natgillin/translations-raw huggingface dataset:
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.
Aastatel 2007–2009 oli Posta turuosa valitsuse väärtpaberite turul väiksem kui 4 %, investeerimisfondide osakute turul 3–9 %, võlakirjade turul alla 2 % ning siseriiklike hoiuskeemide turul alla 4 %.
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.
Ilma et see piiraks konkurentsiõiguse kohaldamist, tuleb neid näitajaid käesolevas otsuses käsitada teguritena, mis osutavad Posta tegevuse otsesele avatusele konkurentsile investeerimise turul.
Intermediation of insurance products
Kindlustustoodete vahendamine
Posta offers life insurance on behalf of Magyar Posta Eletbiztosito Zrt. and non-life insurance on behalf of Magyar Posta Biztosito Zrt.
Posta pakub Magyar Posta Eletbiztosito Zrt. nimel elukindlustust ning Magyar Posta Biztosito Zrt. nimel kahjukindlustust.
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.
Oma varasemates otsustes [29] on komisjon eristanud kolme suuremat kindlustustoodete liikide kategooriat, nimelt: elukindlustus, kahjukindlustus ja edasikindlustus. Lisaks täheldati, et nõudluse poolel võib elukindlustuse ja kahjukindlustuse jagada omakorda nii mitmeks eraldi tooteturuks, kui on erinevaid kaetavaid riske. Elukindlustuse puhul on komisjon oma varasemates otsustes kaalunud järgmisi alamsegmente: üksikisiku elukindlustus, kollektiivne elukindlustus ja ühikuga seotud elukindlustus ehk alternatiivina üksikisiku kaitse, kollektiivne kaitse, personaalne pension, kollektiivpensionid, säästud ja investeeringud [30].
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.
Kahjukindlustuse valdkonnas on komisjon varem kaalunud muu hulgas mootorsõidukite, tulekahju vastast, liiklus-, tervise-, vara-, üldise tsiviilvastutuse, õnnetusjuhtumi, vastutus-, tööõnnetuste ja krediidikindlustust [31]. Teisalt pakkumise poole kaalutlustest lähtuvalt võiks piiritleda laiemaid tooteturge. Käesolevas otsuses võib jätta tooteturu täpse määratluse lahtiseks.
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].
Varem on komisjon analüüsinud ka kindlustustoodete müüki ning kinnitanud, et nii elukindlustuse kui kahjukindlustuse toodete müügi asjaomane turg kätkeb kõiki väliseid (s.o kolmandate osapoolte ehk mitte omanduses olevaid) müügikanaleid, nagu maaklerid, agendid ja muud vahendajad [32]. Käesolevas otsuses võib aga jätta tooteturu täpse määratluse siiski lahtiseks.
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.
Aastatel 2007–2009 oli Posta turuosa elukindlustustoodete turul alla 5 % [34] ning kahjukindlustustoodete turul alla 1 % [35].
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.
Samadel aastatel oli kolme suurima konkurendi turuosa elukindlustustoodete turul kokku vastavalt 52,29 %, 51,08 % ja 50,1 % ning kahjukindlustustoodete turul vastavalt 54,84 %, 52,56 % ja 51,66 %.
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.
Ilma et see piiraks konkurentsiõiguse kohaldamist, tuleb neid näitajaid käesolevas otsuses käsitada teguritena, mis osutavad Posta tegevuse otsesele avatusele konkurentsile kindlustustoodete turul.
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:
Tuginedes põhjendustes 11–77 vaadeldud kriteeriumidele, tuleks lugeda direktiivi 2004/17/EÜ artikli 30 lõikes 1 sätestatud otsesele konkurentsile avatuse tingimus Ungaris täidetuks järgmiste tegevusvaldkondade puhul:
services enabling cash to be placed on a payment account;
teenused, mis võimaldavad raha paigutamist maksekontole;
services enabling cash withdrawals from a payment account;
teenused, mis võimaldavad raha maksekontolt väljavõtmist;
money transfer services;
rahaülekande teenused;
intermediation of current accounts and the related products and services;
arvelduskontode ning seonduvate toodete ja teenuste vahendamine;
credit intermediation;
krediiditoodete vahendamine;
intermediation and acceptance of payment cards issued by credit institutions;
krediidiasutuste poolt väljastatud maksekaartide vahendamine ja aktsepteerimine;
intermediation of investments and special purpose savings on behalf of others;
investeeringute ja eriotstarbeliste säästude vahendamine teiste isikute nimel;
intermediation of insurance products.
kindlustustoodete vahendamine.
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.
Kuna turule piiramatu juurdepääsu tingimus on samuti täidetud, ei tuleks direktiivi 2004/17/EÜ kohaldada ostjate sõlmitud lepingute suhtes, mille eesmärk on võimaldada Ungaris põhjenduses 78 loetletud teenuste osutamist, ega ideekonkursside korraldamise suhtes kõnealuseks tegevuseks Ungaris.
The financial services carried out by Posta are auxiliary to postal services as per Article 6(2)(b) of Directive 2004/17/EC.
Posta osutatavad finantsteenused on postiteenuste abiteenused direktiivi 2004/17/EÜ artikli 6 lõike 2 punkti b tähenduses.
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.
Posta osutatavad postiteenused ei ole käesoleva vabastuse taotluse objektiks, mistõttu nende tegevuste suhtes direktiivi 2004/17/EÜ sätteid jätkuvalt kohaldatakse.
In this context, it is recalled that procurement contracts covering several activities shall be treated in accordance with Article 9 of Directive 2004/17/EC.
Selles kontekstis tuletatakse meelde, et hankelepinguid, mis hõlmavad mitut tegevust, käsitletakse vastavalt direktiivi 2004/17/EÜ artiklile 9.
This means that, when a contracting entity is engaged in ‘mixed’ procurement, that is procurement used to support the performance of both, activities exempted from the application of Directive 2004/17/EC and activities not exempted, regard shall be had to the activities for which the contract is principally intended.
See tähendab, et kui ostja osaleb „segahankes”, see tähendab hankemenetluses, mis hõlmab nii tegevusi, mis on direktiivi 2004/17/EÜ kohaldamisest vabastatud, kui ka tegevusi, mis ei ole sellest vabastatud, võetakse arvesse seda, millise tegevuse jaoks leping on peamiselt mõeldud.
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.
Segahanke korral, kus peaeesmärk on toetada postiteenuseid, kohaldatakse direktiivi 2004/17/EÜ sätteid.
If it is objectively impossible to determine for which activity the contract is principally intended, the contract shall be awarded in accordance with the rules referred to in paragraphs 2 and 3 of Article 9 of Directive 2004/17/EC.
Kui seda, millise tegevuse jaoks leping on peamiselt ette nähtud, on objektiivselt võimatu kindlaks määrata, sõlmitakse leping kooskõlas direktiivi 2004/17/EÜ artikli 9 lõigetes 2 ja 3 sätestatud eeskirjadega.
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.
Käesolev otsus põhineb õiguslikul ja tegelikul olukorral seisuga juulist oktoobrini 2011, nagu selgub Magyar Posta ja Ungari Konkurentsiameti esitatud teabest.
It may be revised, should significant changes in the legal or factual situation mean that the conditions for the applicability of Article 30(1) of Directive 2004/17/EC are no longer met.
See võidakse üle vaadata, kui märkimisväärsed muutused õiguslikus või tegelikus olukorras osutavad sellele, et direktiivi 2004/17/EÜ artikli 30 lõike 1 kohaldatavuse tingimused ei ole enam täidetud.
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:
Direktiivi 2004/17/EÜ ei kohaldata ostjate sõlmitavate lepingute suhtes, mis on mõeldud võimaldamaks järgmiste teenuste osutamist Ungaris:
This Decision is addressed to the Republic of Hungary in accordance to the Treaties.
Käesolev otsus on adresseeritud Ungari Vabariigile kooskõlas aluslepingutega.
See application, p. 11.
Vt avaldus, lk 11.
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.
Nt makseteenustest osutatakse rahvusvahelist posti teel rahakaardi saatmise teenust ainult 328 postkontoris ning vahendajana Western Unioni rahaülekande teenust 1024 postkontoris.
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.
Teiste nimel osutatavatest teenustest pakutakse Posta krediitkaardi vahendamist ning investeerimisvõlakirjade ja teatavate kindlustustoodete vahendamist ainult 343 kohas, OTP panga arveldusarve tooteid eraklientidele pakutakse 244 postkontoris ning ärikliendi laene pakutakse ainult 45 kohas.
European Central Bank: ‘Payment and securities settlement systems in the European Union: non-euro-area countries — Hungary’, August 2007.
Euroopa Keskpank, „Payment and Securities settlement systems in the European Union: non-euro area countries – Hungary” ( „Makse- ja väärtpaberite eest arveldamise süsteemid Euroopa Liidus: mitteeuroala riigid – Ungari”), august 2007.
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).
Euroopa Parlamendi ja nõukogu 13. novembri 2007. aasta direktiiv 2007/64/EÜ makseteenuste kohta siseturul ning direktiivide 97/7/EÜ, 2002/65/EÜ, 2005/60/EÜ ja 2006/48/EÜ muutmise ning direktiivi 97/5/EÜ kehtetuks tunnistamise kohta, ELT L 319, 5.12.2007, lk 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” ( „Internetipanganduse populaarsus jätkuvalt tõusuteel”), 3. november 2010, http://www.gfk.com/imperia/md/content/gfk_hungaria/pdf/press_h/2010/press_2010_11_03_h.pdf.
ATM — abbreviation for automated teller machine.
Asjaomased turuosad arvutati tehingute koguväärtuse järgi.
Relevant market shares where calculated by rapport to the total value of transactions.
Vt avalduse lk 34.
Please see page 34 of the application.
Vt avalduse lk 32.
See page 32 of the application.
Ungari Pank, „Nothing is Free: a survey of the social costs of the main payment instruments in Hungary” ( „Miski pole tasuta: uuring peamiste maksemeetodite kulude kohta ühiskonnale Ungaris”), dr Aniko Turjan, EVA Diveki, EVA Keszy-Harmath, Gergely Koczan, 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.
Vt avalduse lk 35 ja 36.
See pages 35 and 36 of the application.
Juhtum COMP/M.4844, Fortis:ABN AMRO Assets.
POS — abbreviation for point of sale.
Vt avalduse lk 35 ja 36.
Case COMP/M.5384 — BNP Paribas/Fortis, p. 3.
Juhtum COMP/M. 2225 FORTIS/ASR, lk 3, juhtum COMP/M.5075 Vienna Insurance Group/Erste Bank Versicherungssparte ning juhtum COMP/M.5384 – BNP PARIBAS/FORTIS, lk 15.
Case COMP/M.4844, Fortis: ABN AMRO Assets.
„Switching in case of certain financial products for retail and small entrepreneurial clients – Sector Inquiry – Final Report” ( „Konto vahetamine jaepanganduse ja väikeettevõtjatest klientide poolt teatavate finantsteenuste puhul. Sektori uuring. Lõpparuanne”), 5. veebruar 2009, GVH – Ungari Konkurentsiamet. Nimetatud GVH uuring panga vahetamiste kohta hõlmas aastaid 2002–2006.
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 – Final Report”, 5. veebruar 2009, GVH – Ungari Konkurentsiamet, ning seotud taustauuring „Information and experience related to switching between banks” ( „Panga vahetamist käsitlev teave ja vastavad kogemused”), kliendituru lühianalüüs, 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.
Ipsos, „Finanacial services, current account services.
GVH performed this study on bank switching for the period 2002-2006.
Summary of the survey of retail customers” ( „Finantsteenused, arvelduskonto teenused. Kokkuvõte jaeklientide küsitlusest”), jaanuar 2009.
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.
Juhtum COMP/M.4844, Fortis/ABN AMRO Assets.
Ipsos: Financial services, current account services, summary of the survey of retail customers, January 2009.
Vastavalt taotleja poolt tema 2. septembri 2011. aasta kirjas esitatud täiendavatele andmetele.
Case COMP/M.4844, Fortis/ABN AMRO Assets.
Juhtum COMP/M.5241, American Express/Fortis/Alpha Card.
According to the supplementary information provided by the applicant in its letter of 2 September 2011.
Juhtum COMP/M.3894 Unicredito/HVB; juhtum COMP/M.2567 Nordbanken/Postgirot; juhtum COMP/M.3740 Barclays Bank/Foerenngssparbanken/JV; juhtum COMP/M.4844 Fortis/ABN AMRO Assets; juhtum COMP/M.5241 American Express/Fortis/Alpha Card.
Case COMP/M.5241, American Express/Fortis/Alpha Card.
GVH 15.9.2011. a vastus komisjoni 8.8.2011. a kirjalikule teabepalvele.
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.
Juhtum COMP/M.3740, Barklays Bank/Foereningssparbanken/JV ning juhtum COMP/M.2567 Nordbanken/Postgirot.
GVH response of 15 September 2011 to Commission letter of request for information of 8 August 2011.
Juhtum COMP/M.2225, Fortis/ASR; juhtum COMP/M.1172, Fortis AG/Generale Bank.
Case COMP/M.3740, Barclays Bank/Foereningssparbanken/JV and COMP/M.2567 Nordbanken/Postgirot.
Juhtum COMP/M.3894, Unicredito/HVB; juhtum COMP/M.5384 BNP Paribas/FORTIS.
Case COMP/M.3894, Unicredito/HVB, Case COMP/M.5384 BNP Paribas/Fortis.
Juhtum COMP/M.4155, BNP Paribas/BNL.
Case COMP/M.2225, Fortis/ASR, COMP/M.1172, Fortis AG/Generale Bank.
Juhtum COMP:M. 4284, AXA/Winterhur; juhtum COMP/M.5384 BNP Paribas/FORTIS.
Case COMP/M.4155, BNP Paribas/BNL.
Juhtum COMP/4047 Aviva/Ark life; juhtum COMP/M.4284 Axa/Winterthur; juhtum COMP/M.4701 Generali/PPF Insurance Business.
Case COMP:M.4284, AXA/Winterhur, Case COMP/M.5384 BNP Paribas/Fortis.
Juhtum COMP/M.4284, Axa/Winterthur; juhtum COMP/M.4701 Generali/PPF Insurance Business; juhtum COMP/M.2676 Sampo/Vama/IF Holding/JV.
Case COMP/4047 Aviva/Ark life, Case COMP/M.4284 Axa/Winterthur, Case COMP/M.4701 Generali/PPF Insurance Business.
Juhtum COMP/M.4284 AXA/Winterthur; juhtum COMP/M.4844 Fortis/ABN AMRO Assets.
Case COMP/M.4284, Axa/Winterthur, Case COMP/M.4701 Generali/PPF Insurance Business, Case COMP/M.2676 Sampo/Vama/IF Holding/JV.
Juhtum COMP/M.5075 Vienna Insurance Group/Erste Bank Versicherungssparte; juhtum COMP/M.4844 Fortis/ABN AMRO Assets.
Case COMP/M.4284 AXA/Winterthur, Case COMP/M.4844 Fortis/ABN AMRO Assets.
Turuosa on arvutatud kindlustuspreemiatest saadavate tulude alusel.
Case COMP/M.5075 Vienna Insurance Group/Erste Bank Versicherungssparte; COMP/M.4844 Fortis/ABN AMRO Assets.
Idem 34.
The Commission requested additional information to the applicant and to the Hungarian Competition Authority, by e-mails of 8 August 2011.
Komisjon palus 8. augustil 2011 taotlejalt ja Ungari Konkurentsiametilt e-kirja teel lisateavet.
The respective replies were received on 2 September and on 15 September 2011.
Vastused saadi vastavalt 2. septembril ja 15. septembril 2011.
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.
Magyar Posta (edaspidi „Posta”) esitatud taotlus käsitleb mitmesuguseid Posta osutatavaid finantsteenuseid ning koosneb kahest osast, nimelt: makseteenused ja teiste finantseerimisasutuste nimel osutatavad teenused.
In their turn, each part concerns various financial services that have been grouped under the following headings, as defined by Posta:
Kumbki osa on omakorda seotud mitmesuguste finantsteenustega, mis on rühmitatud alljärgnevate pealkirjade alla, nagu Posta on need määratlenud.
The application lists two distinct categories of payment services, namely: (A) existing services; and (B) services which are planned for introduction in 2012.
Avalduses nimetatakse kaht erinevat makseteenuste kategooriat: a) olemasolevad teenused ning b) teenused, mida kavatsetakse hakata osutama aastal 2012.
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.
Käesoleva otsusega seoses vajalikul hindamisel võetakse arvesse ainult olemasolevaid teenuseid, sest ei ole olulisi tõendeid selle kohta, millised on kavandatavate teenuste mõjud, kui neid osutama hakatakse.
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.
Posta turuosa nende teenuste valdkonnas, mis võimaldavad paigutada raha maksekontole, arvutatuna vastavalt määratlusele protsendina turu kogumahust, [7] moodustas 2007. aastal 3,91 %, 2008. aastal 3,88 % ja 2009. aastal 4,14 %.
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].
Nii mahu kui väärtuse aspektist tuleb märkida, et nii Posta tehingute arv kui ka nende väärtus vähenes aastal 2009 kahe eelmise aastaga võrreldes [8].
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.
Posta turuosa teenuste valdkonnas, mis võimaldavad raha maksekontolt välja võtta, arvutatuna protsendina asendusteenuste kogumahust, [11] moodustas 2007. aastal 2,44 %, 2008. aastal 2,49 % ja 2009. aastal 2,61 %.
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].
Nii mahu kui väärtuse aspektist tuleb märkida, et nii Posta tehingute arvu kui ka nende koguväärtuse puhul võis täheldada kahanevat suundumust kõigi kolme aasta vältel, mille kohta on olemas andmed, s.o aastatel 2007, 2008 ja 2009 [12].
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.
Posta turuosad, arvutatuna lähtuvalt eespool esitatud kaalutlustest, on järgmised: jaetasandi arveldusarvete ja hoiuste puhul – 2007. aastal 1,45 %, 2008. aastal 1,38 % ning 2009. aastal 1,51 %, samas kui ärikliendi arveldusarvete ja hoiuste turul oli Posta turuosa aastatel 2007, 2008 ja 2009 tühine (0 %).
These figures indicate that market shares for the intermediation of these financial services are also low
Need arvud viitavad sellele, et ka nende finantsteenuste vahendamise puhul on Posta turuosa väga väike.
Relevant market shares where calculated by rapport to the total value of transactions. Please see page 36 of the application.
Juhtum COMP/M.5384 – BNP PARIBAS/FORTIS, lk 3.
According to Giro Zrt, OTP bank is the largest with 809 branches, followed by K&H Bank Zrt. (377 branches), CIB Bank Zrt.
Giro Zrt andmetel on suurim pank OTP pank 809 filiaaliga, millele järgnevad K&H Bank Zrt (377 filiaali), CIB Bank Zrt.
Article 30 of Directive 2004/17/EC provides that contracts intended to enable the performance of one of the activities to which the Directive applies shall not be subject to the Directive if, in the Member State in which it is carried out, the activity is directly exposed to competition on markets to which access is not restricted. Direct exposure to competition is assessed on the basis of objective criteria, taking account of the specific characteristics of the sector concerned.
Direktiivi 2004/17/EÜ artiklis 30 sätestatakse, et direktiivis käsitletava tegevuse võimaldamiseks sõlmitud lepingute suhtes ei kohaldata kõnealust direktiivi, kui liikmesriigis, kus tegevus toimub, on see tegevus otseselt avatud konkurentsile turgudel, millele juurdepääs ei ole piiratud.. Otsest avatust konkurentsile hinnatakse objektiivsete kriteeriumide alusel, võttes arvesse kõnealuse sektori konkreetseid eripärasid.
However, as confirmed by the Hungarian Competition Authority (GVH) [25], in case of Posta, considering that the POS devices functions as ATM machines of the two banks, for which Posta is acting as intermediary, ‘Magyar Posta was probably correct to provide data on concentration based on concentration based on the number of ATM machines in operation’. (62) In terms of geographical market, previous Commission cases [26] indicated that the market of payment cards is still national in scope, although it admitted that there may be scope for widening the market in the future.
Geograafilise turu puhul näitasid komisjoni varasemad juhtumid, [24] et maksekaartide turg on ulatuselt ikkagi siseriiklik, ehkki komisjon tunnistas, et edaspidi võib olla ruumi selle turu laiendamiseks.