natgillin/translations-raw huggingface dataset:
Gross external debt of other sectors shows the external debt of all financial institutions except monetary financial institutions, public non-financial corporations, private non-financial corporations, non-profit institutions serving households and households, including employers and self-employed persons.
Bruto inozemni dug ostalih domaćih sektora prikazuje inozemne dugove svih financijskih institucija osim monetarnih financijskih institucija, javnih i privatnih nefinancijskih društava, neprofitnih institucija koje služe kućanstvima te kućanstava, uključujući poslodavce i samozaposlene.
Each sector data are further shown by contractual (short-term or long-term) maturity and by debt instrument.
Unutar svakog sektora podaci se razvrstavaju prema ugovorenom (izvornom) dospijeću, na kratkoročne i dugoročne dugove, te prema dužničkom instrumentu na osnovi kojega je nastala dužnička obveza.
Gross external debt is defined as the external debt liabilities of residents on the basis of debt securities issued in the foreign markets (at nominal value), credits (repo agreements included) regardless of their contractual maturity, deposits of non-residents, and trade credits granted by non-residents with contractual maturity of more than 180 days (90 days up to 11 July 2001 and 150 days up to 31 December 2002) and, from December 2005 on, non-resident investment in debt securities issued in the domestic market.
Bruto inozemni dug obuhvaća sve obveze rezidenata na osnovi sljedećih instrumenata: dužničkih vrijednosnih papira izdanih na inozemnim tržištima (po nominalnoj vrijednosti), kredita (uključujući repo ugovore) neovisno o ugovorenom dospijeću, depozita primljenih od nerezidenata te trgovinskih kredita primljenih od nerezidenata s ugovorenim dospijećem dužim od 180 dana (do 11. srpnja 2001. taj je rok iznosio 90 dana, a do 31. prosinca 2002. 150 dana), a od prosinca 2005. obuhvaća i obveze rezidenata na osnovi ulaganja nerezidenata u dužničke vrijednosne papire izdane na domaćem tržištu.
National Payment System Committee
Nacionalni odbor za platni promet
The National Payment System Committee was established on 24 February 2003, and its main functions include defining and proposing the implementation of joint measures within the payment system and monitoring the development and proposing the implementation of new services and solutions in the payment system.
Nacionalni odbor za platni promet osnovan je 24. veljače 2003., a osnovne su mu funkcije definiranje i predlaganje zajedničkih mjera u platnom prometu te praćenje razvoja i predlaganje primjene novih usluga i servisa u platnom prometu.
The beginning of the implementation of the Payment System Act (1 April 2002) marked the last step of the reform of the national payment system.
S početkom primjene Zakona o platnom prometu u zemlji (1. travnja 2002.) učinjen je i posljednji korak u provedbi reforme domaćega platnog prometa.
During the reform process, the new infrastructure of payment operations was developed (the Croatian Large Value Payment System, the National Clearing System, the Unified Register of Business Entities' Accounts), the appropriate subordinate legislation was adopted, and clients' accounts were eventually transferred from the Financial Agency (formerly Croatian Payments Bureau) to banks.
Tijekom procesa reforme izgrađena je nova infrastruktura platnog prometa (Hrvatski sustav velikih plaćanja, Nacionalni klirinški sustav, Jedinstveni registar računa poslovnih subjekata), donesena je odgovarajuća podzakonska regulativa te su naposljetku preneseni računi klijenata iz Fine (prije Zavoda za platni promet) u banke.
In this way, preconditions were created for the development of a more effective and streamlined payment system to the satisfaction of its users and the entire economic system.
Na taj su način stvorene pretpostavke za razvoj učinkovitijega i racionalnijega platnog sustava na zadovoljstvo njihovih korisnika i cjelokupnoga gospodarskog sustava.
In addition, a payment system was built whose structure corresponds to international standards, so that in this sense it is comparable and competitive with the payment systems of the EU countries.
Osim toga, izgrađen je sustav platnog prometa čija struktura odgovara međunarodnim standardima, pa je u tom smislu on usporediv i kompatibilan s platnim sustavima zemalja Europske unije.
Payment operations are an integral part of the economic system of any country and its basic function is to enable a safe and effective use of cash as a means of payment.
Platni je promet neizostavan dio gospodarskog sustava svake zemlje i njegova je osnovna funkcija omogućavanje sigurne i učinkovite uporabe novca kao sredstva plaćanja.
For this reason precisely, a successful functioning of payment operations is also of exceptional importance for the central bank, the institution responsible for the functioning of national payment system, as well as for the overall financial system.
Upravo stoga uspješno funkcioniranje platnog prometa iznimno je važno i za središnju banku, instituciju odgovornu za funkcioniranje platnog prometa u zemlji, i za cjelokupni financijski sustav.
Payment operations cover a wide range of operational and technological procedures regulated by the provisions of different laws.
Platni promet obuhvaća cijeli niz operativnih i tehnoloških postupaka definiranih odredbama različitih zakona.
In view of the above, the National Payment System Committee was established with the aim to improve inter-institutional cooperation in the field of the functioning and development of the national payment system.
Imajući na umu navedeno, a u cilju bolje međuinstitucionalne suradnje na području funkcioniranja i razvoja platnog prometa u zemlji, osnovan je Nacionalni odbor za platni promet.
The Agreement Establishing the National Payment System Committee was concluded between the CNB, the Ministry of Finance, the Croatian Chamber of Economy (its Financial Institutions, Business Information and Economic Analyses Sector) and the Croatian Banking Association.
Sporazum o osnivanju Nacionalnog odbora za platni promet donijeli su Hrvatska narodna banka, Ministarstvo financija, Hrvatska gospodarska komora (unutar koje djeluje Sektor za financijske institucije, poslovne informacije i ekonomske analize) i Hrvatska udruga banaka.
The main tasks of the National Payment System Committee relate to all aspects of the functioning of the national payment system.
Temeljne zadaće Nacionalnog odbora za platni promet povezane su sa svim aspektima funkcioniranja platnog prometa u zemlji.
The Committee in particular:
Tako Odbor:
defines and proposes the implementation of joint measures within payment operations, aimed at ensuring uniform implementation of regulations from various fields;
definira i predlaže poduzimanje zajedničkih mjera u platnom prometu kako bi se osigurala jedinstvena primjena zakonskih propisa iz različitih područja,
promotes the acceptance and implementation of new solutions in payment operations in order to increase the degree of its security and effectiveness;
potiče prihvaćanje i primjenu novih rješenja u platnom prometu u cilju postizanja većeg stupnja sigurnosti i učinkovitosti,
provides initiative to establish cooperation among institutions responsible for adopting regulations closely related to national payment system, and, where necessary, initiative to change current laws and subordinate legislation;
daje inicijativu za uspostavu suradnje između institucija nadležnih za donošenje propisa koji su usko povezani s obavljanjem poslova platnog prometa u zemlji, a po potrebi i inicijativu za izmjenu važećih zakonskih i podzakonskih propisa,
monitors the development and proposes the implementation of new services in the payment system with a view to improving the relationship between banks and their clients;
prati razvoj i predlaže primjenu novih usluga i servisa u platnom prometu radi boljeg i kvalitetnijeg odnosa između banke i njezinih komitenata,
identifies difficulties in the functioning of national payment system and proposes solutions thereto;
utvrđuje probleme u odvijanju platnog prometa u zemlji i predlaže rješenja za njih,
promotes further development of national payment system based on market principles and confronts the monopolistic interests within payment operations of any financial institution in the country, and
afirmira daljnji razvoj platnog prometa u zemlji na tržišnim načelima i suprotstavlja se monopolnim interesima u platnom prometu bilo koje financijske institucije u zemlji i
proposes guidelines for the development of the national payment system in accordance with EU Directives and accepted international standards.
predlaže smjernice razvoja platnog sustava u zemlji u skladu s direktivama EU-a i prihvaćenim međunarodnim standardima.
The National Payment System Committee has 16 members appointed by the signatories to the Agreement Establishing the National Payment System Committee.
Nacionalni odbor za platni promet ima 16 članova koje su imenovale potpisnice Sporazuma o osnivanju.
Committee members are:
Članovi su odbora:
SBRS-TD36-31072016
SBRS-PD36-31072016
Transposition of Directive 2013/36/EU
Prenošenje Direktive 2013/36/EU
Transposition of provisions of Directive 2013/36/EU
Prenošenje odredbi Direktive 2013/36/EU
Provisions of Directive 2013/36/EU
Odredbe Direktive 2013/36/EU
National text
Nacionalni tekst
31 July 2016
Predmet, područje primjene i definicije
II. Competent authorities
II.
Requirements for access to the activity of credit institutions
Zahtjevi za pristupanje djelatnosti kreditnih institucija
Articles 8 to
Članci od 8. do 27.
1. General requirements for access to the activity of credit institutions
Opći zahtjevi za pristupanje djelatnosti kreditnih institucija
CIA
ZOKI
2. Qualifying holding in a credit institution
Kvalificirani udio u kreditnoj instituciji
Applicable to investment firmsnot within the competence of the CNB
Odnosi se na investicijska društva - nije u nadležnosti HNB-a.
1. General principles
Opća načela
2. The right of establishment of credit institutions
Pravo poslovnog nastana kreditne institucije
3. Exercise of the freedom to provide services
Ostvarenje slobode pružanja usluga
Articles 40 to
ZOKI 10., 192. - 197., 214., 323.
CIA
D
Y
SBRS-PD36-31072016
VI. Relations with third countries
Prenošenje odredbi Direktive 2013/36/EU
Articles 47 to
Odredbe Direktive 2013/36/EU
CIA
Nacionalni tekst
Y
Upućivanja
SBRS-TD36-31072016
Dostupno na EN (D/N)
National text
D
References
VII.
Available in EN (Y/N)
Bonitetni nadzor Članci od 49. do 142.
VII.
Načela bonitetnog nadzora
Prudential supervision
Članci 49. do
Articles 49 to
Nadležnost i dužnosti matične države članice i države članice domaćina
1. Principles of prudential supervision
Članci od 49. do 52.
Articles 53 to
Članak 63.
Article 63
ZOKI
Articles 64 to
Odredbe Direktive 2013/36/EZ
2. Review processes
Dostupno na EN (D/N)
Articles 73 to
Postupci preispitivanja
2.2 Arrangements, processes and mechanisms of institutions
Sustavi, postupci i mehanizmi institucija
CIA DRM, DER, DMES, DICAAP, DLRM, DASCMB
ZOKI, OUR, OPR, ONPS, OPPAIK, OULR, OPPPU
Y
; ONPS: 5.
2.4 Supervisory measures and powers
Postupak nadzorne provjere i ocjene
2.5 Level of application
Nadzorne mjere i nadzorne ovlasti
3. Supervision on a consolidated basis
Razina primjene Članci od 108. do 110.
Y
ZOKI
4. Capital buffers
D
Articles 128 to
SBRS-PD36-31072016
4.1 Buffers
Prenošenje odredbi Direktive 2013/36/EU
4.3 Capital conservation measures
Određivanje i izračunavanje protucikličkog zaštitnog sloja kapitala
CIA, DCBCCM
ZOKI, OZSK
CIA: 140 - 143; DCBCCM: 5
ZOKI: 119. - 128.
Y
; OZSK: 4.
SBRS-TD36-31072016
D
Transposition of provisions of Directive 2013/36/EU
4.3 Mjere za očuvanje kapitala
Provisions of Directive 2013/36/EU
Članci 141. i
National text
ZOKI, OZSK
References
ZOKI: 140. - 143.
Disclosure by competent authorities
Objava nadležnih tijela
Articles 143 to
Članci 143. i
XI. Transitional and final provisions
Prijelazne i završne odredbe
Articles 161 to
159/2013., 19/2015. i 102/2015.)
CNB continues to pursue an expansionary monetary policy
HNB nastavlja s ekspanzivnom monetarnom politikom
Economic Outlook and Monetary Policy
Gospodarski izgledi i monetarna politika
Croatian Economic Association Conference: "Croatian Economic Policy in 2017"
24. savjetovanje Hrvatskog društva ekonomista "Ekonomska politika Hrvatske u 2017."
Croatia's economy is recovering, though at a slower pace than that of comparable Central and Eastern European countries, said Boris Vujčić, Croatian National Bank Governor, in the introductory part of the speech delivered on 9 November 2016 at the 24th Croatian Economic Association Conference in Opatija.
Gospodarstvo Hrvatske se oporavlja, no taj oporavak još uvijek zaostaje za usporedivim zemljama Srednje i Istočne Europe, istaknuo je guverner Hrvatske narodne banke prof. dr. Boris Vujčić u uvodnom dijelu izlaganja održanog 9. studenog 2016. godine na 24. savjetovanju Hrvatskog društva ekonomista u Opatiji.
Of these countries, only Croatia has not yet reached the pre-crisis GDP level.
Među tim zemljama jedino još Hrvatska nije dosegnula pretkriznu razinu BDP-a.
However, what is positive is that the recovery in economic activity in Croatia has been mostly driven by a considerable growth in goods and services exports, coupled with a visible recovery in personal consumption and investments associated with favourable developments in consumer and business optimism.
Međutim, pozitivno je što je oporavku ekonomske aktivnosti u Hrvatskoj najviše pridonio zamjetan rast izvoza roba i usluga zajedno s oporavkom osobne potrošnje i investicija koji je vidljiv i povezan i s povoljnim kretanjima potrošačkog i poslovnog optimizma.
Increased exports had a positive effect on the surplus in the current and capital account and, along with further deleveraging abroad, aided the stability of the exchange rate of the domestic currency.
Povećanje izvoza se pozitivno odrazilo na ostvarenje viška na tekućem i kapitalnom računu platne bilance, što je i uz nastavak inozemnog razduživanja poduprlo stabilnost tečaja domaće valute.
The fall in the general level of prices witnessed in Croatia is mostly spurred by import prices, so it can be said that deflation risks are not present, noted the Governor.
U Hrvatskoj se bilježi pad opće razine cijena čemu su najviše pridonijele uvozne cijene, zbog čega se može ustvrditi da rizici deflacije nisu prisutni, naglasio je guverner.
Thus the diffusion of a fall in prices is decreasing gradually, i.e. the share of products whose prices are rising is increasing, the burden of household debt repayment is decreasing and nominal wages are growing faster.
Tako se rasprostranjenost pada cijena postupno smanjuje, odnosno povećava se udio proizvoda, čije cijene rastu, teret otplate duga za stanovništvo sve je manji te se porast nominalnih plaće ubrzava.
Similarly, corporate profits are also recovering, having reached in 2015 almost their pre-crisis 2008 level.
Isto tako, primjetan je oporavak korporativnih profita, koji su u 2015. gotovo dosegnuli razinu iz pretkrizne 2008. godine.
The CNB will continue to pursue the expansionary monetary policy that it has exercised over the years.
Višegodišnje ekspanzivno usmjerenje monetarne politike HNB-a se nastavlja.
Following CNB's strong countercyclical response during the crisis, in the recent period of recovery, the CNB has continued to pursue an extremely expansionary monetary policy and has cut regulatory costs for the banks.
Nakon snažne protucikličke reakcije HNB-a u krizi, i u recentnoj fazi oporavka HNB je nastavio s izrazito ekspanzivnom monetarnom politikom i smanjenjem regulatornog troška za banke.
The scope of the expansionary orientation of the monetary policy in effect does not differ from that in the euro area, the only difference being the channels and instruments used.
Pritom se razmjer ekspanzivnosti monetarne politike zapravo ne razlikuje od onoga u euro području, no različiti su kanali djelovanja i instrumenti.
In 2016, the expansionary monetary policy of the CNB was further boosted by structural repo operations, noted the Governor.
U 2016. godini ekspanzivna monetarna politika HNB-a dodatno je osnažena strukturnim repo operacijama, istaknuo je guverner Vujčić.
So far three auctions were held at which a total of almost HRK 1bn were placed.
Do sada su održane tri aukcije na kojima je ukupno plasirana gotovo 1 mlrd. kuna.
In addition to structural operations, the CNB helps support the system's kuna liquidity by regular weekly operations.
Uz strukturne operacije, HNB redovitim tjednim operacijama također daje podršku kunskoj likvidnosti sustava.
It has been observed that mostly the small banks which took part in structural repo operations were able to halt the fall in lending and increase kuna loans, in contrast with the previous year.
Primjetno je da je kod većinom malih banaka, koje su sudjelovale u strukturnim repo operacijama, zaustavljen pad kreditiranja te da su povećale kunske kredite za razliku od prethodne godine.
The conditions of financing on the domestic market are steadily improving for all the sectors.
Uvjeti financiranja na domaćem tržištu za sve sektore kontinuirano se poboljšavaju.
Banks' interest rates for households and the corporate sector have been falling steadily and are now historically low.
Kamatne stope banaka za stanovništvo i poduzeća u kontinuiranom su padu i na povijesnim su minimumima.
The yields on T-bills of the Ministry of Finance have also reached the lowest levels ever, and the yield curves on government bonds of all maturities have been falling.
Prinosi na trezorske zapise Ministarstva financija također su dosegnuli najniže razine, a krivulje prinosa za državne obveznice se spuštaju za sve ročnosti.
Favourable developments are also seen in the easing of lending standards and a visible jump in credit demand.
Povoljna kretanja bilježe se i za standarde odobravanja kredita koji se ublažavaju, a primjetan je i skok kreditne potražnje.
In such conditions, placements to enterprises grew in 2016.
U takvim uvjetima, u 2016. godini bilježi se rast domaćih plasmana poduzećima.
A rising number of activities is witnessing placements growth, so activities such as agriculture, manufacturing, trade, the real estate sector and tourism are witnessing an increase in lending.
Pritom sve više djelatnosti ostvaruje rast plasmana te se tako bilježi prirast kreditiranja poljoprivrede, prerađivačke industrije, trgovine, sektora nekretnina te turističkih djelatnosti.
A new development is also a considerable jump in kuna lending, particularly to households but also to the corporate sector.
Novi moment je i zamjetan skok kunskog kreditiranja, posebno u slučaju stanovništva, ali i poduzeća.
This helps in particular the recovery in the domestic credit activity and gradual deposit deeurisation.
Ono posebno pridonosi oporavku domaće kreditne aktivnosti, a povezano je i s postupnom depozitnom deeuroizacijom.
In the past two years the banks have stepped up their efforts to clean up their balance sheets, writing off and selling placements, particularly corporate placements, a development in part driven by CNB's prudential measures increasing provisions for non-performing placements.
Banke su u posljednje dvije godine intenzivirale čišćenje bilanci kroz otpise i prodaje plasmana, posebice kod plasmana poduzećima, što su dijelom potaknule i bonitetne mjere HNB-a za povećanje rezervacija za loše plasmane.
More specifically, in 2013, the CNB tightened the standards for the coverage of non-performing placements by provisions.
Naime, 2013. godine postroženi su standardi pokrića loših plasmana rezervacijama.
Banks failing to actively address the issue of NPLs are obligated to gradually increase provisions for such placements, irrespective of their coverage by collateral.
Ako banka aktivno ne rješava problem NPL-ova, primorana je postupno povećavati rezervacije za te plasmane, neovisno o njihovoj pokrivenosti kolateralima.
The process of resolution and cleaning up of the backlogs of non-performing placements on banks' balance sheets is certainly a favourable trend which might help reduce the scope of the issue of over-indebtedness and lay sound foundations for a new credit cycle for all the domestic sectors.
Proces rješavanja i čišćenja nagomilanih neprihodujućih plasmana u bilancama banaka svakako je povoljan trend koji bi mogao ublažiti razmjere problema prezaduženosti i tako stvoriti osnove novog kreditnog ciklusa na zdravim osnovama za sve domaće sektore.
The CNB will continue to pursue an expansionary monetary policy, reiterated the Governor in conclusion.
Zaključno, valja još jednom istaknuti kako će HNB nastaviti s ekspanzivnom monetarnom politikom, rekao je guverner.
Thus the CNB will continue to support high banking system liquidity by structural repo operations, regular repo operations and, if necessary, by foreign exchange transactions.
Tako će se visoka likvidnost bankovnog sustava i dalje podržavati strukturnim repo operacijama, redovitim repo operacijama te prema potrebi i deviznim transakcijama.
Such a policy helps improve the domestic financing conditions and provides support to the recovery in the domestic credit activity.
Takva politika pogoduje poboljšanju domaćih uvjeta financiranja i podrška je oporavku domaće kreditne aktivnosti.
This is what the CNB can do and what it can influence under the circumstances, taking care at the same time that the stability of the exchange rate of the domestic currency and overall financial stability of the system are maintained.
To je ono što u danim okolnostima HNB može napraviti i na što može utjecati, vodeći pritom računa o stabilnosti tečaja domaće valute i ukupnoj financijskoj stabilnosti sustava.
In his closing remarks, Governor Vujčić said that we should bear in mind that the current situation posed some mid-term risks to financial stability, both in Europe and in the domestic market, and that it was uncertain how long the situation in the international market would continue to make such a degree of accommodation or such an expansionary character of the monetary policy possible.
Na kraju, poručio je guverner Vujčić, ne treba zaboraviti da trenutna situacija otvara i neke srednjoročne rizike za financijsku stabilnost kako u Europi, tako i na domaćem tržištu, te da je neizvjesno do kada će situacija na međunarodnom tržištu omogućavati ovakav stupanj akomodativnosti, odnosno ekspanzivnosti monetarne politike.
Therefore, it would be wrong to rely on such a degree of expansionary monetary policy as a basis for growth over a medium term.
Zbog toga bi bilo pogrešno oslanjati se na ovakav stupanj ekspanzivnosti monetarne politike kao temelj srednjoročnog rasta.
It is the improved competitiveness of the domestic economy, based on structural reforms and exports growth, concomitant with the containment of macroeconomic imbalances and further consolidation of public finances that must be the basis for a stronger economic recovery.
Temelj snažnijeg oporavka gospodarstva mora biti povećanje konkurentnosti domaće ekonomije temeljeno na strukturnim reformama i rastu izvoza, uz istodobno obuzdavanje makroekonomskih neravnoteža odnosno nastavak konsolidiranja javnih financija.
Authorisation of credit institutions
Odobrenje za rad kreditne institucije
Described in the text below is the authorisation of a credit institution, the application and documents to be enclosed with the application for authorisation, the decision-taking procedure and the reasons for refusing the application and for the annulment and revocation of the decision on the authorisation.
U tekstu se opisuje što je odobrenje za rad kreditne institucije, zahtjev i dokumenti koji se prilažu zahtjevu za izdavanje odobrenja za rad, postupak odlučivanja i razlozi za odbijanje zahtjeva te za poništavanje i ukidanje rješenja o odobrenju za rad.
The characteristic which sets credit institutions apart from other companies is taking of deposits or other repayable funds from the public which in the Republic of Croatia may be taken only by:
Čimbenik koji izdvaja kreditne institucije od ostalih trgovačkih društava je primanje depozita ili drugih povratnih sredstava od javnosti, koje na području Republike Hrvatske mogu primati samo: