natgillin/translations-raw huggingface dataset:
(6) By way of derogation from the provisions of Article 4, paragraph (9) of this Decision, the protected programmes for which the Croatian National Bank issued a certificate until the entry into force of this Decision or the Instruction referred to in Article 4, paragraph (9) of this Decision, need not provide for the compilation of the reports "Overview of working days during which the authorised exchange office applied two exchange rate lists" and "Overview of exchange rate lists in which the exchange rate of a currency diverged from the exchange rate of the same currency on the previous exchange rate list by more than 1%".
(6) Iznimno od odredbe članka 4. stavka 9. ove Odluke, zaštićeni programi za koje je Hrvatska narodna banka izdala certifikat do stupanja na snagu ove Odluke, odnosno Upute iz članka 4. stavka 9. ove Odluke, ne moraju omogućavati izradu izvješća "Pregled radnih dana tijekom kojih je ovlašteni mjenjač primjenjivao dvije tečajne liste" i "Pregled tečajnih lista na kojima je istovrsni tečaj bilo koje valute odstupao od tečaja iste valute na prethodnoj tečajnoj listi za više od 1%".
No.: 812/2016
Prijelazne i završne odredbe
Non-money market investment funds
HNB
Non-money market investment funds
Investicijski fondovi, osim novčanih
These tables show data on claims and liabilities of investment funds (except money market funds which are aggregated in the credit institutions' balance sheet) and a detailed structure of the investment funds' shares/units issued by the type of investment and the type of fund.
Ove tablice prikazuju podatke o stanju potraživanja i obveza investicijskih fondova (osim novčanih fondova koji se agregiraju u bilancu kreditnih institucija) te detaljnu strukturu izdanih udjela investicijskih fondova prema vrsti ulaganja i vrsti fonda.
Metodologija - en - investicijski fondovi, osim novčanih
Metodologija - investicijski fondovi, osim novčanih
Methodology
Metodologija
TABLES E1 Aggregated balance sheet of investment funds
TABLICE SKUPINE E1 Agregirana bilanca investicijskih fondova
The tables show data on claims and liabilities of investment funds (except MMFs which are aggregated in the credit institutions' balance sheet) and net transactions in the reference period for each asset and liability position.
U tablicama se iskazuju podaci o stanju potraživanja i obveza investicijskih fondova (osim novčanih fondova koji se agregiraju u bilancu kreditnih institucija) te neto transakcije u iskazanom razdoblju za svaku poziciju aktive i pasive.
Data are reported on an aggregate basis, which means that investment funds' assets also include the funds' investments in other investment funds' shares/units.
Podaci se iskazuju agregirano, što znači da imovina investicijskih fondova uključuje i ulaganja fondova u udjele drugih investicijskih fondova.
The balances and net transactions of financially significant positions of assets and liabilities are shown separately for resident and non-resident counterparties and according to the counterparty's classification into a specific economic sector.
Stanja i neto transakcije financijski značajnijih pozicija aktive i pasive prikazani su zasebno za protustranke rezidente i nerezidente te prema pripadnosti protustranke određenom ekonomskom sektoru.
TABLES E2 Investment funds' shares/units issued by type of investment and type of fund
TABLICE SKUPINE E2 Izdani udjeli/dionice investicijskih fondova prema vrsti ulaganja i vrsti fonda
The tables report a detailed structure of the investment funds' shares/units issued (except MMFs which are aggregated in the credit institutions' balance sheet) by the type of investment and the type of fund.
U tablicama se iskazuje detaljnija struktura izdanih udjela investicijskih fondova (osim novčanih fondova koji se agregiraju u bilancu kreditnih institucija) prema vrsti ulaganja i vrsti fonda.
The type of investment implies the fund's investment policy given in the prospectus, predominantly in bonds, equities, a combination of bonds and equities (mixed funds), real estate and other types of investment (hedge funds), venture capital funds, and others).
Vrsta ulaganja podrazumijeva prospektom definiranu politiku ulaganja fonda pretežno u obveznice, dionice, kombinaciju obveznica i dionica (mješoviti fondovi), nekretnine te ostale vrste ulaganja (fondovi za omeđivanje rizika, engl. hedge funds, fondovi rizičnoga kapitala i ostali).
By the type of fund, we distinguish between open-ended and closed-ended funds.
Prema vrsti fonda razlikujemo otvorene i zatvorene fondove.
The shares/units in an open-ended investment fund are purchased, directly or indirectly, at the request of the holder of the share/unit from the investment fund's assets.
Udjeli u otvorenom investicijskom fondu otkupljuju se, izravno ili neizravno, na zahtjev imatelja udjela iz imovine investicijskog fonda.
The shares/units in a closed-ended fund, established in the form of a stock company or a limited liability company, cannot be purchased from the closed-ended fund's assets at holder's request.
Udjeli u zatvorenom fondu, osnovanom u obliku dioničkog društva ili društva s ograničenom odgovornošću, nisu otkupivi iz imovine zatvorenog fonda na zahtjev imatelja.
APPLICATION FOR AUTHORISATION OF CREDIT UNIONS
ZAHTJEV ZA IZDAVANJE ODOBRENJA ZA RAD KREDITNE UNIJE
The applicant hereby declares that all the data and information provided with the application are accurate and complete and that he/she will inform the Croatian National Bank without delay of any change which might affect the authorisation decision.
Podnositelj zahtjeva izjavljuje da su svi podaci i informacije navedeni i priloženi zahtjevu točni i potpuni, te da će neodgodivo obavijestiti Hrvatsku narodnu banku o svakoj promjeni koja bi mogla utjecati na odluku o izdavanju odobrenja.
1 Name and head office of the credit union to which the application relates
1. Naziv i sjedište kreditne unije na koju se predmetni zahtjev odnosi
2 Applicant's name/firm name, head office and address enter data on the applicant and the authorisation to submit the application (decision of the inaugural meeting, power of attorney)
2. Ime/tvrtka, sjedište, adresa podnositelja zahtjeva upisati podatke o osobi koja podnosi zahtjev, kao i ovlaštenje za podnošenje zahtjeva (odluka osnivačke skupštine, odvjetnička punomoć)
3 Name of the person authorised for contact in connection with the application and telephone and fax numbers and e-mail address of that person enter data on the person that may be contacted to provide additional information and documents or clarifications
3. Ime osobe ovlaštene za kontakt u vezi s predmetnim zahtjevom i njezin telefon, telefaks i e-adresa upisati podatke o osobi s kojom se može stupiti u kontakt pri obradi zahtjeva radi dostave dodatnih informacija i dokumenata ili eventualnih pojašnjavanja
4 Draft statute of the credit union that is being established provide a draft statute adopted at the inaugural meeting
4. Nacrt statuta kreditne unije koja se osniva dostaviti nacrt statuta donesen na osnivačkoj skupštini
5 List of credit union founders provide a Register of credit union members (Form ČKU) and the amount and percentages of membership holdings in the share capital of the credit union[1: Form ČKU is prescribed by the Decision on the form and the manner of keeping the Register of credit union members (OG 71/2007).]
5. Popis osnivača kreditne unije dostaviti Upisnik članova kreditne unije (obrazac ČKU) i iznos i postotke udjela članova u temeljnom kapitalu kreditne unije[1: Obrazac ČKU propisan je Odlukom o obliku i načinu vođenja Upisnika članova kreditne unije (NN, br.
8 Evidence of paid-up membership holdings provide bank certificate on the payment to the account earmarked for the payment of the share capital for the credit union that is being established
8. Dokaz o uplati članskih udjela dostaviti potvrdu banke o uplati sredstava na namjenski račun za uplatu temeljnog kapitala kreditne unije u osnivanju
9 A description of the actions already taken before the application for authorisation indicate all preparatory activities conducted before the application was submitted
9. Opis radnja koje su poduzete prije podnošenja zahtjeva za izdavanje odobrenja navesti sve pripremne aktivnosti koje su prethodile podnošenju zahtjeva
10 A list of supervisory board members provide personal data and a brief curriculum vitae for all supervisory board members
10. Popis članova nadzornog odbora navesti osobne podatke članova nadzornog odbora s kratkim životopisom
11 A proposal for management board members along with the Application for authorisation, provide the Application for approval for a member of the management board of the credit union
11. Prijedlog članova uprave kreditne unije Zahtjevu se prilaže i zahtjev za izdavanje odobrenja za člana ili članove uprave kreditne unije
14 Internal bylaws defining the operating policies and procedures of the credit union provide drafts of all internal bylaws defining the operating policies and procedures of the credit union
14. Interni akti kojima su zacrtane politike i procedure poslovanja kreditne unije dostaviti nacrte svih internih akata kojima su zacrtane politike i procedure poslovanja kreditne unije
15 Information technology of the credit union describe initial and planned information technology
15. Informatička tehnologija kreditne unije opisati početnu i planiranu informatičku tehnologiju
16 Tangible assets of the credit union describe the business premises in which the credit union plans to operate (specifying its size, equipment, protection)
16. Materijalna imovina kreditne unije opisati poslovni prostor u kojem kreditna unija namjerava raditi (veličina, opremljenost, zaštita)
17 Estimated cost of credit union establishment indicate all the planned costs for launching the normal operation of the credit union
17. Procijenjeni trošak osnivanja kreditne unije navesti sve planirane troškove za početak normalnog poslovanja kreditne unije
Payment Cards and Card Transactions
Platne kartice i kartične transakcije
Payment Statistics
Godina I. · srpanj 2015.
Year I · July 2015
Statistika platnog prometa
Contact phone: +385 1 45 65 006
Telefon: 01/4565-006
Fax: +385 1 45 64 687 www.hnb.hr
Telefaks: 01/4564-687 www.hnb.hr
ISSN 1849-8930 (online)
ISSN 1849-790X (online)
Overview of the cards market of the Republic of Croatia
Pregled kartičnog tržišta RH
Payment card issuers
Izdavatelji platnih kartica
26 credit institutions 2 electronic money institutions
26 kreditnih institucija 2 institucije za elektronički novac
Acquirers of payment cards at EFTPOS terminals
Prihvatitelji platnih kartica na EFTPOS uređajima
Card schemes (in alphabetic order)
Kartične sheme (abecedno)
Four-party card schemes • MasterCard®
Četverostrane kartične sheme • MasterCard®
Three-party card schemes • American Express®
Trostrane kartične sheme • American Express®
Basic statistics of the Republic of Croatia
Osnovna statistika RH
Population/business entities
Populacija / poslovni subjekti
Population: 4.285 million
4,285 mil. stanovnika
Number of cardholders
Broj imatelja platne kartice
Consumers: 3.191 million Business entities (non-consumers): 0.278 million
Potrošači: 3,191 mil. Poslovni subjekti (nepotrošači): 0,278 mil.
Number of payment cards
Broj platnih kartica
Debit: 6.834 million Credit: 1.825 million
Debitne: 6,834 mil. Kreditne: 1,825 mil.
National card payments
Nacionalna kartična plaćanja
Number: 328.758 million Value: HRK 118,907.568 million
Broj: 328,758 mil. Vrijednost: 118.907,568 mil. kuna
Infrastructure
Infrastruktura
EFTPOS terminals: 99,515 ATMs: 4,222
EFTPOS uređaji: 99.515 Bankomati: 4.222
1.2 Legal framework .................................................................1
Zakonodavni okvir ..............................................................1
2 Structure of the cards market and the payments infrastructure ...........................................................................
2. Struktura kartičnog tržišta i platnoprometna infrastruktura 4
2.1 Card payment schemes ........................................................5
Kartične platne sheme ........................................................5
4 Card-based payment transactions .....................................
4. Kartične platne transakcije ................................................16
6 Transactions of the acquiring of payment cards according to the activities of merchants ...............................
6. Transakcije prihvata platnih kartica prema djelatnostima trgovaca .................................................................................
8 Appendix ............................................................................33
8. Dodatak .............................................................................33
Introduction · Payment Cards and Card Transactions · Payment Statistics · CNB
Uvod · Platne kartice i kartične transakcije · Statistika platnog prometa · HNB
The publication is divided in eight chapters.
Publikacija je podijeljena u osam poglavlja.
The first chapter is the Introduction, which gives, in addition to the purpose and structure of the publication, a brief overview of the legal framework based on which statistical data and basic methodological explanations have been collected.
Prvo je poglavlje Uvod, u kojemu je uz svrhu i strukturu publikacije dan kratak pregled zakonodavnog okvira na temelju kojeg su prikupljeni statistički podaci te osnovna metodološka objašnjenja.
The second chapter, under the title of ‘Structure of card market and payments infrastructure', gives an insight into the models of card schemes and an overview of the basic accepting devices for payment cards (ATMs and EFTPOS terminals).
Drugo poglavlje, pod nazivom Struktura kartičnog tržišta i platnoprometna infrastruktura, daje uvid u modele kartičnih shema i pregled osnovnih prihvatnih uređaja (bankomata i EFTPOS uređaja).
In the third chapter, Payment cards market in the RC, data are presented on the number of payment cards and the degree of their technological development.
U trećem poglavlju, Tržištu platnih kartica u RH, iznose se podaci o broju platnih kartica i njihovu stupnju tehnološkog razvoja.
Card-based payment transactions, i.e. the fourth chapter, gives insight into data submitted by payment service providers - issuers for all national and international card-based payment transactions made using payment cards, issued by these same issuers.
Kartične platne transakcije, odnosno četvrto poglavlje, daju uvid u podatke koje su dostavili pružatelji platnih usluga izdavatelji za sve nacionalne i međunarodne kartične platne transakcije koje su učinjene platnim karticama koje su ti isti izdavatelji i izdali.
A comparison of the use of payment cards and cash in the RC is also given.
Daje se i usporedba korištenja platnih kartica i gotovog novca u RH.
The fifth chapter, Acquiring payment cards, provides insight into data submitted by payment service providers - acquirers for all national and international transactions of acquiring of payment cards.
Peto poglavlje, Prihvat platnih kartica, daje uvid u podatke koje su dostavili pružatelji platnih usluga prihvatitelji za sve nacionalne i međunarodne transakcije prihvata platnih kartica.
The sixth chapter shows the number and value of transactions of acquiring of payment cards for 2014, broken down by merchants' activities.
U šestom su poglavlju prikazani broj i vrijednosti transakcija prihvata platnih kartica za 2014. razvrstanih prema djelatnostima trgovaca.
The seventh chapter is a glossary.
Sedmo poglavlje sadržava pojmovnik.
The eighth chapter contains a list of tables, figures and boxes from the publication.
U osmom poglavlju dan je popis tablica, slika i okvira iz publikacije.
The Republic of Croatia has completely aligned its legislation with the acquis in the area of payment operations.
Republika Hrvatska u potpunosti je uskladila svoje zakonodavstvo s pravnom stečevinom EU-a u području platnog prometa.
The PSA regulates payment services in the RC in the same way as they are regulated in the EU.
ZPP-om platne usluge u RH uređene su istovjetno kao i u EU-u.
Competitive and efficient financial services markets are very important for every economy, including the economy of the Republic of Croatia (hereinafter referred to as ‘RC').
Konkurentna i učinkovita tržišta financijskih usluga izrazito su važna za svako gospodarstvo pa tako i gospodarstvo Republike Hrvatske (u nastavku teksta: RH).
A clear and transparent legal framework is one of the preconditions for an efficient and competitive market.
Jedan od preduvjeta za učinkovito i konkurentno tržište jest jasan i transparentan zakonodavni okvir.
The PSA regulates payment services, payment service providers, the obligations of payment service providers to provide payment service users with information as well as other rights and obligations related to the provision and use of payment services, transaction accounts, the establishment, operation and supervision of payment institutions and the establishment, operation and supervision of payment systems.
ZPP-om uređuju se platne usluge, pružatelji platnih usluga, obveze informiranja korisnika platnih usluga te druga prava i obveze u vezi s pružanjem i korištenjem platnih usluga, transakcijski računi, osnivanje, rad i nadzor nad institucijama za platni promet te osnivanje, rad i nadzor nad platnim sustavima.
The service of issuing and acquiring payment cards is one of the payment services regulated by the PSA.
Jedna od platnih usluga koja je uređena ZPP-om jest usluga izdavanja i prihvaćanja platnih kartica.
The payment card is the most frequently used payment instrument in the RC, and the market of payment cards and card payments has recorded a constant growth and development.
Najčešće korišten platni instrument u RH jest platna kartica i upravo je na tržištu platnih kartica i kartičnih plaćanja zabilježen stalan rast i razvoj.
Card payments are the most frequently used form of payment in EU countries (hereinafter referred to as ‘EU').
Kartična su plaćanja najčešće korišten oblik plaćanja i u državama Europske unije (u nastavku teksta: EU).
According to data of the European Central Bank (hereinafter referred to as ‘ECB'), in 2000, the number of card-based payment transactions was at the level of about 13 billion transactions a year, while in 2012, 40 billion card-based payment transactions were executed2.
Prema podacima Europske središnje banke (u nastavku teksta: ESB) u 2000. godini broj kartičnih platnih transakcija bio je na razini od oko 13 milijarda transakcija godišnje, dok je u 2012. izvršeno 40 milijarda kartičnih platnih transakcija2.
In addition, the number of card-based payment transactions per capita is still rising in all EU countries.
Osim toga, broj kartičnih platnih transakcija po stanovniku i dalje raste u svim državama EU-a.
The purpose of this publication is to provide a comprehensive overview of the market of payment cards and card-based payment transactions in the RC in 2014, which should be equally useful to the users, payment service providers and public in general.
Svrha je ove publikacije pružiti sveobuhvatan pregled tržišta platnih kartica i kartičnih platnih transakcija u RH u 2014., koji bi trebao poslužiti podjednako korisnicima, pružateljima platnih usluga i ostaloj široj javnosti.
CNB · Payment Statistics · Payment Cards and Card Transactions · Introduction
HNB · Statistika platnog prometa · Platne kartice i kartične transakcije · Uvod
2 · July 2015
2 · Srpanj 2015.
The Decision prescribes the obligation of reporting to the Croatian National Bank (hereinafter referred to as ‘CNB') on data with regard to the payment system and electronic money, as well as the content, manner and deadlines of the reporting.
Odlukom se propisuje obveza izvještavanja Hrvatske narodne banke (u nastavku teksta: HNB) o podacima u vezi s platnim prometom i elektroničkim novcem te sadržaj, način i rokovi tog izvještavanja.
The Decision was adopted pursuant to two acts:
Odluka je donesena na temelju dvaju zakona:
136/2012), and
i 136/2012.) i
• the Electronic Money Act (Official Gazette 139/2010; herein
• Zakona o elektroničkom novcu (“Narodne novine”, br.
after referred to as ‘EMA').
139/2010.; u nastavku teksta: ZEN).
The Decision prescribes the scope of the data and also the reporting entities.
Odlukom su propisani opseg podataka i izvještajni obveznici.
In addition to data on national payment transactions, data on international payment transactions are also collected, and the reporting period is determined at a monthly level.
Osim podataka o nacionalnim platnim transakcijama, prikupljaju se i podaci o međunarodnim platnim transakcijama, a izvještajno razdoblje određeno je na mjesečnoj razini.
The Decision prescribes the compilation and submission of data on the payment system and electronic money through 11 Reports:
Odlukom je propisano sastavljanje i dostavljanje podataka o platnom prometu i elektroničkom novcu kroz 11 izvješća:
• “Credit transfer” Report,
• Izvješće “Kreditni transfer”;
• “Money remittance” Report,
• Izvješće “Novčana pošiljka”;
• “Direct debit” Report,
• Izvješće “Izravno terećenje”;
• “Credits to/debits from the accounts by simple book entry”
• Izvješće “Odobrenje/terećenje bez naloga”;
• “Cheques and bills of exchange” Report,
• Izvješće “Čekovi i mjenice”;
• “Issuing of payment cards” Report,
• Izvješće “Izdavanje platnih kartica”;
• “Accounts” Report,
• Izvješće “Računi”;
• “Infrastructure” Report,
• Izvješće “Infrastruktura”;
• “Acquiring of payment cards” Report, and
• Izvješće “Prihvaćanje platnih kartica” i
• “Legal authority” Report.
• Izvješće “Zakonska ovlast”.
The publication gives an overview of payment cards and cardbased payment transactions for 2014 through statistical data collected in three reports: Issuing of payment instruments, Acquiring of payment cards and Infrastructure.
U publikaciji je dan pregled platnih kartica i kartičnih platnih transakcija za 2014. godinu kroz statističke podatke prikupljene u tri izvješća: Izdavanje platnih kartica, Prihvaćanje platnih kartica i Infrastruktura.
It was data obtained from payment service providers (reporting entities) that were primarily used in preparing the publication.
Pri izradi publikacije korišteni su prije svega podaci dobiveni od pružatelja platnih usluga (izvještajnih obveznika).
A much smaller share of data was collected from business entities - providers of card infrastructure services (Sub-chapter 2.2) and in the data of the Ministry of Finance of the Republic of CroatiaTax Administration (Sub-chapter 4.2).
Znatno manji dio podataka prikupljen je od poslovnih subjekata pružatelja usluga kartične infrastrukture (Potpoglavlje 2.2.) i u podacima Ministarstva financija Republike Hrvatske - Porezne uprave (Potpoglavlje 4.2.).
The payment service providers (reporting entities), whose data were used in the preparation of the publication include: 1. credit institutions (banks) that have obtained authorisation from the CNB, which includes authorisation to provide the payment services of issuing and acquiring of payment cards, and 2. electronic money institutions4 that have obtained authorisation from the CNB to provide the payment services of issuing and acquiring of payment cards.
Pružatelji platnih usluga (izvještajni obveznici) čiji su podaci korišteni pri izradi publikacije jesu: 1. kreditne institucije (banke) koje su od HNB-a dobile odobrenje za rad u sklopu kojeg je i odobrenje za pružanje platnih usluga izdavanja i prihvaćanja platnih kartica i 2. institucije za elektronički novac4 koje su od HNB-a dobile odobrenje za pružanje platnih usluga izdavanja i prihvaćanja platnih kartica.
The publication provides a complete overview of the cards market in the RC for 2014, i.e. it presents aggregated statistical data on:
U publikaciji se na cjelovit način daje pregled kartičnog tržišta u RH za 2014., odnosno iznose se agregirani statistički podaci o:
• payments infrastructure - shown with the balance at the end of
• platnoprometnoj infrastrukturi - prikazani sa stanjem na kraju
the last day of the reporting period (month);
posljednjeg dana izvještajnog razdoblja (mjeseca);
• payment cards - shown at a monthly level or with the balance
• platnim karticama - prikazani na mjesečnoj razini ili sa stanjem
at the end of the last day of the reporting period (month);
na kraju posljednjeg dana izvještajnog razdoblja (mjeseca);