natgillin/translations-raw huggingface dataset:
På baggrund af de oplysninger, VDB har givet Kom missionen, navnlig om markedsdeltagernes faktiske mulighed før arbitrage i denne situation, finder Kom missionen det berettiget at konkludere, at kurserne fastsættes under forhold, hvor konkurrencen kan spille sin rolle, og hvor markedsdeltagernes beslutninger påvirkes af de kurser, som på samme tidspunkt benyttes uafhængigt af den pågældende notering ved transaktioner mellem forskellige andre markedsdeltagere både i og uden før Nederlandene.
In the light of the information provided by the VDB to the Commission, particularly with regard to the real scope for arbitrage available to market participants in such a situation, the Commission considers that it can be concluded justifiably that the rates are established by procedures in which competition can play its role, and that market participants' decisions are also influenced by the rates determined at the same time, outside the framework of these procedures, in other transactions between different parties in the Netherlands and abroad.
Dette cirkulære om yderligere sikkerhed fra kunden i' forbindelse med terminsforretninger i fremmed valuta (nr. 38) begrænser ikke konkurrencen mellem bankerne mærkbart, da disse bevarer deres frihed til at kræve ekstra sikkerhed eller lade være samt til i givet fald at aftale en ordning med kunden, som passer ham bedre.
This circular concerning additional security to be provided by the customer in connection with forward transactions in foreign currencies (see paragraph (38)) does not appreciably restrict competition between banks, since the banks remain free to decide whether or not to request the additional security and, if necessary, to enter into consultation with the customer in order to find an arrangement that is more suitable to him.
Desuden har de middelkurser, som noteres under fastsættelsen, en uforpligtende karakter.
Furthermore, the middle rates determined during the fixing are not mandatory.
Bankerne, vekselererne og de øvrige markedsdeltagere kan på baggrund af markedssituationen og transaktionens art frit aftale de købs- og salgskurser, de selv ønsker.
The banks, bill brokers and other market members are entirely free, in the light of the market situation and the nature of the transaction, to agree on whatever buying and selling rates they want.
Samtidig kan de vælge mellem forskellige muligheder, som anvendelse af middelkurser eller gunstigere eller ugunstigere købs- og salgskurser, med eller uden opkrævning af provisioner.
In so doing, they can choose between various options, such as the application of the middle rates or of more favourable or less favourable buying and selling rates, whether or not coupled with the charging of commissions.
Vedtagelse om taksterne for benyttelsen af portofrie konvolutter
Decision concerning charges for the use of postage-paid envelopes
Aftalen om præmiering af opsparing (nr. 42) begrænser ikke konkurrencen mærkbart, da bankerne bevarer deres frihed til at tilbyde præmier i form af varer eller tjenesteydelser, som indgår i bankernes normale aktiviteter, og da aftalen i øvrigt ikke nævner, hvilke aktiviteter, der skal betragtes som sådanne.
The agreement concerning gifts and bonuses offered as an incentive to savers (see paragraph (42)) does not appreciably restrict competition, since the banks remain free to offer gifts and bonuses in the form of goods or services falling within the area of the normal activities of banks and since, in addition, the agreement does not specify which activities have to be regarded as such.
De konkurrencebegrænsende ordninger
The provisions which restrict competition
Kommissionen betragter følgende bestemmelser som konkurrencebegrænsende: for
The Commission considers that the provisions restrict competition: conditions
Vedtagelse om ensartede betingelser leje af bankbokse
Decision concerning uniform for the hire of safes
Vedtagelsen om takster for portofrie konvolutter (nr. 34) begrænser ikke mærkbart konkurrencen mellem de pågældende banker.
The decision concerning charges for the use of postage-paid envelopes (see paragraph (34)) does not appreciably restrict competition between the banks concerned.
Forsyningen af kunder med portofrie konvolutter har ikke karakter af uafhængig service, for hvilken der eksisterer et separat marked, og er ikke forbundet med nogen særlig bankydelse.
Providing clients with postage-paid envelopes does not have the character of an independent service for which there exists a separate market and is not related to any specific banking service.
Det må antages, at omkostningerne ved at give kunderne portofrie konvolutter udgør en del af de berørte bankers omkostninger og er en relativ ubetydelig del af sådanne omkostninger.
It may be assumed that the cost of providing clients with postage-paid envelopes forms part of the general costs of the banks concerned and is only a relatively insignificant part of such costs.
I denne forbindelse er det relevant, at vedtagelsen stiller bankerne frit i deres afgørelse om, hvorvidt man vil forsyne kunderne med portofrie konvolutter eller ej, ' og i praksis benytter bankerne sig af denne frihed på forskellige måder.
In this connection it is relevant that the decision leaves the banks free to decide whether or not to provide their customers with postage-paid envelopes and that, in practice, the banks make use of this freedom in different ways.
Beslutningen (nr. 33) begrænser de pågældende virksomheders muligheder for på grundlag af deres egen omkostnings- og rentabilitetssituation og som led i deres egen erhvers- og virksomhedspolitik uafhængigt at fastsætte de vilkår og betingelser, de vil pålægge kunderne for leje af bankbokse.
The decision (see paragraph (33)) restricts the scope for the undertakings concerned to determine independently, on the basis of their own costs and profitability and as part of their own commercial and business policy, the terms and conditions which they apply to their customers for the hiring of safes.
De begrænser derved konkurrencen mellem bankerne vedrørende disse tjenesteydelser. nesteydelser.
It thus restricts competition between banks in the provision of this service.
I lyset af ovenstående og i betragtning af PTT's markedsposition i forbindelse med portofrie konvolutter samt under hensyntagen til, at i henhold til de af parterne til Kommissionen fremsendte informationer vedtog eller afsluttede bankerne ikke lignende aftaler for andre produkter eller tjenesteydelser købt af dem, finder Kommissionen, at vedtagelsen ikke mærkbart begrænser konkurrencen mellem bankerne.
In the light of the foregoing and taking into account the market position of the PTT in relation to postage-paid envelopes and having regard to the fact that, according to the information supplied by the parties to the Commission, the banks did not take similar decisions or conclude similar agreements for other products and services to be purchased by them, it appears justified to the Commission to conclude that the decision does not appreciably restrict competition between banks.
Vedtagelsen om salg af gavekort (nr. 35) begrænser heller ikke konkurrencen mellem de pågældende
The decision concerning the sale of gift vouchers (see paragraph (35)) does not appreciably restrict
89 pågældende parters oplysninger, kun i ubetydeligt omfang benyttes af brugere fra andre medlemsstater.
89 concerned, insignificant use is made of it by consumers from other Member States.
Desuden tilbydes disse tjenesteydelser kun i ubetydeligt omfang af nederlandske filialer af banker i andre medlemsstater (disse filialer er en integrerende del af de pågældende banker, som gennem dem beskræftiger sig direkte med mellemstatslig udveksling af tjenesteydelser). ydelser).
Furthermore, branches of banks from other Member States established in the Netherlands (branches which form an integral part of such banks and which are therefore directly involved in trade in services between Member States) hardly ever offer safes for hire.
Aftale om overførsel af visse bidragsydelser (actie-accepten)
Agreement concerning transfers to fund-raising acceptances competition, since they limit the scope for the banks concerned to agree, bilaterally with one another, even more simplified and rapid processing procedures and, consequently, also more favourable value dates.
Denne aftale påvirker heller ikke handelen mellem medlemsstater mærkbart.
This agreement similarly does not have any appreciable effect on trade between Member States.
De pågældende tjenesteydelser kan kun udføres af banker med hjemsted i Nederlandene, og foretages kun i ringe omfang af filialer af banker fra andre medlemsstater.
The services concerned may be provided only between banks established in the Netherlands, with branches of banks from other Member States participating to no more than an insignificant extent.
Desuden har de pågældende overførsler i kraft af deres velgørende formål ingen eller kun ringe forbindelse med samhandelen og den øvrige udveksling af tjenesteydelser mellem medlemsstaterne.
Furthermore, because of their predominantly charitable objective, the transfers concerned have little or no connection with trade in goods or services between Member States.
Det må endvidere antages, at ingen eller så godt som ingen af de modtagere, som er de endelige forbrugere af disse tjenesteydelser mellem bankerne, er hjemmehørende i andre med lemsstater.
Finally, it may be assumed that the drawees, which are the final consumers of the relevant interbank services, include no or virtually no drawees established in other Member States.
Ordninger, som påvirker samhandelen mellem med lemsstater
The provisions which affect trade between Member States
De i nr. 54, 55 og 56 nævnte bestemmelser begrænser konkurrencen mærkbart.
The provisions referred to in paragraphs (54) to (56) restrict competition to an appreciable extent.
De banker, der berøres af disse bestemmelser, har over 90 % af det totale indlån og aktiver for de banker, der opererer i Holland.
The banks involved in these provisions account for more than 90% of total deposits and assets of the banks operating in the Netherlands.
Da det her drejer sig om clearing af checks, hvor mindst en af parterne er valutaudlænding i Nederlandene, påvirker cirkulærerne betalingssamkvemmet mellem medlemsstaterne og, hvad cirkulæret om checks i fremmed valuta angår, valutahandelen mellem medlemsstaterne.
Since this applies to the clearing of cheques in respect of which at least one non-resident in the Netherlands is involved, the circulars affect the transfer of payments and foreign exchange dealings between Member States.
Påvirkning af handelen mellem medlemsstater
Effect on trade between Member States
B. Artikel 85, stk. 3
B. Article 85 (3)
Følgende konkurrencebegrænsende ordninger påvirker efter Kommissionens opfattelse ikke handelen mellem medlemsstater mærkbart:
In the Commission's view, the following provisions which restrict competition do not appreciably affect trade between Member States:
Cirkulærerne om forenklede clearingprocedurer for checks i gylden og i fremmed valuta opfylder af nedenstående grunde de i artikel 85, stk. 3, nævnte betingelser for fritagelse.
The circulars concerning simplified clearing procedures for cheques denominated in guilders or foreign currencies meet the conditions required for exemption under Article 85 (3) for the following reasons.
Forbedring af bankernes tjenesteydelser
Improvement in the supply of banking services
Vedtagelse om ensartede betingelser for leje af bankboks
Decision concerning uniform for the hire of safes
Denne ordning påvirker ikke handelen mellem med lemsstater mærkbart, da den i kraft af sin karakter ikke, eller næsten ikke, har nogen forbindelse med samhandelen og den øvrige udveksling af tjenesteydelser mellem medlemsstaterne, og da de, ifølge de
These provisions do not appreciably affect trade between Member States, since this service has, by its nature, little or no connection with trade between Member States in goods or services, and since, according to the information provided by the parties
Cirkulærerne medfører en forbedring af betalingssystemet.
The circulars result in an improvement in the payments system.
Anvendelsen af ensartede procedurer og brugen af ensartede formularer samt det forhold, at checkene ikke længere behøver at sendes til indløsning i den pågældende bank, men efter et kort tidsrum kan debiteres den pågældende bank af modtagerbanken,
The application of uniform procedures and the use of standard forms together with the fact that cheques no longer have to be sent for collection to the relevant banks, but may, after a short period, be debited by the drawee bank against the
Nr. L 253/11 for et foreløbigt tidsrum på ti år af hensyn til konkurrencebegrænsningernes rækkevidde og til muligheden for, at den teknologiske udvikling kan medføre forandringer.
No L 253/11 extent of the restrictions of competition and the possible changes which may result from technological development.
forenkler bankernes virksomhed.
bank concerned, simplify the activities of the banks.
At clearingsproceduren i de enkelte banker centraliseres hos en eller nogle få af deres filialer, bidrager også hertil.
The centralization of the application of the clearing procedure by each bank at one or only a few of its offices also contributes to this.
Der sker således en fremskyndelse af checkclearingsproceduren.
The clearing of cheques is thus carried out more rapidly.
Fordel for forbrugerne
Benefit to consumers
Forbrugerne får en rimelig andel af de således opnåede fordele, idet cirkulærerne bevirker, at checkmodtagerne bliver krediteret hurtigere, end det var tilfældet med den normale opkrævningsprocedure, som anvendtes før indførelsen af den forenklede procedure. dure.
Consumers receive a fair share of the improvements thus achieved, since the circulars result in the recipients of cheques being credited more rapidly than was the case with the normal collection procedures applied before the introduction of the simplified procedures.
Begrænsningernes nødvendighed
Indispensable nature of the restrictions
Efter de forhold, Kommissionen har kendskab til, finder den ikke anledning til efter EØF-Traktatens artikel 85, stk. 1, at skride ind mod følgende af Nederlandse Bankiersvereniging anmeldte ordninger:
On the basis of the facts known to it, the Commission finds no grounds for action to be taken under Article 85 ( 1 ) of the EEC Treaty against the following provisions notified by the Nederlandse Bankiersvereniging:
— reglement I (indledning), artikel 15 til 19
— Regulation I (Introduction), Articles 15 to 19,
— reglement XIII (valutatransaktioner), reglement for valutanoteringsudvalget, i den ved cirkulære af 12. april 1989 til medlemmerne af Vereniging van Deviezenbanken fra samme forening fremsendte udgave
— Regulation XIII (foreign exchange transactions), Regulation concerning the Valutanoteringscommissie, in the version communicated to the members of the Vereniging van Deviezenbanken by circular of 12 April 1989 of this association,
— vedtagelse om ensartede betingelser for leje af bank boks
— Decision concerning uniform conditions for the hire of safes,
— vedtagelse om takster for benyttelse af portofrie konvolutter lutter
— Decision concerning the sale of gift vouchers
— vedtagelse om salg af gavekort
— circular concerning forward transactions in foreign currencies,
— cirkulære om terminsforretninger i fremmed valuta
— circular concerning own-account dealing by foreign exchange dealers,
— cirkulære om funktionærers valutahandel for egen regning ning
—■ circular laying down guidelines for Swift and other payment transfers in foreign currencies between foreign currency banks,
Cirkulærerne sætter ikke de pågældende banker i stand til at udelukke konkurrencen for en væsentlig del af de pågældende tjenesteydelser, da de ikke opstiller direkte regler for forbindelserne mellem bankerne og deres kunder.
The circulars do not afford the banks concerned the possibility of eliminating competition in respect of a substantial part of the services in question, since they do not directly govern relations between the banks and their customers.
Bankerne er stadig frit stillet, når det gælder fastsættelse af de valørdatoer, de benytter over for deres kunder.
The banks remain free to determine the value dates which they apply to their customers.
Desuden er de valørdatoer, der benyttes i forbindelse med checkclearing, ikke konkurrencens eneste spillerum på checkområdet.
Furthermore, the value dates applied in clearing cheques are not the only area in which competition with regard to cheques takes place.
Endelig har checkmodtagerne valget mellem at acceptere checken eller modtage andre former for betaling.
Ultimately, the recipients of cheques have the choice between accepting cheques and other forms of payment.
— aftale om de såkaldte åbne telefonlinjer
— agreement concerning open-open telephone lines,
— aftale om præmiering af opsparing
— agreement concerning gifts and bonuses offered as an incentive to savers,
— aftale om overførsel af visse bidragsydelser.
— agreement concerning transfers relating to fund-raising acceptances.
I medfør af artikel 6, stk. 1, i forordning nr. 17 får denne beslutning virkning den 10. maj 1988, det tidspunkt, hvor VDB sendte Kommissionen den ændrede udgave af de cirkulærer, som er genstand for den i denne beslutning indrømmede fritagelse.
Pursuant to Article 6 (1) of Regulation No 17, this Decision takes effect on 10 May 1988, the date on which the VDB sent the Commission the amended version of the circulars to which the exemption provided for in this Decision relates.
I medfør af artikel 8, stk. 1, i forordning nr. 17 indrømmes den i denne beslutning fastsatte fritagelse
Pursuant to Article 8 (1) of Regulation No 17, the exemption resulting from this Decision is granted for an initial period of ten years, having regard to the
I henhold til EØF-Traktatens artikel 85, stk. 3, erklæres bestemmelserne i artikel 85, stk. 1, for perioden 10. maj 1988 til 9. maj 1998 unanvendelige på de af Verenining van Deviezenbanken udfærdigede cirkulærer om forenklede clearingsprocedurer for checks i gylden og i fremmed valuta.
Pursuant to Article 85 (3) of'the EEC Treaty, the provisions of Article 85 (1) are hereby declared inapplicable for the period from 10 May 1988 to 9 May 1998 to the circulars drawn up by the Vereniging van Deviezenbanken concerning simplified clearance procedures for cheques denominated both in guilders and in foreign currencies.
Artikel 3 medlemmerne af det tidligere College van Overleg van de Gezamenlijke Banken, som ud over Nederlandse Bankiersvereniging er følgende:
Article 3
Vereniging van Deviezenbanken forpligtes til straks at underrette Kommissionen om enhver direkte eller indirekte supplering eller ændring af de i artikel 2 nævnte cirkulærer. lærer.
— the members of the former College van Overleg van de Gezamenlijke Banken, which are, in addition to the Nederlandse Bankiersvereniging, the following:
Denne beslutning er rettet til følgende virksomhedssammenslutninger og virksomheder:
This Decision is addressed to the following associations of undertakings and undertakings:
De i beslutningens nr. 18, 19 og 20 omtalte ordninger drejede sig nærmere betegnet om folgende betingelser, som skulle indføres af de pågældende penge- og finansieringsinstitutter.
The provisions referred to in paragraphs (18), (19), and (20) of the Decision related more specifically to the following conditions to be applied by the financial institutions concerned.
Reglement I (indledning), artikel 1 til 14
Regulation I (Introduction), Articles 1 to 14
Disse bestemmelser indeholder forskellige regler af generel karakter som medlemmerne af NBV, VDB, SBC og VBOL skal følge, når andre reglementer skal anvendes.
These provisions contained various rules of a general character to be complied with by NBV, VDB, SBC and VBOL members when applying the other regulations.
Reglerne er specielt forbundet med ansvar for betalingen af provisioner og omkostninger, og om, hvorledes provisionerne skal angives på opgørelserne.
The rules related in particular to liability to the payment of commissions and charges and to the way in which commissions are mentioned on invoices.
Bestemmelserne fastsætter endvidere, at alle beløb, som opkræves på grundlag af reglementerne, skal rundes op til nærmeste 0,10 hfl. eller et multiplum deraf. Yderligere skal medlemmerne, når de anvender mindste provisioner, opkræve deres kunder alle tredjemands omkostninger, såsom postgebyr, meddelelses- og korrespondanceomkostninger.
The rules also provided that all the amounts to be charged on the basis of the regulations had to be rounded up to the nearest 0,10 guilders or a multiple thereof and, furthermore, that, in applying the minimum commissions, the members must pass on to their clients all third-party costs such as postage, communication and correspondence costs.
Reglement II (almindelige betalinger)
Regulation II (transfer of payments in general)
Dette reglement, som gjaldt for NBV's medlemmer, fastsatte minimumsprovisioner for en række tjenesteydelser, der normalt udføres i forbindelse med betalinger:
This Regulation, which applied to NBV members, laid down minimum commissions for a number of services generally involved in the transfer of payments:
— provisioner, som bankerne skulle opkræve af deres kunder i forbindelse med telefonisk modtagelse og behandling af ordrer, indbetaling på tredjemands konto gennem kassen, betalinger til ikke-konto-havere og udstedelse af checks på den· pågældende bank eller en bank i udlandet (artikel 1 til 5 og 9)
— commissions which the banks had to charge their customers for services relating to the receipt and processing of orders by telephone, cash transfers to accounts of third parties, payments to non-account-holders and the drawing of cheques on the bank concerned or on a bank abroad (Articles 1 to 5 and 9).
— provisioner, som bankerne skulle opkræve både kunder og hinanden for ydelser i forbindelse med kontante kreditter (artikel 6 til 8).
— commissions which the banks had to charge both customers and each other for services relating to cash credits (Articles 6 to 8).
Ifølge dette reglement skulle NBV's medlemmer opkræve minimumsprovisioner af deres kunder for ekspedition af checks i gylden, som ikke var eurocheques eller på anden måde garanterede fnrtikel 1 ),ogfor at ekspedere betalinger i fremmed valuta mellem valutaindlændinge, såvel ved overførsler som ved checks (artikel 2).
Under this Regulation, NBV members had to charge their customers minimum commissions for handling cheques denominated in guilders, other than ordinary and Eurocheques (Article 1 ), and for processing and carrying out payments in foreign currencies between residents, both by transfer and by cheque (Article 2).
Dette reglement, som VDB's og SBC's medlemmer var bundet af, fastsatte minimumsprovisioner, som bankerne skulle opkræve af deres kunder for udstedelse af eurochequekort (artikel 1), for kontant udbetaling og indløsning af eurocheques på belob over 500 hfl. (artikel 2), og for kontant udbetaling og indløsning af checks, som er garanteret af en bank i udlandet, men som ikke er uniforme eurocheques (artikel 3).
This Regulation, applicable to VDB and SBC members, laid down minimum commissions which the banks had to charge their customers for issuing Eurocheque cards (Article 1); for the cashing of Eurocheques of an amount greater than 500 guilders (Article 2); and for the cashing of cheques guaranteed by a bank abroad other than standard Eurocheques (Article 3).
Reglement V (rejseforretninger)
Regulation V (transactions relating to travel)
Ifølge dette reglement skulle VDB's medlemmer opkræve minimumsprovisioner:
Under this Regulation, VDB members had to charge minimum commissions:
— af deres kunder for køb og salg af fremmede banksedler eller rejsechecks (artikel 1 og 2)
— to their customers, for the buying or selling of foreign banknotes or traveller's cheques (Articles 1 and 2),
— af banker i udlandet for indlevering af den pågældende udenlandske banks rejsechecks til et VDB-medlem (artikel 3).
— to banks abroad, for the deposit with a VDB member of traveller's cheques of the foreign bank concerned (Article 3).
Ifølge dette reglement skulle VDB-medlemmerne opkræve miminumsprovisioner:
This Regulation required VDB members to charge minimum commissions: