natgillin/translations-raw huggingface dataset:
To conclude that the Bank is viable, the Commission does not require that the Bank has enough capital upfront to cover the stressed scenario capital needs estimated by the Bank of Greece, as that estimated level represents a high level of stress and as the capital raising of March 2014 shows that the Bank has regained access to capital markets.
Kreeka keskpanga poolt Piraeuse pangale antud ja alates 2011. aasta juunist Kreeka tagatud erakorraline likviidsusabi 31. detsembri 2012. aasta seisuga summas 30,4 miljardit eurot (meede L2);
In addition, it is positive that the Bank will not make additional investments in non-investment grade paper, which will help to preserve its capital and liquidity position.
Kreeka finantsstabiilsuse fondi poolt 2012. aasta mais Piraeuse pangale võimaldatud esimene ajutine rekapitaliseerimine summas 4,7 miljardit eurot (meede B1);
It is therefore concluded that the combination of the already implemented restructuring and the additional proposed restructuring are sufficient to restore the Bank’s long-term viability.
Kreeka finantsstabiilsuse fondi poolt 2012. aasta detsembris Piraeuse pangale võimaldatud teine ajutine rekapitaliseerimine summas 1553 miljonit eurot (meede B2);
As stated in section 3 of the Restructuring Communication, banks and their stakeholders need to contribute to the restructuring as much as possible in order to ensure that aid is limited to the minimum necessary.
Kreeka finantsstabiilsuse fondi poolt 20. detsembril 2012 Piraeuse pangale esitatud kohustuse võtmise kinnitus summas 1082 miljonit eurot (meede B3);
Thus banks should use their own resources to finance the restructuring, for instance by selling assets, while the stakeholders should absorb the losses of the bank where possible.
Kreeka finantsstabiilsuse fondi poolt 2013. aasta kevadel Piraeuse pangale võimaldatud rekapitaliseerimine summas 524 miljonit eurot (meede C).
Own contribution by the Bank: divestments and cost cutting
Artikkel 2
The Bank has already divested small foreign businesses (in the United States of America) and deleveraged part of its portfolio in order to enhance both its capital adequacy and its liquidity position.
Käesolev otsus on adresseeritud Kreeka Vabariigile.
The restructuring plan foresees the deleveraging of its foreign activities, as described in recitals 125 to 129.
Brüssel, 23. juuli 2014
Considering the deleveraging and the divestments already implemented and following the implementation of the commitments related to the deleveraging and divestments of foreign businesses, the Bank will have significantly reduced its geographical presence in […].
Komisjoni nimel
The downsizing of the Bank’s international assets will also significantly reduce the contingent risk that aid will be needed in the future.
Joaquín Almunia
It therefore helps to reduce the amount of aid to the minimum.
Vt komisjoni 27. juuli 2012. aasta otsus riigiabi nr SA.
In order to limit its capital needs, the Bank will not use capital to support or expand its foreign subsidiaries, as described in recital 138.
34826 (2012/C, ex 2012/NN) kohta – Piraeuse panga rekapitaliseerimine Kreeka finantsstabiilsuse fondi poolt (ELT C 359, 21.11.2012, lk 43).
In addition, the commitments made by Greece ensure that the Bank will not make costly acquisitions.
Komisjoni 19. novembri 2008. aasta otsus riigiabi nr 560/2008 kohta „Support Measures for the Credit Institutions in Greece” (meetmed Kreeka krediidiasutuste toetamiseks) ( ELT C 125, 5.6.2009, lk 6).
The Bank has also engaged in a far-reaching cost reduction programme, as indicated in section 2.4.2.
Kava registreeriti numbri SA.26678 (N 560/2008) all.
Its costs will further decrease until 2017.
Hiljem kõnealust kava pikendati ja muudeti joonealuses märkuses 4 kirjeldatud viisil.
Its workforce is being reduced and salaries adjusted downwards.
Piraeuse panga all peetakse silmas Piraeuse panga gruppi.
Greece has also committed to limit the remuneration of the Bank’s managers, […].
Vt joonealune märkus 1.
Burden-sharing by historical shareholders and new capital raised on the market
24. detsembri 2012. aasta pressiteade, mis on kättesaadav veebiaadressil http://www.hfsf.gr/files/press_release_20121224_en.pdf.
The historical shareholders of the Bank were diluted by the rights issue completed in 2009 [118] and then again by the HFSF recapitalisation (measure B4) and private capital raising of 2013 and March 2014.
Komisjon registreeris kõnealused meetmed kui riigiabi SA.36005 (2013/NN).
For instance, the stake held by the shareholders of the Bank, which at the time included the investors that injected money in 2009, was reduced from 100 % prior to the Spring 2013 recapitalisation to only 2,3 % after that recapitalisation.
Komisjoni 23. mai 2011. aasta otsus riigiabi nr SA.31154 kohta „Restructuring of Agricultural Bank of Greece” (Kreeka Põllumajanduspanga ümberkorraldamine) ( ELT C 317, 29.10.2011, lk 4).
In addition, the Bank has not paid any dividend in cash since 2008.
Ost ja ühendamine on kriisilahenduse menetlus, mis hõlmab likvideeritava juriidilise isiku puhul kõrge kvaliteediga varade ja kohustuste kindlaks tegemist ning enampakkumisel müümist, eesmärgiga viia need üle elujõulisse äriühingusse.
In addition to that burden-sharing by historical shareholders, the Bank has raised a significant amount of private capital since the crisis started in 2008, that is to say EUR 807 million in 2009, EUR 1444 million in 2013 and EUR 1750 million in 2014.
Komisjoni 3. mai 2013. aasta otsus riigiabi nr SA. kohta 35460 „Liquidation aid for ATE Bank resolution” (Likvideerimisabi ATE panga kriisilahenduseks) ( ELT C 261, 10.9.2013, lk 1).
Burden-sharing by subordinated debt holders
Vt punkt 2.3.3.3.
The Bank’s hybrid and subordinated debt holders have contributed to the restructuring costs of the Bank.
Eurorühma kohtumine on euroala, st euro seadusliku maksevahendina kasutusele võtnud liikmesriikide, rahandusministrite kohtumine.
The Bank has performed several liability management exercises in order to generate capital, as described in recital 134.
Euroopa Komisjon – majandus- ja rahandusküsimuste peadirektoraat.
The still outstanding instruments are subject to the coupon ban mentioned in recital 143.
„The Second Economic Adjustment Programme for Greece” (Kreeka majanduse kohandamise teine programm), märts 2012, lk 17, mis on kättesaadav veebiaadressil: http://ec.europa.eu/economy_finance/publications/occasional_paper/2012/pdf/ocp94_en.pdf.
Therefore, the Commission considers that an adequate burden-sharing from the Bank’s hybrid and subordinated debt holders is ensured and the requirements of the Restructuring Communication in that respect are met.
Vt dokumendi „Report on the Recapitalisation and Restructuring of the Greek Banking Sector” (Kreeka pangandussektori rekapitaliseerimise ja ümberkorraldamise aruanne) II jagu „The restructuring of the Greek Sovereign Debt” (Kreeka riigivõla ümberkorraldamine), Kreeka keskpank, detsember 2012, kättesaadav veebiaadressil http://www.bankofgreece.gr/BogEkdoseis/Report_on_the_recapitalisation_and_restructuring.pdf.
Conclusion on own contribution and burden-sharing
Rahandusministeeriumi 9. märtsi 2012. aasta pressiteade, kättesaadav veebiaadressil http://www.pdma.gr/attachments/article/80/9%20MARCH%202012%20-%20RESULTS.pdf.
In comparison with the total State recapitalisation received, the own contribution and burden-sharing, especially in the form of sale of assets and downsizing of the loan book, is much lower than what the Commission would usually consider sufficient.
Vt joonealune märkus 14, lk 106.
The downsizing only concerns the foreign activities, which account for a limited part of the Bank [119] and the restructuring does not envisage any reduction of the size of the loan and deposit books in Greece, which, to the contrary, have increased dramatically over the last year, following acquisitions.
Vt joonealune märkus 15.
However, the Commission takes into account the elements discussed in section 7.6.1 and in particular the facts that the aid received partly qualifies for the exemption lay down in point 14 of the 2011 Prolongation Communication, under which the Commission can accept a lower own contribution and burden-sharing.
Vt joonealune märkus 14, lk 104.
The Commission also notes positively that the Bank raised EUR 1444 million on the market in May 2013 and EUR 1750 million in March 2014, […].
Euroopa Keskpank ja riikide keskpangad moodustavad koos eurosüsteemi ehk euroala keskpankade süsteemi.
Moreover, the capital raised in March 2014 was raised at a price per share equal to the price per share at which the HFSF subscribed in the framework of the Spring 2013 recapitalisation (measure B4).
Rahandusministeeriumi 3. detsembri 2012. aasta pressiteade, kättesaadav veebiaadressil http://www.pdma.gr/attachments/article/248/Press%20Release%20-%20December%2003.pdf.Kõnealune omaenda võla tagasiost nimiväärtusest palju madalama hinnaga tõi kaasa Kreeka võlgade olulise vähenemise.
The high issue price therefore limited the dilution of the HFSF.
Kui tagasiostmist ei oleks toimunud, oleks asjaomaste uute võlakirjade turuväärtus tõusnud vastavalt selliste turuparameetrite arengule nagu intressimäärad ja Kreeka kohustuste täitmata jätmise risk.
The Bank also repaid the preference shares (measure A).
Sealhulgas oodatav kahjum Kreeka uutelt laenudelt ajavahemikus 2013. aasta juunist kuni 2016. aasta detsembrini.
Taking into account all those elements, the restructuring plan can be considered as providing for sufficient own contribution and burden-sharing measures to limit the aid to the minimum necessary.
Krediidikahju prognoosil põhinev välismaise riski mõju arvutati välja välismaiste maksude tasumise järgselt ja võttes arvesse sel ajal konkurentsipoliitika peadirektoraadile esitatud loovutamiskohustusi.
The Restructuring Communication requires a restructuring plan to propose measures limiting distortions of competition and ensuring a competitive banking sector.
NBG laenukahjumi reservid 30. juunil 2013 enne pankadele First Business Bank ja Probank tehtud eraldisi.
Moreover, those measures should also address moral hazard issues and ensure that State aid is not used to fund anti-competitive behaviour.
Eurobanki laenukahjumi reservid 30. juunil 2013 enne pankadele New Hellenic Postbank ja New Proton Bank (mis omandati 2013. aasta augustis) tehtud eraldisi.
Point 31 of the Restructuring Communication states that when assessing the amount of aid and the resulting competition distortions, the Commission has to take into account both the absolute and relative amount of the State aid received as well as the degree of burden-sharing and the position of the financial institution on the market after the restructuring.
2012. aasta aastaaruanne: http://www.piraeusbankgroup.com/en/investors/financials/annual-reports.
In that respect, the Commission recalls that the Bank has received capital support from the State equivalent to 23,7 % of its RWA [120].
Vt tabel 2.
In addition, the Bank obtained liquidity guarantees in 2010 amounting to EUR 9,9 billion and government bond loans for an amount of EUR 1,3 billion, representing together almost 25 % of the Bank’s balance sheet.
2012. aasta summa ei sisalda Piraeuse panga kaht ajutist rekapitaliseerimist.
In addition, the Bank received State-guaranteed ELA.
2013. aasta summa sisaldab täielikku 2013. aasta kevadist rekapitaliseerimist.
Measures to limit potential distortions of competition are therefore necessary in view of the large amount of the aid.
ealhulgas ATE ja Geniki.
Additionally, the market share of the Bank in Greece is large.
Sealhulgas ATE, Geniki, kolme Küprose panga Kreeka filiaalid, MBG.
The acquisition of the ATE Transferred Activities, Geniki, MBG and the Cypriot Transferred Activities increased the market shares of the Bank.
Vt punkt 2.3.1.2 Rekapitaliseerimismeetme raames kohaldatud riigipoolne rekapitaliseerimine.
After those acquisitions, the Bank’s market share in deposits in Greece amounted to 29 % at the end of 2013, while its market shares in residential mortgages, consumer loans and corporate loans were 25 %, 22 % and 35 % respectively (compared with 10 %, 8 %, 8 % and 14 % respectively in 2011) [121].
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 40.
The Commission recalls that the difficulties of the Bank resulted to a large extent from external shocks such as the Greek sovereign crisis and the protracted recession which has disrupted the Greek economy since 2008, as has already been noted in recital 74 of the Piraeus Opening Decision.
Vt ATE likvideerimisotsuse põhjendus 27.
The need to address moral hazard issues is therefore reduced.
Hellenic Bank Associationi kohta on andmed kättesaadavad veebisaidi aadressil http://62.1.43.74/4Statistika/UplPDFs/network2012engl.pdf.
As discussed in section 7.6.1 of this Decision, the distortive effect of the aid measures is lower in the light of those factors as is the need for measures to limit distortions of competition.
Konfidentsiaalne info.
For those reasons, the Commission can exceptionally accept that, in spite of the high aid amount and the high market shares, the restructuring plan does not envisage any downsizing of the balance sheet and loans in Greece.
Aruande pealkirjaga „Independent Due Diligence of the Banking System in Cyprus” (Küprose panganduse sõltumatu hoolsuskohustus) koostas 1. veebruaril 2013. aastal investeeringute haldamisega tegelev ettevõtja PIMCO.
However it would be problematic if the most aided bank among the four large Greek banks and the one which grew the most through acquisitions over the last years would continue to grow in the restructuring period at a pace quicker than the market, potentially crowding out the less aided banks.
Kapitalihinnangud tehti mõlema makromajandusliku stsenaariumi, baasstsenaariumi ja ebasoodsa stsenaariumi kohaselt.
Therefore, the Commission welcomes the commitment that the Bank will not grow quicker than the growth of the market.
Aruandekuupäev oli 30. juuni 2012 ja vaatlusalune periood hõlmas ajavahemikku 30. juunist 2012 kuni 30. juunini 2015.
However, the Commission notes that the State recapitalisations enabled the Bank to continue its banking activities in foreign markets.
Vt põhjendus 101.
The Commission notes that, in addition to the deleveraging and restructuring already implemented, the Bank will further restructure and deleverage its foreign assets by 30 June 2018 [122].
Sealsamas.
In addition the Bank gave a commitment not to use aid to fund the growth of those activities.
25. juunil 2014 esitatud ümberkorralduskava, lk 51.
The aid will therefore not be used to distort competition on those foreign markets.
Mõistega „riskiga kaalutud varad” märgitakse regulatiivset koondnäitajat, millega mõõdetakse finantseerimisasutuste riskipositsiooni ja mida järelevalveasutuste esindajad kasutavad finantseerimisasutuste kapitali adekvaatsuse kontrollimiseks.
Greece has also committed that the Bank will not make costly acquisitions, ensuring that the Bank will not use the State aid received to acquire new business.
Kreeka keskpanga 7. novembri 2011. aasta kirja kohaselt kehtivad garantiid erakorralise likviidsusabi suhtes tervikuna.
That ban contributes to ensuring that the aid is strictly used to support the restoration of the viability of the Greek banking activities, and not, for instance, to grow in foreign markets.
25. juunil 2014 esitatud ümberkorralduskava, lk 133.
The commitment to decrease the interest paid on Greek deposits from unsustainably high levels also ensures that the aid will not be used to finance unsustainable deposit collection strategies which distort competition on the Greek market.
Välja arvatud see osa rekapitaliseerimisest, mis Kreeka finantsstabiilsuse fond andis ATE ja kolme Küprose panga Kreeka filiaalide ostmise tagajärjel tekkinud kapitalivajaduste rahuldamiseks.
Similarly, the commitment to implement strict guidelines as regards the pricing of new loans, based on a proper credit risk assessment, will prevent the Bank from distorting competition on the Greek market with inappropriate pricing strategies on the loans to customers.
Täpsema teabe saamiseks vt põhjendus 101.
Taking into account the specific situation described in section 7.6.1 and the measures provided for in the restructuring plan, the Commission considers there are sufficient safeguards to limit distortions of competition.
Eelmärkimise lepingus nähakse ette, et Piraeuse pangale makstav tegeliku riski tasu hõlmab EFSFi võlakirju ja mis tahes kupongimakseid, samuti intressi, mis on kogunenud alates võlakirjade väljastamisest kuni ettemakse konverteerimiseni aktsiakapitaliks ja muudeks konverteeritavateks finantsinstrumentideks, nagu on lepinguga ette nähtud.
Monitoring
Vt tabel 3.
In accordance with section 5 of the Restructuring Communication, regular reports are required to allow the Commission to verify that the restructuring plan is being implemented properly.
http://www.piraeusbankgroup.com/~/media/Com/Piraeus-Bank-Documents/Press-Releases/2013/Apofaseis_BGM_23042013_en.pdf.
As stated in the commitments given by Greece [123], Greece will ensure that until the end of the restructuring period, namely, 31 December 2018, the Monitoring Trustee, which has been appointed by the Bank with the approval of the Commission, will monitor the commitments given by Greece on the restructuring of activities in Greece and abroad and on corporate governance and commercial operations.
Vt põhjendus 112.
The Commission therefore finds that proper monitoring of the implementation of the restructuring plan is ensured.
http://www.piraeusbankgroup.com/~/media/Com/Piraeus-Bank-Documents/Press-Releases/2013/Anakoinwsi-apokomis-DS-gia-AMK.pdf.
Conclusion on the compliance of measures A, B1, B2, B3 and B4 with the Restructuring Communication
http://www.piraeusbankgroup.com/en/press-office/announcement/2013/06/anakoinosi-kalipsis.
The Commission finds that the restructuring plan when considered together with the commitments in the Annex to this Decision ensures the restoration of the long-term viability of the Bank, is sufficient with respect to burden-sharing and own contribution, is appropriate to offset the competition distorting effects of the aid measures examined in this Decision and is proportionate.
http://www.hfsf.gr/files/HFSF_activities_Jan_2013_Jun_2013_en.pdf.
The restructuring plan and commitments submitted to the Commission fulfil the criteria of the Restructuring Communication.
http://www.piraeusbankgroup.com/~/media/Com/Downloads/Investors/PIRAEUS-BANKS-ANNOUNCEMENTS-ON-THE-CHARACTERISTICS-OF-HFSF-WARRANTS.pdf.
CONCLUSION
Näiteks oli täitmishind 2. jaanuaril 2014. aastal 1,7 340 eurot ja 2. juulil 2014. aastal 1,7 680 eurot, 2. jaanuaril 2015. aastal on see 1,8 105 eurot, 2. juulil 2015. aastal 1,8 530 jne.
The Commission regrets that Greece has unlawfully implemented aid measures B2, B3 and B4 in breach of Article 108(3) of the Treaty, since they were implemented before their formal notification.
Vt punkt 2.3.3.4.
However, those measures, as well as the other measures analysed in this Decision, can be considered compatible with the internal market,
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 117.
HAS ADOPTED THIS DECISION:
Sealhulgas maksed hoiuste ja investeeringute garantiifondi.
Article 1
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 128.
The following measures implemented by Greece constitute State aid within the meaning of Article 107(1) of the Treaty:
25. juunil 2014. aastal esitatud ümberkorralduskava tabelid, lk 133.
the emergency liquidity assistance provided to Piraeus Bank S.A. by the Bank of Greece and guaranteed by Greece (measure L2);
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 136.
the second bridge recapitalisation of EUR 1553 million granted by the Hellenic Financial Stability Fund (‘HFSF’) to Piraeus Bank S.A. in December 2012 (measure B2);
2012. aasta aastaaruande arvandmed 2012. aasta kohta: http://www.piraeusbankgroup.com/en/investors/financials/annual-reports.25. juunil 2014. aastal esitatud ümberkorralduskava, lk 96 arvandmed 2014. aasta kohta.
the commitment letter of EUR 1082 million granted by the HFSF to Piraeus Bank S.A. on 20 December 2012 (measure B3);
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 97.
the recapitalisation of EUR 5891 million granted by the HFSF to Piraeus Bank S.A. in Spring 2013 (measure B4); and
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 149.
the recapitalisation of EUR 524 million by the HFSF to Piraeus Bank S.A. granted in Spring 2013 (measure C).
Vt lisas loetletud kohustused, I peatükk.
In the light of the restructuring plan relating to the Piraeus Bank Group, which includes Piraeus Bank S.A. and all its subsidiaries and branches, submitted on 25 June 2014 and of the commitments provided by Greece on that date, the following State aid is compatible with the internal market:
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 44.
the capital injection of EUR 750 million granted by Greece to Piraeus Bank S.A. in May 2009 and December 2011 under the Recapitalisation Scheme (measure A);
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 147.
the emergency liquidity assistance provided to Piraeus Bank S.A. by the Bank of Greece and guaranteed by Greece since July 2011, for an amount of EUR 30,4 billion at 31 December 2012 (measure L2);
Vt lisas loetletud kohustused, II peatükk.
the first bridge recapitalisation of EUR 4,7 billion granted by the HFSF to Piraeus Bank S.A. in May 2012 (measure B1);
Vt lisas loetletud kohustused, II peatükk.
the second bridge recapitalisation of EUR 1553 million granted by the HFSF to Piraeus Bank S.A. in December 2012 (measure B2);
Vt lisa II peatükk.
the commitment of EUR 1082 million granted by the HFSF to Piraeus Bank S.A. on 20 December 2012 (measure B3);
Vt lisa, III peatükk, punkt A.
the recapitalisation of EUR 524 million granted by the HFSF to Piraeus Bank S.A., in Spring 2013 (measure C).
Vt lisa, III peatükk, punkt C.
Article 2
Seoses Kreeka finantsstabiilsuse fondi käibele lastud optsioonidega tuleb selgitada, et Kreeka Vabariik taotleb Euroopa Komisjoni heakskiitu enne, kui Alpha Bank või mis tahes riiklik üksus (sealhulgas Kreeka finantsstabiilsuse fond) hakkab ostutähti tagasi ostma, nii et Euroopa Komisjon saaks kontrollida, et kavandatav tagasiost ei oleks vastuolus riigiabi eeskirjade kohaste riikliku hüvitise nõuetega.
This Decision is addressed to the Hellenic Republic.
Komisjoni teatis „Riigiabi eeskirjade kohaldamine meetmete suhtes, mida on võetud seoses finantsasutustega praeguse ülemaailmse finantskriisi olukorras” ( ELT C 270, 25.10.2008, lk 2).
Done at Brussels, 23 July 2014.
Menetluse algatamise otsuse põhjendus 64.
For the Commission
Menetluse algatamise otsuse põhjendus 68.
Vice-President
Vt põhjendus 35.
See Commission Decision of 27 July 2012 in State aid SA.
Komisjoni teatis finantssektori elujõulisuse taastamise ja praeguse kriisi olukorras riigiabi eeskirjade kohaste ümberkorraldamismeetmete hindamise kohta (ELT C 195, 19.8.2009, lk 9).
34826 (2012/C, ex 2012/NN), ‘Recapitalisation of Piraeus Bank by the Hellenic Financial Stability Fund’ ( OJ C 359, 21.11.2012, p.
Komisjoni teatis riigiabi eeskirjade kohaldamise kohta alates 1. jaanuarist 2012 pankade kasuks finantskriisi kontekstis võetavate toetusmeetmete suhtes (ELT C 356, 6.12.2011, lk 7).
43).
Komisjoni teatis riigiabi eeskirjade kohaldamise kohta alates 1. augustist 2013 pankade kasuks finantskriisi kontekstis võetavate toetusmeetmete suhtes (ELT C 216, 30.7.2013, lk 1).
Commission Decision of 19 November 2008 in State aid N 560/2008 ‘Support Measures for the Credit Institutions in Greece’ ( OJ C 125, 5.6.2009, p.
Vt joonealune märkus 6.
6).
Vt joonealune märkus 4.
It was registered under the number SA.26678 (N 560/2008).
25. juunil 2014. aastal esitatud ümberkorralduskava, lk 51.
That scheme was subsequently prolonged and amended as described in footnote 4.
Vt menetluse algatamise otsus, põhjendus 41.
‘The Bank’ refers to the Piraeus Bank Group.
Samuti märgiti, et Kreeka andis Piraeuse pangale abi Kreeka pankade toetuskava alusel, mille komisjon on Euroopa Liidu toimimise lepingu artikli 107 lõike 3 punktist b lähtuvalt heaks kiitnud, ning Kreeka finantsstabiilsuse fondi kaudu, mille asutamise on komisjon vastava otsusega samuti heaks kiitnud.