natgillin/translations-raw huggingface dataset:
The small increase in margins in Estonia was the result of reviving tensions in the external environment at the end of 2011.
Väliskeskkonna pingestumine2011. aasta lõpus põhjustas ka Eesti laenuturul marginaalide väikese tõusu.
Nevertheless, the average interest rate on housing loans decreased by 40 basis points during the first four months of this year.
Sellest hoolimata alanes eluasemelaenude keskmine intressimäär 2012. aasta esimese nelja kuu jooksul 40 baaspunkti võrra.
Six-month EURIBOR, at the same time, declined by more than 60 basis points.
Kuue kuu EURIBOR vähenes samal ajal üle 60 baaspunkti.
The average interest rate on long-term corporate credit was 3.8% in April.
Ettevõtetele antud pikaajaliste laenude keskmine intressimäär oli aprillis 3,8%.
The share of loans overdue by more than 60 days in the loan portfolio declined in April after a three-month standstill, reaching 4.6%.
Üle 60 päeva maksetähtaega ületavate laenude osakaal laenuportfellis alanes aprillis pärast kolm kuud kestnud paigalseisu 4,6 protsendini.
The loan quality has improved owing to the relatively favourable external environment, but writing off uncollectible loans has also played a role here.
Ühelt poolt on laenukvaliteet paranenud tänu suhteliselt soodsale majanduskeskkonnale, kuid teisalt mõjutab seda jätkuvalt lootusetute laenude bilansist väljakandmine.
Annual deposit growth accelerated to 9%.
Hoiuste aastakasv kiirenes 9 protsendini.
By end-April, deposit volume was 8.3 billion euros.
Hoiuste maht ulatus kuu lõpus 8,3 miljardi euroni.
Corporate long-term loans and leases issued per month by economic sectors
Ettevõtetele kuu jooksul väljastatud pikaajaliste laenude ja liisingute maht
Share of loans overdue by more than 60 days and write-downs in the portfolio
Üle 60 päeva maksetähtaega ületavate laenude ja laenuallahindluste osakaal portfellis
Lipstok, who heads Estonia’s central bank, made the remarks in an interview in Tallinn yesterday.
Lipstok, who heads Estonia’s central bank, made the remarks in an interview in Tallinn yesterday.
On Greece:
On Greece:
"I’m quite sure that all so-called problematic states will find a solution.
"I’m quite sure that all so-called problematic states will find a solution.
Greek elections are ahead but I’m quite sure Greece will find a way to be in the euro area.
Greek elections are ahead but I’m quite sure Greece will find a way to be in the euro area.
I hope they will remain a member.
I hope they will remain a member.
But there are no guarantees."
But there are no guarantees."
"It’s very difficult to say for how long the crisis will last but I hope that all countries that have programs understand their problems and implement their measures.
"It’s very difficult to say for how long the crisis will last but I hope that all countries that have programs understand their problems and implement their measures.
Some countries have been more successful than others."
Some countries have been more successful than others."
"I hope that after the elections the new Greek government will really present some steps and fulfill the promises the previous government has made.
"I hope that after the elections the new Greek government will really present some steps and fulfill the promises the previous government has made.
They must implement."
They must implement."
On talk about a Greek exit:
On talk about a Greek exit:
"We never officially talked about an exit.
"We never officially talked about an exit.
Maybe there were some non-official talks of council members outside the council.
Maybe there were some non-official talks of council members outside the council.
We have to be very careful about what we say in order not to create any speculation, especially since we officially didn’t speak about the possibility of an exit."
We have to be very careful about what we say in order not to create any speculation, especially since we officially didn’t speak about the possibility of an exit."
"Different groups, the finance ministers for example, are speaking more openly about it and it’s understandable."
"Different groups, the finance ministers for example, are speaking more openly about it and it’s understandable."
On the biggest challenge for Europe:
On the biggest challenge for Europe:
"We have to rebuild confidence.
"We have to rebuild confidence.
All these structural reforms in Greece and other countries that are struggling have to be done.
All these structural reforms in Greece and other countries that are struggling have to be done.
Estonia is in quite a good situation, as are a lot of other euro-area countries.
Estonia is in quite a good situation, as are a lot of other euro-area countries.
That means we don’t have a euro- area crisis.
That means we don’t have a euro- area crisis.
It’s a crisis of some member states.
It’s a crisis of some member states.
And these member states must do the steps they have planned.
And these member states must do the steps they have planned.
Greece is much more problematic because the elections didn’t give very conclusive results but political powers in Greece seem to understand that the next result must be clearer.
Greece is much more problematic because the elections didn’t give very conclusive results but political powers in Greece seem to understand that the next result must be clearer.
But we have to accept the will of the Greek people.
But we have to accept the will of the Greek people.
First of all, they have to say yes or no."
First of all, they have to say yes or no."
On the ECB excluding Greek banks from refinancing operations:
On the ECB excluding Greek banks from refinancing operations:
"It’s a short-term step, which could soon be over."
"It’s a short-term step, which could soon be over."
"There was no decision made to keep this step secret."
"There was no decision made to keep this step secret."
On Spain:
On Spain:
"Spain already presented a lot of very necessary steps and I hope Spain’s new government and the prime minister continue on this way.
"Spain already presented a lot of very necessary steps and I hope Spain’s new government and the prime minister continue on this way.
He understands very clearly what needs to be done and that’s a very positive thing for me.
He understands very clearly what needs to be done and that’s a very positive thing for me.
They will do all the necessary steps.
They will do all the necessary steps.
No bailout."
No bailout."
On growth initiatives:
On growth initiatives:
"All the structural reforms will lead to growth.
"All the structural reforms will lead to growth.
I’m a Merkel supporter."
I’m a Merkel supporter."
On ECB non-standard measures:
On ECB non-standard measures:
"We are working to fulfill our mandate.
"We are working to fulfill our mandate.
Of course, the stimulus measures can be presented if necessary and we presented.
Of course, the stimulus measures can be presented if necessary and we presented.
At this moment, we’re ready and looking very carefully on what’s happening in the market and if necessary we present these measures again.
At this moment, we’re ready and looking very carefully on what’s happening in the market and if necessary we present these measures again.
At the moment, there’s no need."
At the moment, there’s no need."
"We have a lot of possibilities to intervene in the market.
"We have a lot of possibilities to intervene in the market.
But every intervention needs a Governing Council decision.
But every intervention needs a Governing Council decision.
We are ready to discuss.
We are ready to discuss.
We’ve talked about these measures before and if necessary we continue this discussion.
We’ve talked about these measures before and if necessary we continue this discussion.
But every new decision will come via the Governing Council.
But every new decision will come via the Governing Council.
And now it’s not very necessary to present any new measures."
And now it’s not very necessary to present any new measures."
"We haven’t talked about any new measures that we haven’t used before."
"We haven’t talked about any new measures that we haven’t used before."
On interest rates:
On interest rates:
"We didn’t discuss cutting rates below 1 percent in our meetings.
"We didn’t discuss cutting rates below 1 percent in our meetings.
If people have discussed this outside the meeting, I don’t know.
If people have discussed this outside the meeting, I don’t know.
I think it’s technically possible but it needs some preparation work."
I think it’s technically possible but it needs some preparation work."
"It wasn’t on the table so it’s difficult to say who’d be in favor and who wouldn’t.
"It wasn’t on the table so it’s difficult to say who’d be in favor and who wouldn’t.
First, we need some information on whether the transmission channels are working or not.
First, we need some information on whether the transmission channels are working or not.
The first half of the year is meant for analyses."
The first half of the year is meant for analyses."
On the growth outlook:
On the growth outlook:
"It’s clear that the outcome for the beginning of the year was better than we expected, and the logical conclusion is that the figure for this year should be better.
"It’s clear that the outcome for the beginning of the year was better than we expected, and the logical conclusion is that the figure for this year should be better.
But does that mean the risks have significantly diminished?
But does that mean the risks have significantly diminished?
I can’t say that.
I can’t say that.
Up to the moment, it’s not clear what was behind these nice figures."
Up to the moment, it’s not clear what was behind these nice figures."
"My worry-level is similar to that from the beginning of the year.
"My worry-level is similar to that from the beginning of the year.
It’s too early to say that I worry less."
It’s too early to say that I worry less."
On the inflation outlook:
On the inflation outlook:
"Inflation risks are coming down.
"Inflation risks are coming down.
The outlook now is a bit better than it was at the beginning of the year."
The outlook now is a bit better than it was at the beginning of the year."
On Estonia adopting the euro:
On Estonia adopting the euro:
"It was the right thing to do.
"It was the right thing to do.
Estonia is a small country.
Estonia is a small country.
And fortunately our economy is on the right track and in order.
And fortunately our economy is on the right track and in order.
The euro has given us a lot of additional confidence from the market.
The euro has given us a lot of additional confidence from the market.
This trust itself is quite important."
This trust itself is quite important."
On euro-area expansion:
On euro-area expansion:
"I think the euro area is ready to take in new members that are fulfilling the criteria.
"I think the euro area is ready to take in new members that are fulfilling the criteria.
Some of the candidates are very keen to present their convergence reports, for example Latvia.
Some of the candidates are very keen to present their convergence reports, for example Latvia.
We are ready from the ECB side but I don’t know what’s happening in Brussels."
We are ready from the ECB side but I don’t know what’s happening in Brussels."
"The Greek crisis is the Greeks’ crisis.
"The Greek crisis is the Greeks’ crisis.
We must overcome these problems.
We must overcome these problems.
The euro area is a successful project and it must continue."
The euro area is a successful project and it must continue."
On Estonian house prices:
On Estonian house prices:
"The Estonian economy is going its normal way.
"The Estonian economy is going its normal way.
Despite a 10 percent increase, housing prices are still 35 percent to 40 percent below the boom-time peak.
Despite a 10 percent increase, housing prices are still 35 percent to 40 percent below the boom-time peak.
If we’re looking at our loans, they are going up very, very slowly."
If we’re looking at our loans, they are going up very, very slowly."
On Draghi and Trichet:
On Draghi and Trichet:
"Trichet and Draghi both are very good presidents.
"Trichet and Draghi both are very good presidents.
Draghi is very active.
Draghi is very active.
Both are very big idols for me.
Both are very big idols for me.
Trichet was very thorough and detailed in his discussions.
Trichet was very thorough and detailed in his discussions.
Draghi is thorough too but he is very active.
Draghi is thorough too but he is very active.
Italian."
Italian."
The situation in the labour market improved in the first quarter of 2012 compared to the fourth quarter of 2011.
Tööturu olukord paranes 2012. aasta esimeses kvartalis 2011. aasta neljanda kvartaliga võrreldes.
Based on Eesti Pank’s estimates, seasonally adjusted employment picked up in the first quarter after a small decline.
Statistikaameti andmetel kiirenes hõive kasv aasta võrdluses 3,9%ni ja hooajaliselt korrigeeritud hõive hakkas pärast väikest langust Eesti Panga hinnangul esimeses kvartalis taas suurenema.
The developments in employment reflect the short-term slowdown in economic growth at the end of 2011 and the recovery of growth at the beginning of this year.
Hõive arengus peegeldus majanduskasvu lühiajaline pidurdumine 2011. aasta lõpus ning kasvu taastumine selle aasta alguses.
The unemployment rate usually increases more substantially in the first quarter due to seasonality, but this time the creation of new jobs in the services sector offset the seasonal decrease in jobs in the construction and manufacturing sectors.
Tavaliselt tõuseb töötuse määr esimeses kvartalis hooajalistel põhjustel märksa enam, kuid seekord tasakaalustas töökohtade loomine teenindussektoris hooajalise kahanemise ehituses ja tööstuses.
Persisting regional differences are still a concern: unemployment in Ida-Virumaa in eastern Estonia remains at 18.8%, which is more than 7 percentage points higher than Estonia’s average.
Murettekitav on regionaalsete erinevuste püsimine – Ida-Virumaal on tööpuudus endiselt 18,8%, mis ületab Eesti keskmist enam kui 7 protsendipunkti võrra.
This refers to the low mobility of the labour force.
See näitab, et tööjõu geograafiline mobiilsus on väike.
Based on the flash estimate of economic growth in the first quarter, productivity grew slower than wages, which points to increased inflationary pressures.
Esimese kvartali majanduskasvu kiirhinnangu põhjal jäi tootlikkuse kasv alla palgakasvule, mis viitab tööturult tuleneva inflatsioonisurve tugevnemisele.
Growth was mainly supported by domestic demand, which continued recovering from the slump of a couple of years ago.
Kasvu panustas peamiselt sisenõudlus, mis jätkas taastumist paari aasta tagusest langusest.
On the other hand, electric energy imports increased and exports declined in March, because of the cheapening of electricity in Nordic countries owing to the high share of hydro power.
Teisalt vähenes märtsis elektrienergia eksport ja kasvas import, mille taga oli tõenäoliselt hüdroenergia suhteliselt suurest osakaalust tingitud elektri odavnemine Põhjamaades.
For instance, the seasonally adjusted volume indices of industrial production and retail sales, which both increased in January and February, dipped in March.
Sellest annab märku kas või asjaolu, et nii jaanuaris kui ka veebruaris kasvanud tööstustoodangu ja jaemüügi sesoonselt tasandatud mahuindeksid pöördusid märtsis kuu võrdluses langusse.
Although Estonia’s economic situation was favourable in the first quarter of 2012, the uncertainty deriving from the European sovereign debt crisis may nevertheless result in some problems in the near term.
Eesti majanduse olukord oli esimeses kvartalis hea, ent Euroopas valitseva võlakriisiga seotud ebakindlus võib lähiajal siiski heitlikkust põhjustada.
For further information:  Ingrid Mitt  Eesti Pank  Public Relations Office  Eurosystem  Telephone: +372 668 0965, +372 512 6843  E-mail: ingrid.mitt [at] eestipank.ee  Media queries: press [at] eestipank.ee
Lisateave:  Ingrid Mitt  Eesti Pank  eurosüsteem  avalike suhete allosakond   tel: 668 0965, 512 6843  e-post: ingrid.mitt [at] eestipank.ee
Eurostat’s flash estimate shows that euro area inflation was 2.6% in April.
Euroala inflatsioon ulatus aprillis Eurostati esialgsel hinnangul 2,6 protsendini.
Estonia’s domestic demand has been rather resistant to the languishing external environment.
Eesti sisenõudlus on kiratsevale väliskeskkonnale vaatamata seni hästi vastu pidanud.
Retail sales volumes soared at the start of the year.
Käesoleva aasta alguses kasvas Eesti jaekaubanduse müügimaht jõudsalt.
This was supported by the notable improvement in the labour market situation over the past year and the continuation of wage growth in recent months.
Seda toetas tööturu olukorra märkimisväärne paranemine möödunud aastal ja jätkuv palgakasv viimastel kuudel.
Looking at core inflation, the inflation of the services, where labour costs make up the majority of expenditure, accelerated along with wage growth.
Koos palgatõusuga kiirenes viimastel kuudel alusinflatsioonis nende teenuste inflatsioon, mille tööjõukulud moodustavad suurema osa kuludest.
The price of food grew 0.5% in April, mostly due to the price shocks of some single goods groups.
Toit kallines aprillis 0,5 protsenti, mille tingis eelkõige üksikute kaubagruppide järsk hinnatõus.
Price changes of food commodities in the global market have not added to inflation recently.
Toidutoorme hindade muutused maailmaturul ei ole viimasel ajal enam olulist inflatsioonilisa põhjustanud.
Energy price pressures eased somewhat in April and the global-market price of crude oil declined by about 3% (in euro) during the last two weeks of the month.
Energia hinnasurve andis aprillis mõnevõrra järele ja toornafta odavnes aprilli kahe viimase nädala jooksul maailmaturul eurodes arvestatuna ligikaudu 3 protsenti.
However, the share of motor fuels in Estonia’s inflation was 0.1pp, month-on-month.
Mootorikütuste hinnatõus suurendas Eesti inflatsiooni aprillis kuu arvestuses siiski 0,1 protsendipunkti võrra.
Pressures deriving from the labour market play an important role in future inflation developments.
Inflatsiooni edasise arengu seisukohalt on muu hulgas oluline tööturult tulenev surve.
If the rapid wage growth does not slow, it may prevent inflation from slowing as well.
Kui viimase aja kiire palgakasv ei alane, võib see pidurdada ka inflatsiooni aeglustumist.
For further information: Ingrid Mitt  Eesti Pank  Public Relations Office  Eurosystem  Telephone: +372 668 0965, +372 512 6843  E-mail: ingrid.mitt [at] eestipank.ee (ingrid.mitt [at] eestipank.ee) Media queries: press [at] eestipank.ee (press [at] eestipank.ee)
Lisateave:  Ingrid Mitt  Eesti Pank  Eurosüsteem  Avalike suhete allosakond   Tel: 668 0965, 512 6843  E-post: ingrid.mitt [at] eestipank.ee
This will cover the next years’ demand for small-denomination euro coins in Estonia.
See katab lähiaastate nõudluse väikeste nimiväärtusega euromüntide järele Eestis.
New uncirculated coins are sold at the Eesti Pank Museum and also at the e-store.
Ringlemata uusi käibemünte on huvilistel võimalik soetada ka Eesti Panga muuseumi poest ja e-poest alates tänasest, s.o 2. maist.
The central bank will not order any other circulation coins this year.
Teisi käibemünte keskpank käesoleval aastal juurde ei telli.
The security features of euro coins can be found here and those of euro banknotes here.
Euromüntide turvaelementide kohta leiab infot Euroopa Keskpanga veebilehelt, sealt saab lugeda ka europangatähtede turvaelementide kohta.
For further information: Ingrid Mitt  Eesti Pank Eurosystem Public Relations Office  Telephone:+372 668 0965, +372 512 6843  E-mail:ingrid.mitt [at] eestipank.ee
Lisateave:  Ingrid Mitt  Eesti Pank  eurosüsteem  avalike suhete allosakond   tel: 668 0965, 512 6843  e-post: ingrid.mitt [at] eestipank.ee
The share of non-cash payments has been over 90% since 2001.
Sularahata maksete hulk on viimastel aastatel pidevalt kasvanud ja nende osakaal on alates 2001. aastast olnud üle 90%.
62% of all the first-quarter domestic payments (here and hereinafter, card payments are not included) were originated by private individuals.
Eraisikud algatasid I kvartalis 62% kõikidest riigisisestest maksetest (siin ja edaspidi ei kajastata kaardimakseid).
The most popular means of payment were Internet bank payment orders (63%), followed by direct debit (25%) and standing orders (9%).
Ülekannete tegemisel kasutati enim internetipanga maksekorraldusi (63%), millele järgnesid otse- (25%) ja püsikorraldused (9%).
Internet bank transfers have increased by about 50% over the past five years, direct debit by a third and mobile phone payments by 18%.
Viie aastaga on internetipanga ülekannete arv kasvanud ligi 50%, otsekorralduste arv kolmandiku võrra ja mobiilimaksete arv 18%.
The share of Internet payments has increased in nearly all socio-demographic groups.
Internetipanga maksete tähtsus on suurenenud pea kõigis sotsiaaldemograafilistes gruppides.
Cash payments are mostly made by pensioners and lower-income families.
Sularahas teevad makseid põhiliselt pensionärid ja madalama sissetulekuga perekonnad, maksekorraldust pangakontoris eelistavad kasutada madalama sissetulekuga pered.
However, based on statistics collected by Eesti Pank, it can be said that the share of Internet payments is likely to increase even more in the future.
Küll võib Eesti Panga kogutavale statistikale tuginedes väita, et suure tõenäosusega kasvab internetipangas tehtavate maksete arv tulevikus veelgi.
This is favoured, among other things, by the growing popularity of smartphones and the development of mobile applications for Internet banking.
Sellele avaldab muu hulgas mõju järjest leviv nutitelefonide kasutus ja internetipanga mobiilirakenduste arendamine.
Considering the European Union’s goal to double the volume of e-commerce by 2015 and to facilitate the making of cross-border e-payments, the share of Internet payments is expected to increase both in Estonia and abroad.
Arvestades Euroopa Liidu eesmärki kahekordistada 2015. aastaks e-kaubanduse mahtu ja hõlbustada piiriüleste e-maksete tegemist, võib oodata internetimaksete osakaalu tõusu nii Eestis kui ka mujal Euroopas.
Usage of payment means (number of transactions)
Makseviiside kasutusaktiivsus (tehingute arv)
The sharp rise in 2007 is due to a change in methodology, because a new decree on payment statistics entered into force.
* Püsikorralduste arvu järsk kasv 2007. aastal on tingitud metoodika muutumisest, kuna kehtima hakkas uus maksestatistikat reguleeriv määrus.
Estonia’s monthly statistics on payment and settlement systems is published on the web page of Eesti Pank.
Kuine Eesti makse- ja arveldussüsteemide statistika on avaldatud Eesti Panga kodulehel.
Eesti Pank publishes its comment on the statistics once a quarter (in the month following the end of a quarter).
Eesti Pank avaldab nimetatud statistika kohta kommentaari kord kvartalis (kvartali lõppemisele järgneval kuul).
Further information Ingrid Mitt  Eesti Pank  Public Relations Office  Eurosystem  Telephone: +372 668 0965, +372 512 6843  E-mail: ingrid.mitt [at] eestipank.ee (ingrid.mitt [at] eestipank.ee) Media queries: press [at] eestipank.ee (press [at] eestipank.ee)
Lisateave:  Ingrid Mitt  Avalike suhete allosakond  Eesti Pank  Eurosüsteem  Tel: 668 0965, 512 6843  E-post: ingrid.mitt [at] eestipank.ee  Meediapäringud: press [at] eestipank.ee
The corporate and household loan and leasing stock of 14.4 billion euros did not change in March compared to February.
Ettevõtetele ja majapidamistele antud laenude ja liisingute maht ei muutunud märtsis võrreldes eelneva kuuga ning oli 14,4 miljardit eurot.
Though the corporate loan and leasing stock increased slightly, the shrinkage in the balance of household housing and consumption loans continued.
Kuuga kasvas veidi ettevõtetele antud laenude ja liisingute maht, samal ajal kui majapidamiste eluaseme- ja tarbimislaenude jääk vähenes jätkuvalt.
Like in previous months, the volume of household car leases expanded.
Nagu eelnevatel kuudel, nii ka märtsis suurenes majapidamiste autoliisingute maht.
The volume of new corporate loans increased, being 19% larger than at the same time a year ago.
Ettevõtetele märtsis väljastatud laenude käive kasvas nii eelmise kuuga kui ka aastatagusega võrreldes ning oli 19% suurem kui aasta tagasi.