natgillin/translations-raw huggingface dataset:
All these Slovene banks have failed in the same way our banks failed when they were in state ownership.
Sve te slovenske banke su propale kao što su propale i naše banke kad su bile u državnom vlasništvu.
The direct cost of this for Slovene tax payers was some 10% of GDP, or more, if indirect costs are taken into account."
I to je Slovenske porezne obveznike direktno koštalo 10tak % BDP-a i još više u neizravnom trošku."
The Governor added that Hrvatska poštanska banka, now operating successfully and earning a high operating income, had to be recapitalised twice.
Naveo je guverner da je i Hrvatsku poštansku banku koja sada dobro posluje, s visokom operativnom dobiti, trebalo dva puta dokapitalizirati.
"Had state-owned banks been so good, we would have learned about it by now.
"Kad bi državne banke bile tako dobre onda bismo to već naučili.
However, history teaches us just the opposite - they are better off being private."
Međutim, povijest nas uči suprotno - bolje je da su privatne."
He also commented on the role of supervision and explained that the Croatian National Bank does not have a say in who will be granted loans; decisions on that are entirely in the hands of banks' credit committees.
Također se osvrnuo na ulogu supervizije te objasnio da Hrvatska narodna banka ne odlučuje kome se dodjeljuju krediti, već o tome odlučuju kreditni odbori banaka.
"The role of supervision is to protect the stability of the banking system, to protect banking system deposits and provide assurance to people that their money is safe with the banks."
"Uloga supervizije je štititi stabilnost bankovnog sustava, da bi zaštitila depozite u bankovnom sustavu, a sve zato da ljudi budu sigurni da svoje novce mogu odnijeti u banke."
Boris Vujčić also explained that supervision imposes on the banks the obligation to keep a minimum capital adequacy ratio, i.e. the minimum capital they need to have in relation to the risks they assume and that it conducts periodic checks whether the banks comply with this capital adequacy requirement, assessing the risks of their placements by which they reduce capital.
Boris Vujčić objasnio je i da supervizija bankama određuje minimalnu kapitalnu adekvatnost, minimum kapitala koji moraju imati u odnosu na rizike koje preuzimaju i periodično provjerava održavaju li banke tu kapitalnu adekvatnost, ocjenjujući rizičnost njihovih plasmana za koji umanjuju kapital.
He also spoke of banks' attacks in connection with the requirement to increase provisions and stressed that 56% of non-performing loans are covered by provisions which ensures banking system stability and reduces the risk of poor performance by banks for Croatian tax payers.
Podsjetio je i na napade banaka na zahtjev za povećanjem rezervacija i istaknuo da je 56% loših plasmana rezervirano, čime se osigurava stabilnost bankovnog sustava, i umanjuje rizik za hrvatske porezne obveznike od troškova lošeg bankarskog poslovanja.
Responding to remarks that our international reserves were too high in comparison to some Central and East European countries, the Governor explained: "Why not look up to Slovenia or the Baltic countries?
Na primjedbe da imamo previsoke međunarodne pričuve u odnosu na neke zemlje središnje i istočne Europe guverner je odgovorio: "Zašto se ne ugledamo na Sloveniju ili baltičke zemlje?
Because these countries belong to the euro area and we do not.
Pa zato jer su te zemlje u eurozoni, a mi još nismo.
As soon as Croatia enters the euro area, we will not have to keep such reserves anymore."
U trenutku kada Hrvatska uđe u eurozonu mi nećemo morati držati više takve pričuve."
Governor Vujčić noted again that we were not in the euro area and that it would take some time before we were.
Guverner Vujčić je ponovio da još nismo u eurozoni i da će biti potrebno neko vrijeme da uđemo.
"I have been explaining for the past two days how long it would take and how to do it.
"Objašnjavao sam zadnja dva dana koliko i kako.
To get there we have to do our homework.
A da uđemo tamo moramo odraditi domaću zadaću.
We have to make structural reforms which will enable reduction of the public debt to GDP ratio and this is something everybody is telling us.
Moramo napraviti strukturne reforme koje će omogućiti smanjivanje udjela javnog duga u BDP-u i to nam kažu svi.
The IMF also tells us that and so do the European Commission and the investors worried about their money.
To kaže i MMF, to kaže i Europska komisija, to kažu i investitori koji se brinu za svoje novce.
I do not recall any of them mentioning monetary reforms; they all speak of structural reforms and fiscal adjustment.
Ne sjećam se da je itko od njih spominjao monetarne reforme, svi spominju strukturne reforme i fiskalnu prilagodbu.
Only then will we be able to reduce international reserves and we will do that."
I tada ćemo moći smanjiti međunarodne pričuve i učinit ćemo to."
The deputies were particularly interested to know why long-term (structural) repo auctions were launched now instead of in 2013 or 2014.
Zastupnike je posebno zanimalo zašto se s dugoročnim (strukturnim) repo aukcijama krenulo sada, a ne 2013. ili 2014. godine.
"There are several reasons for that.
"Nekoliko je razloga.
So, why not long-term repo?
Međutim, zašto ne dugoročni repo?
Because we were still in recession at that time and foreign liabilities of banks exceeded foreign assets of banks, which means that there was a danger of further bank deleveraging, export of capital abroad and the issue of collateralising long-term repo operations in the banking system.
Zato, jer tada smo bili još uvijek u situaciji recesije, tada je inozemna pasiva banaka bila veća od inozemne aktive banaka, znači postojala je opasnost od daljnjeg razduživanja banaka, iznosa kapitala u inozemstvo, od osiguravanja dugoročnih repo operacija bankovnom sustavu.
At that time we did not have such a surplus in our current account."
Tada još uvijek nismo imali ovakav suficit na tekućem računu platne bilance".
The Governor further stressed that there was a danger of depreciation of the exchange rate, since at that time we were not in the phase of GDP recovery and the demand for kuna loans such as that which exists today when kuna loans are growing faster than euro loans, did not exist.
Osim toga, naglasio je guverner, postojala je opasnost da to djeluje na deprecijaciju tečaja, tada nismo bili u fazi oporavka BDP-ai nije postojala potražnja za kunskim kreditima kakva postoji danas, kada kunski krediti rastu brže od eurskih.
Governor Vujčić also described the reasons for Croatia's euroisation and noted that the process of de-eurisation might take place in the conditions of a credible economic and fiscal policy that people can trust and in the conditions of gradual appreciation of the exchange rate of the domestic currency, since the process of depreciation present for a long time is responsible for the high level of euroisation.
Guverner Vujčić opisao je i razloge zbog kojih je Hrvatska eurizirana te je naveo da bi se proces deeurizacije mogao odvijati u uvjetima kredibilne ekonomske i fiskalne politike u koju će ljudi imati povjerenje i u uvjetima postupne aprecijacije tečaja domaće valute, budući da je dugotrajni proces deprecijacije i doveo do visokog stupnja eurizacije.
Commenting on the question of remuneration paid to the Croatian National Bank Governor, the Governor stressed that Governor's salary is not paid from the budget of the Republic of Croatia and underlined that all recruitment is made in accordance with public job announcement procedures which are very fair and rigorous and help select only the best candidates which explains the high quality of CNB staff.
Na pitanja o plaći guvernera Hrvatske narodne banke te zapošljavanju, guverner je istaknuo da se plaća guvernera ne financira iz proračuna RH, a sva se zapošljavanja provode putem javnih natječaja, koji su vrlo pošteni i vrlo rigorozni, i na kojima se izabiru najbolji i zato je kvaliteta ljudi u HNB-u tako dobra.
As regards the issue of loans with a currency clause in the Swiss franc and the conversion of those loans, the Governor emphasised that on 20 January 2015, a week after the policy of the Franc's peg to the euro was abandoned, the Croatian National Bank published a comprehensive report on the causes, structure, and possible impacts of some of the suggestions put forward for the resolution of the problems associated with those loans and a new report was submitted to the Croatian Parliament before the adoption of the Act on Amendments to the Consumer Credit Act in September 2015.
O problemu kredita s valutnom klauzulom u švicarskom franku i konverziji tih kredita guverner je naglasio da je 20. siječnja 2015. godine, tjedan dana nakon napuštanja politike fiksiranja tečaja franka uz euro, Hrvatska narodna banka objavila sveobuhvatno izvješće o uzrocima, strukturi i mogućim učincima nekih prijedloga za rješavanje problema tih kredita, a novo izvješće poslano je Hrvatskom saboru prije donošenja Zakona o izmjeni i dopunama Zakona o potrošačkom kreditiranju u rujnu 2015. godine.
The Governor reiterated that the banks had until now reported a loss of HRK 7bn, but that banking system stability was not threatened, the fact underlined by the CNB already in September 2015.
Guverner je ponovio da su banke do sada iskazale gubitak od 7 mlrd. kuna, no da stabilnost bankovnog sustava nije ugrožena, što je HNB istaknuo i u rujnu 2015. godine.
The Governor stressed that in the same way that he had warned of the risks of borrowing in CHF in 2015, then as Deputy Governor, he now warned of the risks associated with the resolution of the issue of loans in francs.
Guverner je istaknuo da, kako je 2005. godine upozoravao na rizike kreditiranja u CHF, dok je bio zamjenik guvernera, tako je i sada upozorio na rizike povezane s rješenjem problema kredita u francima.
"On both occasions I received no support", stated Boris Vujčić, responding to the questions on loans in Swiss francs.
“Nisu me podržali ni onda, a niti sada“, zaključio je Boris Vujčić odgovor na pitanje o kreditima u švicarskim francima.
Responding to the question of loans granted by Austrian savings banks, the Governor stressed that borrowing abroad had been and still was allowed and that those loans agreements had been entered into in Austria and as such were outside the jurisdiction of the Croatian National Bank or its supervisory competence.
Guverner je u odgovoru na pitanje o kreditima austrijskih štedionica naglasio da je zaduživanje u inozemstvu bilo i jest dozvoljeno, te da su to krediti koji su sklopljeni u Austriji i da ih Hrvatska narodna banka nije nadležna, odnosno nije u mogućnosti nadzirati.
Explaining the question of the sale of gold in 2001 that was also brought up during the discussion, the Governor said that the Croatian budget would have received a billion kuna less in payments from the Croatian National Bank had we decided to keep in the reserves the gold inherited from the Bank for International Settlements.
U raspravi je spomenuta i prodaja zlata 2001. godine, te je guverner pojasnio da bi hrvatski proračun do danas bio dobio milijardu kuna manje uplata iz Hrvatske narodne banke da smo u pričuvama zadržali zlato koje smo naslijedili iz Banke za međunarodnaporavnanja.
In his concluding statement, Boris Vujčić emphasised the importance of mutual alignment of monetary and fiscal policies.
U zaključku je Boris Vujčić naveo važnost usuglašavanja monetarne i fiskalne politike.
He stressed that: "Monetary and fiscal policies must be aligned.
Naglasio je: "Monetarna politika i fiskalna moraju biti usklađene.
The task of monetary and fiscal policies is to act in a countercyclical manner.
Zadaća monetarne i fiskalne politike je da djeluju kontraciklički.
What does that mean?
Što to znači?
When the downward economic cycle begins and GDP growth rate starts falling, to prevent a sharp fall.
Kad ciklus krene dolje ekonomski, kad stopa rasta BDP-a počne padati, da spriječe snažan pad.
The monetary policy was able to do that due to its restrictive character prior to the crisis.
Monetarna politika je to mogla raditi zato jer je bila restriktivna prije krize.
In other words, we pursued a very restrictive policy until 2009 and then we were able to start relaxing it from 2009 until today and have this countercyclical effect.
Znači, imali smo vrlo restriktivnu politiku do 2009. godine i onda smo je mogli početi otpuštati od 2009. do danas i imati taj kontraciklički efekt.
Owing to that, Croatia was able to stay out of imposed programmes, was not managed by the IMF or the European Commission but was able to pursue its policy independently."
Zbog toga Hrvatska nije završila u programu, zbog toga Hrvatska nije bila upravljana od MMF-a, Europske komisije nego je mogla samostalno voditi politiku."
"Neither monetary nor fiscal policy can improve productivity or solve structural issues of public administration efficiency, poor business climate in Croatia, investment impossibility and legal uncertainty.
"Ne mogu ni monetarna ni fiskalna politika dići produktivnost, one neće riješiti strukturna pitanja efikasnosti državne administracije, lošu poslovnu klimu u Hrvatskoj, nemogućnost investiranja, pravnu nesigurnost.
"So, when the Parliament is not in session, you can pick the topics that you want to discuss with us at the CNB, with presentations, explanations, and come up any questions you might have", said Governor of the Croatian National Bank in conclusion.
"Znači, kad Sabor ne zasjeda vi možete birati teme koje želite s nama raspraviti u HNB-u, uz prezentacije, uz objašnjavanja, kakva god pitanja imali", zaključio je guverner Hrvatske narodne banke.
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The Croatian National Bank devotes special attention to providing the fullest and most complete information possible to the domestic and international public on its goals, measures to attain them and the results of its activities.
Hrvatska narodna banka osobitu pozornost posvećuje što potpunijem i razumljivijem informiranju domaće i međunarodne javnosti o svojim ciljevima i mjerama za njihovo ostvarivanje kao i o rezultatima svojih aktivnosti.
Through various information channels, the CNB provides regular and up-to-date information to the public on all important aspects of its actions.
Primjenjujući pritom različite oblike komuniciranja HNB redovito i ažurno obavještava javnost o svim važnijim aspektima svog djelovanja.
A large number of citizens, enterprises, media representatives, government institutions, embassies and other entities make inquiries for information and data with the Croatian National Bank.
Hrvatskoj narodnoj banci obraća se sa zamolbom za potrebna objašnjenja i podatke velik broj građana, poduzeća, predstavnika medija, državnih institucija, veleposlanstava i drugih.
Many secondary school pupils, students and domestic and foreign researchers inquire about professional literature.
Također, tražeći informacije o literaturi javlja se i velik broj srednjoškolaca, studenata i istraživača iz zemlje i inozemstva.
The information required concerns all CNB's areas of operation and it is available to all interested citizens and firms, with the exception of the information required to be kept as a business secret by the CNB pursuant to the Act on the Croatian National Bank, the Credit Institutions Act, the Official Statistics Act and other acts.
Tražene informacije odnose se na sva područja djelovanja HNB-a i dostupne su zainteresiranim građanima i tvrtkama, osim kada je riječ o informacijama koje je hrvatska središnja banka obvezna čuvati kao poslovnu tajnu na temelju Zakona o Hrvatskoj narodnoj banci, Zakona o kreditnim institucijama, Zakona o službenoj statistici i drugih zakona.
The Croatian National Bank consistently applies the provisions of the Law on the Right of Access to Information.
Hrvatska narodna banka dosljedno primjenjuje odredbe Zakona o pravu na pristup informacijama.
In addition to direct provision of information, the information requested is provided by enabling the applicants to examine the relevant documents or by providing them with the copies of the documents containing the information requested, as well as in other ways, for example by referring the applicants to the source of the information.
Pristup zatraženim informacijama omogućuje se neposrednim pružanjem informacija pošiljatelju zahtjeva, uvidom u dokumente i dostavljanjem preslika dokumenta koji sadržava tražene informacije, kao i na druge načine, primjerice upućivanjem podnositelja zahtjeva na mjesto gdje je tražena informacija objavljena.
The CNB commits effort to process information access requests in the shortest possible period, within the legally prescribed deadlines.
Pristigle zahtjeve za pristup informacijama HNB nastoji riješiti promptno, a najkasnije u zakonom propisanim rokovima.
The CNB collects no charges on the provision and submission of the information requested.
Naknadu za pružanje i dostavu tražene informacije HNB ne naplaćuje.
Following the adoption of especially important decisions on monetary policy and other central bank tasks, the CNB organises press conferences with journalists covering the finance and banking sector so as to provide them with detailed information on the changes made, enabling them to report them to the public as fully and clearly as possible.
Nakon donošenja posebno važnih odluka povezanih s monetarnom politikom i drugim zadaćama središnje banke HNB organizira sastanke s novinarima koji prate financije i bankarstvo, kako bi se oni pobliže upoznali s promjenama te o njima što upućenije i razumljivije izvijestili širu javnost.
The Croatian National bank has appointed an information officer and posted an informative website announcement on the officer's method of work.
Hrvatska narodna banka imenovala je službenika za informiranje i putem objave na internetskoj stranici upoznala javnost sa službenim podacima o tom službeniku i načinom njegova rada.
Representative of the ICBA-e
Predstavnik ICBA-e
Good afternoon, ladies and gentlemen, Governor and fellow attendees at the Ante Čičin-Šain Lecture.
Dobar dan, dame i gospodo, guverneru i kolege, svi, vi, koji ste došli na Predavanje Ante Čičin-Šain.
You'll be glad to hear that I only intend to say a few words, not too many.
Bit će vam drago čuti da namjeravam reći tek nekoliko riječi, ne previše.
From experience, I appreciate that if I don't say them at the beginning, I'll be talking to myself at the end, so you'll have to put up with me for a few moments.
Ako ih ne kažem na početku, iz iskustva znam da ću na kraju govoriti sam sebi u brk, tako da ćete me morati otrpjeti nekoliko minuta.
First of all, I am under strict instruction to convey the greetings and good wishes of your Ambassador in Dublin and First Secretary there, miss Jasna Ognjanovac and Ružica Januš who cannot be here today due to the large amount of work they do in Dublin on your behalf.
Prije svega, dobio sam stroge upute da vam prenesem pozdrave i dobre želje vaše veleposlanice u Dublinu i prve tajnice ondje, gospođica Jasne Ognjanovac i Ružice Januš, koje ne mogu biti danas ovdje radi mnogo posla koje u vaše ime obavljaju u Dublinu.
Indeed, I'm glad to say that this month they've already had one event and are holding the Croatian Investment Forum on October 22nd.
Zapravo, drago mi je što vam mogu reći da su ovaj mjesec već održale jedan događaj, a Hrvatski investicijski forum zakazan je za 22. listopada.
I am also delighted to see Susan Bardon from the Irish Embassy in Ljubljana here.
Također mi je drago što je ovdje i Susan Bardon iz Irskog veleposlanstva u Ljubljani.
It is just appropriate to note the fact that during the course of these lectures embassies have always given all the support when able and when asked.
Ovom prilikom treba istaknuti i činjenicu da su tijekom predavanja veleposlanstva pružala potporu kada god su mogla i kada se to od njih tražilo.
The lecture, as you can see, is named in honor of the late Ante Čičin-Šain.
Kao što je očito, predavanje je dobilo naslov u čast pokojnoga Ante Čičin-Šaina.
I feel that after eight such events, most of them, unfortunately, since Ante passed away, I've learned there's little I can say about Ante that hasn't already been said before.
Nakon osam takvih događaja, većine njih, na žalost, otkad Ante nije više s nama, znam da se o Anti može reći malo što što već nije bilo rečeno.
Suffice to say that the choice to name this lecture series after him is reflected in the fact that he was the first governor of the national bank in independent Croatia and marks the achievements he attained when he was Croatian Ambassador to Ireland, but was in fact based in London.
Dovoljno je napomenuti da se izbor da se ova predavanja nazovu po njemu ogleda u činjenici da je bio prvi guverner Narodne banke u samostalnoj Hrvatskoj i da je doista mnogo postigao kada je bio hrvatski veleposlanik u Irskoj, ali je zapravo radio iz Londona.
I think it was an enormous achievement for him to do as much as he did and make as many friends and develop as many contacts as he did when operating in Dublin.
Mislim da je sve što je tada učinio, prijateljstva koja je sklopio, kontakti koje je uspostavio, bilo golemo postignuće.
I'm sure Susan will be well aware of the difficulties that can exist in that regard.
Siguran sam da je i Susan itekako svjesna poteškoća koje u tom pogledu mogu postojati.
While Ante isn't here, it is particular pleasure to meet up again with Vesna, who still looks as beautiful as she did when I first met her back in 1995, and Jerko, who certainly doesn't look like he did in 1995.
Ante nije s nama, ali mi je posebno zadovoljstvo susresti se ponovno s Vesnom, koja je i dalje onako lijepa kao što je to bila kad smo se upoznali 1995., i Jerkom, koji sigurno više ne izgleda kao što je izgledao 1995.
The significance of this lecture can perhaps be best expressed by alluding back to the visit of our Irish President Michael D.
Važnost ovoga predavanja, možda se najbolje može izraziti prisjetimo li se dolaska našega irskog predsjednika Michaela D.
Another former Ambassador to Ireland, Nenad Prelog, played a considerable part in what I believe was one of the several triumphs of the visit, the debate in the University of Zagreb.
Još jedan bivši veleposlanik u Irskoj, Nenad Prelog, pritom je odigrao značajnu ulogu u organizaciji uspješnog posjeta Sveučilištu u Zagrebu.
Referring to Croatian-Irish relations, President Higgins singled this event out as the most symbolic of the achievements marking those relations.
Kada je govorio o hrvatsko-irskim odnosima, predsjednik Higgins izdvojio je ovaj događaj kao njihov najveći simbol.
I look forward to the continuation of these relations even if it does not always have to fall on us.
Radujem se nastavku tih odnosa, čak i ako oni ne budu uvijek naša odgovornost.
No doubt, at some stage, we'll be replaced and the lecture series will go on.
Nema sumnje da će nas u nekome trenutku zamijeniti, a niz predavanja nastavit će se.
That brings me to the speakers today.
To me dovodi do današnjih govornika.
Tomislav is our host and he works for Boris.
Tomislav je naš domaćin, ali on radi za Borisa.
Kieran Corrigan is a good friend of mine, but neither do I work for him.
Kieran Corrigan je dobar prijatelj, ali ne radim niti za njega.
Therefore, I will share with you some briefer descriptions, than Tomislav, of them.
Dakle, ja ću s vama podijeliti njihove opise, ali će oni biti kraći od onih Tomislavovih.
There used to be an English television program called This is Your Life.
Nekoć se emitirala engleska serija pod naslovom Ovo je vaš život.
I don't know if any of you remember it, or if it made to this part of the world, but it effectively consisted of various people from the past, meeting someone they hadn't seen for years, and there was always a short synopsis of the person that they were doing the program about.
Ne znam sjeća li je se itko od vas, i je li uopće dospjela do ovog dijela svijeta, ali u njoj su se uvijek susretali razni likovi iz prošlosti, netko tko se nije vidio godinama, a gledatelji bi dobili kratak opis osobe koja bi se pojavila u epizodi.
I was thinking about how difficult it would be to do it about Boris.
Razmišljao sam o tome kako bi to bilo teško učiniti za Borisa.
Where would one start?
Odakle bih uopće počeo?