natgillin/translations-raw huggingface dataset:
Life insurance policy and/or asset insurance policy − if used as a loan collateral it has to be transferred (assigned) to the credit institution.
Polica osiguranja života i/ili imovine - ako se rabi kao instrument osiguranja pri odobravanju kredita potrebno ju je prenijeti (vinkulirati) u korist kreditne institucije.
Responsibility for own debt management
Odgovornost za upravljanje vlastitim dugovima
One of the main preconditions for successful debt management is good cooperation between credit institutions and consumers.
Jedna od temeljnih pretpostavki za uspješno upravljanje dugom jest kvalitetna suradnja između kreditne institucije i potrošača.
Credit institutions' good practices certainly provide a key to assisting consumers in the use of products and services and to cost optimisation.
Dobra praksa kreditnih institucija svakako je pružanje pomoći potrošačima tijekom korištenja proizvoda i usluga sa svrhom optimiziranja troškova.
It is vital in this context that consumers, i.e. debtors, play an active role in accepting the information provided by credit institutions.
Pritom je ključan zadatak potrošača - dužnika aktivan pristup u prihvaćanju informacija koje mu daju kreditne institucije.
Unfortunately, despite a wide range of options for information exchange available to consumers and credit institutions, very often there are situations where co-debtors, guarantors, lien debtors and even debtors themselves become aware of the obligations assumed and possible consequences only after a contractual obligation is exercised and prompts undesired consequences.
Nažalost, unatoč svim mogućnostima razmjene informacija koje potrošačima i kreditnim institucijama stoje na raspolaganju, događa se da sudužnici, jamci, založni dužnici, pa čak i sami dužnici, postanu svjesni preuzete obveze i mogućih posljedica tek nakon što se takva ugovorna obveza aktivira uz neželjene posljedice.
In case you are unable to service a debt, think about the assets (movable and immovable) that you own and may sell to repay your debt or think about the possibility of increasing your income (e.g. various forms of material rights which you may be entitled to in accordance with applicable regulations).
U slučaju nemogućnosti servisiranja duga, promislite o imovini (pokretninama i nekretninama) kojom raspolažete, a posebno o onoj koju biste mogli prodati radi otplate duga ili drugim mogućnostima povećavanja prihoda (npr. različiti oblici materijalnih prava koja vam u skladu s važećim propisima mogu pripasti).
It might also be a good idea to inform the credit institution about all your other financial obligations and costs that you may have currently to determine your total expenses.
Također je dobro da kreditnu instituciju informirate i o svim ostalim financijskim obvezama i troškovima koje trenutno imate kako bi se utvrdili vaši ukupni izdaci.
You might be referred to a specialist team in your credit institution which will help you make your future repayment plan for your obligations.
Možda ćete biti upućeni da takav razgovor obavite s nekim od specijaliziranih timova u vašoj kreditnoj instituciji koji će vam pomoći u izradi budućeg plana otplate vaših obveza.
It is possible that they will suggest you to stop using some of the products and services you have been using so far to cut your expenses as much as possible.
Moguće je da će vam predložiti da privremeno prekinete s korištenjem nekih proizvoda i usluga kojima ste se dosad koristili sa svrhom postizanja što nižih izdataka.
Note: Credit institutions have individual approach to each client in financial distress and will not encourage you to agree to a repayment plan which they estimate you will not be in a position to follow.
Napomena: Kreditne institucije imaju individualan pristup prema svakom klijentu u financijskim poteškoćama i neće vas poticati da pristanete na dogovor oko otplate duga za koji procjenjuju da ga nećete moći poštovati.
However, even if you fail to reach an agreement with the credit institution about further repayment plan for your debts, it is important that you stay in contact with it so that you can respond on time should the circumstances change.
Međutim, ako i ne uspijete postići dogovor s kreditnom institucijom o daljnjem načinu otplate svojih dugova, važno je da i nadalje ostanete u kontaktu s njom kako biste pravodobno reagirali ako se okolnosti promijene.
Idiosyncratic Shocks, Economic Governance of the Euro-area and the Role of Member States
Idiosinkratski šokovi, ekonomsko upravljanje u europodručju i uloga zemalja članica
Date of event
Mjesto događanja
The economic and sovereign debt crisis in Europe has triggered a comprehensive institutional reform to avert similar catastrophic scenarios in the future and provide ongoing income support to member states should they still occur.
Ekonomska i dužnička kriza u Europi pokrenula je sveobuhvatnu institucionalnu reformu kojom se nastoje spriječiti slični katastrofalni scenariji u budućnosti, ali i osigurati sustavna dohodovna potpora zemljama članicama, ako do toga ipak dođe.
Substantial fiscal risk sharing mechanisms have been contemplated, ranging from a limited euro area budget, direct transfers between the member states and a degree of debt mutualisation, to common unemployment insurance, all in an effort to establish a link between individual income risk and fiscal transfers.
U tom smislu razmišljalo se o različitima mehanizmima dijeljenja fiskalnih rizika, kao što su zajednički proračun za europodručje, izravni međudržavni transferi, određeno uzajamno jamčenje državnog duga i zajedničko osiguranje za vrijeme nezaposlenosti, a sve to u nastojanju da se uspostavi veza između individualnog rizika i fiskalnih transfera.
However, these arrangements fall short of mitigating idiosyncratic1 shocks that affect the member states in "normal" times.
Međutim, svi ti mehanizmi vrijedili bi samo za izvanredne situacije i ne bi donijeli olakšanje zemljama članicama pri idiosinkratskim šokovima koji utječu na zemlje članice u "normalnim" vremenima.
As reported by empirical studies, risk sharing among the Canadian provinces, the German states and the US states is approximately about 39% through capital markets and 23% through credit market mechanisms.
Veličinu rizika podijeljenog među kanadskim provincijama, njemačkim saveznim zemljama i američkim državama različita empirijska istraživanja procijenila su na red veličine od oko 39% putem tržišta kapitala i oko 23% putem kreditnih mehanizama.
However, capital markets in the euro area broke down during the financial crisis, when risk sharing was most needed.
Međutim, tržišta kapitala u europodručju slomila su se tijekom financijske krize, upravo kada je dijeljenje rizika bilo najpotrebnije.
Current EU discussions foresee a limited fiscal capacity, mostly in the range of 1 to 2% of the euro area GDP, which will, even in a full-blown fiscal union, fall short of any significant idiosyncratic shock smoothing.
Trenutačna rasprava u EU-u predviđa izrazito ograničen fiskalni kapacitet, uglavnom u rasponu od 1% do 2% BDP-a europodručja, što čak ni u kontekstu fiskalne zajednice ne bi moglo donijeti olakšanje zemlji pogođenoj idiosinkratskim šokom, u smislu ublažavanja pada potrošnje i dohotka.
The key is to balance income smoothing and risk sharing both through capital markets and through fiscal transfers, along with a strict enforcement of moral hazard limitations.
Naprotiv, ključ je u ravnoteži izglađivanja prihoda i podjele rizika i putem tržišta kapitala i putem fiskalnih transfera, uz strogi nadzor nad moralnim hazardom zemalja članica.
CROATIAN NATIONAL BANK
supervizije
Prudential Regulation and Supervision Area
ZAHTJEV ZA IZDAVANJE PRETHODNE SUGLASNOSTI
APPLICATION FOR A PRIOR APPROVAL FOR THE APPOINTMENT OF THE
ZA IMENOVANJE PREDSJEDNIKA ILI ČLANA UPRAVE
CHAIRPERSON OR A MEMBER OF THE MANAGEMENT BOARD
ILI ČLANA NADZORNOG ODBORA
CREDIT INSTITUTION: ____________________________
KREDITNA INSTITUCIJA ____________________________
Head office: ______________________________________
Sjedište ____________________________________________
2 The application is submitted for the purpose of granting prior approval for the appointment to the function of:
2. Zahtjev se podnosi radi izdavanja prethodne suglasnosti za imenovanje na funkciju:
☐ a member of the supervisory board
☐ člana nadzornog odbora
☐ the chairperson of the management board
☐ predsjednika uprave
☐ a member of the management board
☐ člana uprave
3 Information on the candidate:
3. Podaci o osobi za koju se zahtjev podnosi:
5 Statement of grounds for candidate selection:
5. Obrazloženje odluke o odabiru kandidata:
Date and place Name and surname of the applicant's
Mjesto i datum Ime i prezime ovlaštene osobe
authorised person
podnositelja zahtjeva
Attachments to be provided with this application:
U prilogu ovoga zahtjeva dostavlja se:
decision on the appointment of a candidate for the chairperson or a member of the management board or a member of the supervisory board;
odluka o imenovanju kandidata za predsjednika odnosno člana uprave i člana nadzornog odbora,
outcome of the suitability assessment carried out by the credit institution, including the statement of grounds;
rezultati procjene primjerenosti koju je provela kreditna institucija s obrazloženjem,
a certified copy of the identity card or a certified copy of the passport, in the case of foreign nationals;
ovjerena preslika osobne iskaznice odnosno ovjerena preslika putovnice za strane državljane,
a certified copy of the diploma or a translation of a foreign university diploma certified by a sworn and certified court interpreter;
ovjerena preslika diplome odnosno prijevod diplome stranog fakulteta koju je ovjerio stalni sudski tumač,
a completed Questionnaire;
ispunjeni Upitnik,
if available, references given by immediate superiors in the employer for not less than the last three years;
ako su dostupne, preporuke izravno nadređenih osoba u poslodavcu barem za posljednje tri godine,
a statement that the candidate for the chairperson or a member of the management board or a member of the supervisory board of a credit institution has not committed a crime or a minor offence, and that no criminal or minor offence proceedings are pending against him/her;
izjava da kandidat za predsjednika ili člana uprave odnosno člana nadzornog odbora kreditne institucije nije počinio kazneno djelo ili prekršaj niti se protiv njega vodi kazneni ili prekršajni postupak,
if available, proof from the criminal history and minor offence history records, in particular:
ako je dostupan, izvadak iz kaznene i prekršajne evidencije, i to:
- for the nationals of the Republic of Croatia, a municipal court certificate indicating whether criminal proceedings are pending against the candidate, not older than three months; and
- za državljane Republike Hrvatske uvjerenje općinskog suda o tome vodi li se protiv kandidata kazneni postupak, koje nije starije od tri mjeseca i
- for foreign nationals, evidence that the candidate has not been convicted of a minor offence, evidence on whether criminal or minor offence proceedings are pending against the candidate and on whether the candidate has been convicted of a crime by a judgement with final force and effect, not older than three months; and
- za strane državljane podaci o prekršajnoj neosuđivanosti kandidata, o tome vodi li se protiv kandidata kazneni ili prekršajni postupak te o tome je li kandidat pravomoćno osuđen za kazneno djelo, koji nisu stariji od tri mjeseca i
for a candidate to be appointed as the chairperson or a member of the management board, the work programme referred to in Article 12 of the Decision on the assessment of the suitability of the chairperson of the management board, members of the management board, members of the supervisory board and key function holders in a credit institution.
za kandidata koji se imenuje za predsjednika ili člana uprave program rada iz članka 12. ove Odluke o procjeni primjerenosti predsjednika uprave, člana uprave, člana nadzornog odbora i nositelja ključne funkcije u kreditnoj instituciji.
The completed form should be printed out, scanned and attached to the e-form.
Ispunjeni obrazac potrebno je ispisati te potpisanog skenirati i priložiti e-obrascu.
Terms of use
HNB
Update of the web site
Ažuriranje web stranice
The webpages of the Croatian National Bank (CNB) are updated on a regular basis.
Web stranica Hrvatske narodne banke (HNB) kontinuirano se ažurira.
The CNB reserves the right to change information (amend or/and correct) in full or in part at any time.
HNB ima pravo u svakom trenutku promijeniti (dopuniti i/ili ispraviti) informacije, u cijelosti ili djelomično.
The CNB makes every effort to ensure that all information and data in web documents are accurate and of recent date.
HNB nastoji osigurati da su sve informacije i podaci u materijalima objavljenima na web stranici točni i ažurni.
Web site related copyright
Autorsko pravo
The Croatian National Bank holds the copyright to www.hnb.hr and the contents of that site, except in cases where it is explicitly stated otherwise.
Hrvatska narodna banka ima autorsko pravo na web stranicu www.hnb.hr, kao i na sadržaj te stranice, osim u slučajevima kada je izričito naznačeno drugačije.
The Croatian National Bank permits copying material from its web site under the condition that the CNB is stated as the source.
HNB dopušta da se sadržaj s njezine stranice kopira, uz uvjet da se HNB navede kao izvor.
The reproduction of banknotes is, however, subject to special rules.
No reproduciranje novčanica podliježe posebnim pravilima.
It is not permitted to amend the contents of the material.
Mijenjanje sadržaja materijala objavljenog na web stranici HNB-a nije dopušteno.
The Croatian National Bank grants permission to create links to www.hnb.hr.
Hrvatska narodna banka odobrava postavljanje linkova na njezinu web stranicu.
The links have to lead directly to the CNB's web address and may not be used for any kind of advertising.
Ti linkovi moraju voditi izravno na www.hnb.hr i ne mogu se upotrebljavati za bilo koji oblik oglašavanja.
The CNB does not assume any responsibility or liability for any loss or damage, which might occur from using the information contained in the CNB's site.
Hrvatska narodna banka ne snosi odgovornost za bilo kakav gubitak ili štetu koji mogu nastati zbog upotrebe informacija objavljenih na web stranici HNB-a.
The CNB Council adopts the central bank's Semi-annual Report
Usvojeno polugodišnje izvješće
The CNB Council reviewed at its today's session the latest indicators of monetary and economic developments and adopted the report on the work of the central bank in the first half of the year.
Savjet Hrvatske narodne banke na današnjoj je sjednici razmotrio najnovije pokazatelje o gospodarskim i novčanim kretanjima i usvojio izvješće o radu središnje banke u prvom polugodištu ove godine.
The CNB Council also approved the decisions of several supervisory boards of banks on the appointment of a chairman and members of their management boards: Ivan Purgar thus remains chairman and Marko Gabela member of the management board in Croatia banka d.d., Zagreb, Markus Ferstl remains chairman and Tea Martinčić becomes member of the management board in Hypo Alpe-Adria-Bank d.d., Zagreb, and Mario Žižek is reappointed as management board member in Raiffeisenbank Austria d.d., Zagreb.
Savjet HNB-a odobrio je i odluke nekoliko nadzornih odbora banaka o imenovanjima predsjednika i članova uprava: u Croatia banci d.d., Zagreb, i nadalje će predsjednik uprave biti Ivan Purgar a član uprave Marko Gabela, u Hypo Alpe-Adria-Bank d.d., Zagreb, predsjednik uprave ostaje Markus Ferstl a članicom uprave postaje Tea Martinčić, u Raiffeisenbank Austria d.d., Zagreb, ponovo se imenuje članom uprave Mario Žižek.
The Council members were also informed of the situation in Obrtnička štedna banka, where, according to the latest information, negotiations with a foreign pension fund concerning recapitalisation and acquisition are in their final stage, as a result of which that savings bank should be able to overcome the current difficulties and ensure prerequisites for more stable future operation.
Članovi Savjeta obaviješteni su i o stanju Obrtničke štedne banke, u kojoj se - prema najnovijim informacijama - privode završetku pregovori s jednim inozemnim mirovinskim fondom o dokapitalizaciji i preuzimanju, što bi ovoj štednoj banci trebalo omogućiti prevladavanje sadašnjih poteškoća i osigurati pretpostavke za stabilnije buduće poslovanje.
2 kuna - FAO (Food and Agriculture Organization of the United Nations)
20 lipa - FAO (Organizacija za hranu i poljoprivredu Ujedinjenih naroda)
Metal composition: alloy (copper, nickel and zinc)
Sastav kovine: Čelična jezgra obložena niklom
Motif on the obverse: the centre of the coin features the denomination numeral and currency name "2 KUNA" against the background showing a marten, an animal of the weasel family with highly prized fur, running to the right.
Motiv na licu: U središnjem dijelu brojčana oznaka i naziv novčane jedinice "20 LIPA", a u pozadini prikaz stilizirane grane lipe u cvatu.
Positioned centrally along the lower edge is the coat of arms of the Republic of Croatia, bordered on its left side by a stylised common oak branch with acorns, extending semi-circularly along the edge, and on its right side by a stylised blooming laurel branch, also extending semi-circularly along the edge.
Uz donji rub, u središnjem dijelu, prikaz grba Republike Hrvatske od kojeg je lijevo i desno prikaz pleterne ornamentike.
Motif on the reverse: the centre of the coin features a tuna, a large fish of the Scombridae family, against the background showing an array of miniature ornaments symbolising sea water.
Motiv na naličju: U središnjem dijelu prikazana je stilizirana maslinova grana s plodovima.
The Latin inscription "FIAT PANIS" (Let there be bread), the FAO motto, is displayed along the edge of the lower semi-circle.
Uz rub donjeg polukruga ispisan je na latinskom tekst "FIAT PANIS".
Motif on the reverse: the centre of the coin features a corn stalk with two ripe cobs.
Motiv na naličju: U središnjem dijelu prikaz vrha kukuruzne stabljike iz koje se otvaraju dva dozrela klipa.
The inscription "KUKURUZ" (Lat. ZEA MAYS) is displayed above the image, circularly along the edge of the coin.
Iznad prikaza, kružno uz rub, natpis "KUKURUZ" (lat. "ZEA MAYS").
CORN
KUKURUZ
Corn is one of the most important cereal plants in Croatia, its wide range of uses giving it exceptional economic significance.
Kukuruz je jedna od najvažnijih žitarica u Hrvatskoj, što joj zbog široke primjene daje iznimnu ekonomsku važnost.
This field crop has the highest yield potential thanks to the favourable climate and soil composition of continental Croatia, among the best in the world.
Ta ratarska kultura ima najveći potencijal rodnosti, zbog povoljne klime i sastava tla kontinentalnog dijela Hrvatske, koji su među najboljima na svijetu.
APPLICATION FOR AUTHORISATION FOR DIVISION, DISPOSAL (SPLIT-OFF) AND TRANSFER OF A PORTION OF ASSETS AND THE SAME PROPORTION OF LIABILITIES TO ANOTHER CREDIT INSTITUTION
ZAHTJEV ZA IZDAVANJE ODOBRENJA ZA RAZDVAJANJE, ODVAJANJE I PRIJENOS DIJELA IMOVINE I RAZMJERNOG DIJELA OBVEZA NA DRUGU KREDITNU INSTITUCIJU
5. Articles of Association in the form of a notarial deed or a certified copy thereof provide Articles of Association of all participating credit institutions or credit institutions being established in the context of division or disposal (split-off)
5. Statut u obliku javnobilježničkog akta, odnosno njegove ovjerene preslike dostaviti statut svih kreditnih institucija koje sudjeluju ili se osnivaju u okviru razdvajanja ili odvajanja
6. Ownership structure of participants in division, disposal (split-off) or transfer of a portion of assets and the same proportion of liabilities to another credit institution for each participant in division, disposal (split-off) or transfer of a portion of assets and liabilities, provide a list of shareholders and specify the types of shares they hold, indicating the nominal amounts by share types, the number of shares and the total amount of shares by share types held by shareholders and the percentage of the capital of the undertaking and of the voting rights (before and after division/disposal (split-off)
7. Prijedlog članova nadzornog odbora i uprave kreditne institucije (ako se osniva nova kreditna institucija) zahtjevu za izdavanje odobrenja za rad nove kreditne institucije koja nastaje razdvajanjem/odvajanjem prilažu se i zahtjevi za izdavanje prethodne suglasnosti za imenovanje članova nadzornog odbora i predsjednika i članova uprave kreditne institucija, odnosno kreditnih institucija koje sudjeluju u razdvajanju ili odvajanju
7. Proposed members of the supervisory board and the management board of the credit institution (where a new credit institution is established) enclose with the application for authorisation of a new credit institution formed as a result of division/disposal (split-off), applications for prior approval for the appointment of the members of the supervisory board and the chairperson and members of the management board of the credit institution, i.e. credit institutions participating in division or disposal (split-off)
8. Detaljan opis odvajanja/razdvajanja/prijenosa dijela imovine i obveza, s obrazloženjem ciljeva koji se time žele postići, uključujući dinamiku realizacije planiranih aktivnosti zaključno s datumom okončanja postupka odvajanja, odnosno razdvajanja ili prijenosa dijela imovine i obveza navesti ključne razloge za odvajanje, razdvajanje ili prijenos dijela imovine i obveza uz obrazloženje ciljeva koji se namjeravaju postići
12 Business strategy of the credit institution in view of the objectives and expectations, define in detail further operating strategy of the credit institution/institutions following division/disposal (split-off) or transfer of a portion of assets and liabilities as regards services, activities, new products, target client groups and the regional framework
12. Poslovna strategija kreditne institucije s obzirom na ciljeve i očekivanja potrebno je detaljno definirati strategiju daljnjeg poslovanja kreditne/-ih institucije/-a nakon provedenog odvajanja, razdvajanja ili prijenosa dijela imovine i obveza glede usluga, aktivnosti, novih proizvoda, ciljanih skupina klijenata, regionalnog okvira
13 Business plan with projections of financial statements (balance sheet, profit and loss account) for the following three years provide for each participant, including the new credit institutions: projections of the balance sheet and profit and loss account for not less than three years, using the forms used for submitting supervisory reports to the Croatian National Bank; explain expectations regarding developments in total assets, capital, reserves, capital adequacy ratio, total income, total expenses, profit and risk profile of the credit institution
14. Organizacijska, upravljačka i kadrovska struktura kreditnih institucija koje sudjeluju u odvajanju, razdvajanju ili prijenosu imovine i obveza navesti sve planirane promjene u organizaciji, upravljanju i kadrovskoj politici kreditnih institucija koje sudjeluju u odvajanju, razdvajanju ili prijenosu imovine i obveza
14 Organisational, management and personnel structure of credit institutions participating in division, disposal (split-off) or transfer of assets and liabilities specify all planned changes in the organisation, management and personnel of credit institutions participating in division, disposal (split-off) or transfer of assets and liabilities
15. Interni akti kojima su zacrtane politike i procedure poslovanja kreditne institucije dostaviti plan aktivnosti u vezi s izradom novih ili izmjenom postojećih internih akata kreditne institucije koji bi podržavali planirane promjene
15 Internal bylaws governing business policies and procedures of the credit institution provide a plan of activities regarding the drafting of new or amending the existing internal bylaws of the credit institution in support of the planned changes
16. Informatička tehnologija kreditne institucije opisati IT svakog sudionika i navesti i obrazložiti detaljni plan aktivnosti vezanih uz integraciju sustava i sl.