen erhvervs- og virksomhedspolitik uafhængigt selv at fastsætte priser og andre betingelser for tjenesteydelser til andre banker og til kunderne.
The provisions restricted the scope for the undertakings concerned — on the basis of their own individual costs and profitability and profiting from the terms and conditions available on the market — to determine independently and individually, as part of their own commercial and business policy, the prices and other conditions to apply to the services they provided to customers or to other banks.
På grundlag af de oplysninger, Kommissionen på dette tidspunkt var i besiddelse af, meddelte den sammen med klagepunkterne de pågældende parter, at anven delse af de forskellige minimumsprovisioner, der var fastsat i de under 18 omtalte reglementer (I til XIV), medførte forskelsbehandling.
On the basis of the information available to it at that time, the Commission had also informed the parties concerned in the statement of objections that the charging of various minimum commissions, as laid down in Regulations I to XIV listed in paragraph 18, resulted in discrimination.
Den eneste ekstra transaktion, der skulle udføres ved overførsel mellem valutaindlændinge- og valutaudlændingekonti, hvis der sammenlignes med transaktionerne i forbindelse med overførsel mellem valuta indlændingekonti, var ifølge NBV's meddelelse, at centralbanken skulle underrettes.
The only additional operation for a transfer between a resident's and a non-resident's account as compared with one between two accounts of a resident was, according to the information provided by the NBV, the notification of the central bank.
Da underrettelse af centralbanken ifølge NBV's meddelelse imidlertid kun var årsag til en af de omkostningsposter, der var grundlaget for den fastsatte provision, kan forskellen på transaktionerne ikke begrunde den provisionsstørrelse, der var fastsat for overførsler mellem valutaindlændinge- og valutaudlændingekonti.
However, since, according to the information provided by the NBV, the cost of the notification of the central bank was only one of a number of costs on the basis of which the commission was prescribed, this single difference could not account for the level of commission prescribed for transfers between residents' and non-residents' accounts.
Således var der navnlig i følgende tilfælde fastsat forskellige gebyrer for sammenlignelige banktjenester: ster:
In particular, different charges were prescribed for comparable banking services in the following cases:
For en række tjenesteydelser var der fastsat gebyrer, der var forskellige, alt efter om disse tjene steydelser blev udført for banker, som var med lemmer af den pågældende sammenslutning, for banker i udlandet eller for andre, der ikke var medlemmer af sammenslutningen.
— in the case of various services, different commissions were prescribed depending on whether the banking services were provided for banks that were members of the association concerned, for banks abroad or for others not members of the relevant association.
I sin meddelelse af klagepunkterne hævdede Kommissionen det standpunkt, at fastsættelsen af de under 22 og 23 omtalte provisioner medførte, at banker, der ikke var medlemmer af de pågældende sammenslutninger, samt kunder og deres leverandører, der fik foretaget overførsler, direkte eller indirekte fik deres konkurrencemæssige stilling forringet på markedet for de produkter eller tjenesteydelser, de skulle levere, fordi de pågældende provisioner forøgede omkost ningerne.
In the statement of objections, the Commission had taken the view that the prescribing of the commissions referred to in paragraphs (22) and (23) meant that banks which were not members of the associations concerned and customers of their suppliers to whom transfers were made were placed directly or indirectly at a disadvantage in competition on the market for the services to be provided by them or the products to be supplied by them, because of the higher costs resulting from the charging of the commj.ssions concerned.