natgillin/translations-raw huggingface dataset:
There are currently no representative offices of third-country credit institutions established in the Republic of Croatia.
Trenutačno u Republici Hrvatskoj ne postoje osnovana predstavništva kreditnih institucija iz trećih zemalja.
No registration requirement exists for representative offices of EU credit institutions.
Za predstavništva kreditnih institucija iz Europske unije ne postoji obveza registriranja.
LEGISLATION
ZAKONI
The Financial Conglomerates Act and the Credit Unions Act are also important for banking and financial supervision in Croatia.
Zakon o financijskim konglomeratima i Zakon o kreditnim unijama također su relevantni za bankovnu i financijsku superviziju u Hrvatskoj.
Pursuant to these regulations, the CNB lays down rules for credit institutions and credit unions which are to be adhered to as from the moment of their inception and in the course of their operations.
Na temelju ovih propisa HNB uspostavlja pravila za kreditne institucije i kreditne unije kojih se trebaju pridržavati od trenutka kada su osnovane te tijekom poslovanja.
These rules are worded primarily in the form of subordinate legislation and various guidelines and recommendations.
To su prije svega podzakonski akti kao i razne smjernice i preporuke.
DECISIONS
ODLUKE
The Croatian National Bank adopts subordinate legislation pursuant to its powers defined in the Act on the Croatian National Bank.
Hrvatska narodna banka donosi podzakonske akte na temelju ovlasti propisane Zakonom o Hrvatskoj narodnoj banci.
This page lists subordinate legislation (decisions, instructions) adopted pursuant to the Credit Institutions Act and subordinate legislation that explains in more detail the implementation of Regulation (EU) No 575/2013 (CRR) or the implementation of implementing regulations adopted by the European Commission in accordance with Regulation (EU) No 575/2013, as well as decisions implementing the guidelines of the European Banking Authority (EBA).
Na ovoj se stranici nalaze podzakonski akti (odluke, upute) doneseni na temelju Zakona o kreditnim institucijama i podzakonski akti kojima se pobliže objašnjava način provedbe Uredbe 575/2013/EU (CRR) ili način provedbe provedbenih uredbi koje donosi Europska komisija u skladu s Uredbom 575/2013/EU, te odluke kojima se prihvaćaju smjernice Europskoga nadzornog tijela za bankarstvo (European Banking Authority - EBA).
REGULATIONS
UREDBE
The CRD IV legislative package transposes the Basel III rules into European law.
Paketom CRD IV prenose se standardi Basela III u propise EU-a, koji se sastoje od uredbe i direktive.
It consists of a regulation and a directive.
Cijeli paket stupio je na snagu 1. siječnja 2014.
The entire package entered into force on 1 January 2014, while some of the new rules will be phased-in between 2014 and 2019.
Neka od novih pravila trebaju postupno stupiti na snagu u razdoblju između 2014. i 2019.
Regulations are a part of secondary law.
Uredbe su dio sekundarnog zakonodavstva.
They are legally binding and directly applicable in all Member States of the European Union.
Uredba je obvezujući zakonodavni akt koji se mora u cijelosti primjenjivati u svim državama članicama Europske unije.
Interested parties may access all regulations published in the Official Journal of the European Union on the EUR-lex website.
Zainteresirane strane mogu vidjeti sve uredbe koje su objavljene u Službenom listu EU-a na stranici EUR-lexa.
TECHNICAL STANDARDS
TEHNIČKI STANDARDI
The regulatory products of the European Banking Authority range from binding Technical Standards to Guidelines, Recommendations and Opinions.
Regulatorni proizvodi Europskoga nadzornog tijela za bankarstvo (European Banking Authority - EBA) u rasponu su od obvezujućih tehničkih standarda do smjernica, preporuka i mišljenja.
They cover areas such as own funds, recovery and resolution, internal governance and supervisory reporting.
Oni pokrivaju područja kao što su regulatorni kapital, oporavak i sanacija, unutarnje upravljanje i supervizorsko izvještavanje.
Regulatory Technical Standards (RTS) and
Regulatory Technical Standards - RTS) i
Implementing Technical Standards (ITS).
provedbene tehničke standarde (engl.
Interested parties may access all Technical Standards published in the Official Journal of the European Union on the EUR-lex website.
Zainteresirane strane mogu vidjeti sve tehničke standarde koji su objavljeni u Službenom listu EU-a na stranici EUR-lexa.
DIRECTIVES
DIREKTIVE
Directives are legislative acts that set out goals that all EU Member States must achieve.
Direktive su zakonodavni akti kojima se utvrđuje cilj koji sve države članice EU-a moraju ostvariti.
However, it is up to the individual countries to decide how they will transpose EU directives into their legislative framework.
Međutim, svaka država samostalno odlučuje o načinu na koji će prenijeti direktive u svoj zakonodavni okvir.
Directive 2013/36/EU on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms is part of the CRD IV regulatory package and is transposed into the legislation of the Republic of Croatia via the Credit Institutions Act and subordinate legislation adopted pursuant to the powers under this Act.
Direktiva 2013/36/EU Europskog parlamenta i Vijeća od 26. lipnja 2013. o pristupanju djelatnosti kreditnih institucija i bonitetnom nadzoru nad kreditnim institucijama i investicijskim društvima, dio je regulatornog paketa CRD IV, a prenesena je u zakonodavstvo RH Zakonom o kreditnim institucijama i podzakonskim aktima donesenima na temelju ovlasti iz tog Zakona.
Interested parties may access all directives published in the Official Journal of the European Union on the EUR-lex website.
Zainteresirane strane mogu vidjeti sve direktive koje su objavljene u Službenom listu EU-a na stranici EUR-lexa.
GUIDELINES
SMJERNICE
The main task of guidelines is to explain legal norms, provide guidance to the subjects of supervision and give recommendations aimed at establishing good practices at credit institutions and investment firms.
Glavna je zadaća smjernica pojašnjavanje pravnih norma, usmjeravanje subjekata nadzora i davanje preporuka s ciljem uspostave dobrih praksa u kreditnim institucijama i investicijskim društvima.
Guidelines are based on international standards and take into consideration the situation in the market, legal norms of other countries and recommendations by the relevant supervisory bodies.
Smjernice se zasnivaju na međunarodnim standardima, a uzimaju se u obzir i situacija na tržištu, pravne norme drugih zemalja te preporuke relevantnih nadzornih tijela.
Guidelines are directed at credit institutions and competent authorities.
Smjernice su namijenjene kreditnim institucijama ili nadležnim tijelima.
They are applied in accordance with the 'comply or explain' principle.
Primjenjuju se po načelu "primijeni ili objasni razloge neprimjenjivanja".
A decision on application is adopted by the Croatian National Bank, notifying the European Banking Authority thereof, within the prescribed time limit.
Odluku o primjeni donosi Hrvatska narodna banka i o tome u propisanom roku obavještava Europsko nadzorno tijelo za bankarstvo (European Banking Authority - EBA).
Search regulations
Pretraživanje regulative
Legal framework and individual relevant factors taken into account in the assessment of prospective acquirers of a qualifying holding in Croatian banks
Pravni okviri i neki relevantni čimbenici pri prosudbi potencijalnih stjecatelja kvalificiranog udjela u hrvatskim bankama
The Croatian National Bank has so far not received any request for the acquisition of a qualifying holding in HVB Splitska banka d.d. Split by either KBC or any other bank.
Hrvatskoj narodnoj banci do sada nije podnesen zahtjev za stjecanje kvalificiranog udjela u HVB Splitskoj banci d.d. Split od strane KBC-a niti bilo koje druge banke.
When such request is made, the Croatian National Bank will, as in all other cases, act in accordance with the provisions of the Banking Act (Official Gazette 84/2002) and the Croatian National Bank Act (Official Gazette 36/2001).
Kada takav zahtjev bude podnesen, Hrvatska narodna banka će, kao i u svim drugim postupcima, odlučivati u skladu s odredbama Zakona o bankama ("Narodne novine", broj 84/02) te Zakona o Hrvatskoj narodnoj banci ("Narodne novine", broj 36/01).
As provided by Article 25 of the Croatian National Bank Act: "The Croatian National Bank shall, on the basis of a special law, issue and revoke bank licenses, supervise bank operations, perform other operations within its fields of competence and enact subordinate legislation and decisions which shall regulate banking transactions and set the standards for the stability and safety of bank operations."
Zakon o Hrvatskoj narodnoj banci u članku 25. propisuje "Hrvatska narodna banka, na temelju posebnog zakona, izdaje i oduzima odobrenja za rad banaka, nadzire poslovanje banaka, obavlja druge poslove koju su joj zakonom dani u nadležnost i donosi podzakonske propise i odluke kojima se uređuje bankarsko poslovanje i utvrđuju standardi stabilnog i sigurnog poslovanja banaka."
The Banking Act is a special law which governs the conditions for the establishment, operations, discontinuation and supervision of bank operations and its provisions are based on the International Accounting Standards and Core Principles for Effective Banking Supervision of the Basel Committee as key references for effective supervision.
Zakon o bankama posebni je zakon kojim su utvrđeni uvjeti za osnivanje, poslovanje i prestanak rada banaka te nadzor nad poslovanjem banaka, a čije su odredbe u skladu s Međunarodnim računovodstvenim standardima i Osnovnim načelima učinkovite bankarske supervizije (Core Principles for Effective Banking Supervision) Bazelskog odbora (the Basel Committee) kao temeljne reference za učinkovitu superviziju.
The competence of the Croatian National Bank for decision-making in connection with granting approvals for the acquisition of a qualifying holding in banks clearly follows from the stated legislative provisions.
Nadležnost Hrvatske narodne banke za odlučivanju o suglasnosti za stjecanje kvalificiranog udjela u bankama jasno proizlazi iz navedenih zakonskih odredbi.
Article 20 of the Banking Act provides that, in order to acquire shares of a bank on the basis of which a person directly or indirectly acquires a qualifying holding in a bank, it is necessary to obtain a prior approval from the Croatian National Bank.
Zakon o bankama u članku 20. navodi da je za stjecanje dionica banke na temelju kojih osoba izravno ili neizravno stječe kvalificirani udjel u banci potrebna prethodna suglasnost Hrvatske narodne banke.
As provided by Article 21 of the Banking Act:
Odredbom članka 21. tog Zakona propisano je:
It shall be necessary to enclose the documents referred to in items 4 and 5, paragraph 1, Article 35 and other documentation as stipulated by the Croatian National Bank with the request for issuing the approval for the acquisition of a qualifying holding.
Zahtjevu za izdavanje suglasnosti za stjecanje kvalificiranog udjela potrebno je priložiti dokumente iz članka 35. stavak 1. točke 4. i 5. ovog Zakona te drugu dokumentaciju koju može odrediti Hrvatska narodna banka.
The Croatian National Bank shall refuse the request for issuing the approval for the acquisition of a qualifying holding, if the information available to it indicates that:
Hrvatska narodna banka odbit će zahtjev za izdavanje suglasnosti za stjecanje kvalificiranog udjela, ako iz podataka s kojima raspolaže proizlazi:
because of the activities or operations performed by the qualified owner or persons connected thereto, or because of actions taken by the qualified owner or persons connected thereto, the operations of the bank could be endangered due to noncompliance with the rules on risk management;
da bi zbog djelatnosti ili poslova koje obavlja imatelj kvalificiranog udjela ili s njim povezane osobe ili zbog postupka imatelja kvalificiranog udjela ili s njim povezanih osoba, moglo biti ugroženo poslovanje banke zbog nepridržavanja pravila o upravljanju rizicima,
because of the activities or operations performed by the qualified owner or persons connected thereto, or because of the manner of connection between such persons, the supervision of the bank could be hindered or substantially more difficult; or
da bi zbog djelatnosti ili poslova koje obavlja imatelj kvalificiranog udjela ili s njim povezane osobe ili zbog načina na koji su te osobe međusobno povezane, moglo biti onemogućeno ili znatno otežano obavljanje nadzora nad bankom,
it would result in a large concentration in the banking system that might limit the freedom of market competition;
da bi time došlo ili moglo doći do koncentracije u bankovnom sustavu koja bi mogla narušiti slobodu tržišnog natjecanje,
it could adversely influence the implementation of monetary and foreign exchange policy in the Republic of Croatia.
da bi time došlo ili moglo doći do nepovoljnog utjecaja na provođenje monetarne i devizne politike u Republici Hrvatskoj.
The Croatian National Bank shall also refuse the request for the acquisition of a qualifying holding by a foreign person if, in consideration of the regulations or practice in that person's country, it is likely that the exercise of supervision in accordance with the provisions of this Act will be hindered or substantially more difficult.
Hrvatska narodna banka će također odbiti zahtjev strane osobe za stjecanje kvalificiranog udjela ako je, uzimajući u obzir propise države te osobe ili prakse države te osobe, vjerojatno da će obavljanje nadzora u skladu s odredbama ovog Zakona biti znatno otežano ili onemogućeno."
As shown by the preceding quotation, it is evident that the reasons for refusal to grant approval for the acquisition of a qualifying holding are explicitly stated.
Iz sadržaja citiranog članka razvidno je da su razlozi za odbijanje suglasnosti za stjecanje kvalificiranog udjela taksativno navedeni.
We therefore find that the given legislative framework enables the interested party to have a clear insight, even before submitting its application for the acquisition of a qualifying holding, into the specific and objective circumstances which are relevant for decision-making in connection with an application for the acquisition of a qualifying holding, and in that same context, the granting of such an application or refusal to grant such an application.
Smatramo stoga da ovakva zakonska odredba omogućuje zainteresiranoj strani da unaprijed, i prije podnošenja zahtjeva za stjecanje kvalificiranog udjela, ima jasan uvid u specifične i objektivne okolnosti relevantne za odlučivanje o zahtjevu za stjecanje kvalificiranog udjela, pa tako i za izdavanje odnosno odbijanje izdavanja suglasnosti za to stjecanje.
The criteria determined in Article 21, paragraph 2 are well-defined and precise and are in conformity with the principles of legal safety as they enable persons to make full use of all the rights derived from the principles of free movement of capital and right of establishment.
Kriteriji utvrđeni člankom 21. stavkom 2. su precizni i definirani te u skladu s principima pravne sigurnosti jer omogućuju osobama da se u cijelosti koriste svim pravima koja proizlaze iz slobode kretanja kapitala i prava poslovnog nastana.
In addition, an explanation is provided to each applicant of every decision taken in connection with approvals for the acquisition of a qualifying holding.
Nadalje, svaka se odluka o suglasnosti za stjecanje kvalificiranog udjela obrazlaže i dostavlja podnositelju zahtjeva.
This enables each applicant to be well informed about all the facts and elements on which a certain decision is based.
Time se pruža mogućnost podnositelju zahtjeva da bude upoznat sa svim činjenicama i elementima a koji su bili temelj za donošenje određene odluke.
By doing so, the Croatian National Bank ensures transparency of its decision-making in connection with acquisitions of qualifying holdings.
Navedenim postupanjem, osigurava se transparentnost postupanja Hrvatske narodne banke kod donošenja odluke o stjecanju kvalificiranog udjela.
Should KBC submit a request for acquisition of a qualifying holding in HVB Splitska banka d.d. Split, the Croatian National Bank would be obligated to apply the aforementioned legal provisions and ensure the same treatment as in any other case.
Dakle, u slučaju da KBC podnese zahtjev za stjecanje kvalificiranog udjela u HVB Splitskoj banci d.d. Split, Hrvatska narodna banka dužna je primijeniti navedene zakonske odredbe i osigurati postupanje jednako kao i u bilo kojem drugom slučaju.
It is beyond question that in the course of its actions the Croatian National Bank has to adhere to clear and unequivocal provisions of the Banking Act as regards decision-making in connection with its approvals for acquisition of qualified holdings, and it is equally undisputable that the Croatian National Bank has the legal right to determine whether any of the reasons referred to in Article 21, paragraph 2 of the same Act exist.
Međutim, kako je neupitno da se Hrvatska narodna banka mora u svom postupanju pridržavati jasnih i nedvosmislenih odredaba Zakona o bankama u odnosu na odlučivanje o suglasnosti za stjecanje kvalificiranog udjela, jednako tako je nesporno da Hrvatska narodna banka ima zakonsko pravo ocijeniti postoje li neki od razloga navedenih u članku 21. stavak 2. istog Zakona.
As part of the possible procedure of deciding on the application for acquisition of a qualifying holding by KBC, the Croatian National Bank would start from the following facts:
U eventualnom postupku odlučivanja o zahtjevu za stjecanje kvalificiranog udjela od strane KBC-a, Hrvatska narodna banka pošla bi od slijedećih činjenica:
KBC Bank is a part of the KBC Group;
KBC Bank dio je KBC Group-e
KBC Bank acquired 34% of shares of Nova Ljubljanska banka d.d. Ljubljana in 2002;
KBC Bank je 2002, godine stekla 34% dionica Nove Ljubljanske banke d.d. Ljubljana
KBC appointed 4 members to the Supervisory Board of Nova Ljubljanska banka d.d. Ljubljana of the total number of 11 Supervisory Board Members;
KBC Bank je u nadzorni odbor Nove Ljubljanske banke d.d. Ljubljana imenovao 4 predstavnika od ukupno 11 članova Nadzornog odbora
35.41% of shares of Nova Ljubljanska banka d.d. Ljubljana is owned by the Republic of Slovenia;
35,41% dionica Nove Ljubljanske banke d.d. Ljubljana u vlasništvu je Republike Slovenije
the existence of the debt of Ljubljanska banka d.d. Ljubljana towards depositors from the Republic of Croatia.
postojanje duga Ljubljanske banke d.d. Ljubljana prema štedišama s područja Republike Hrvatske.
The fact that there is a debt of Ljubljanska banka d.d. Ljubljana towards depositors from Republic of Croatia, which is deemed extremely important by the Croatian National Bank, can be summarised as follows:
Činjenicu postojanja duga Ljubljanske banke d.d. Ljubljana prema štedišama s područja Republike Hrvatske a koja u procjeni Hrvatske narodne banke ima izrazitu važnost, ukratko obrazlažemo navođenjem slijedećim okolnosti.
Ljubljanska banka Basic Bank Zagreb, which was an independent legal person in the system of Ljubljanska banka - United Bank Ljubljana, operated in the Republic of Croatia until 1 January 1990.
Do 01. siječnja 1990. godine u Republici Hrvatskoj je poslovala Ljubljanska banka Osnovna banka Zagreb koja je bila samostalna pravna osoba u sastavu Udružene ljubljanske banke.
As from 1 January 1990 Ljubljanska banka Basic Bank Zagreb ceased to exist as an independent legal person and following its reorganisation, based on a decision of the Constituent Assembly of Ljubljanska banka d.d. Ljubljana, continued to operate as an organisational unit of Ljubljanska banka d.d. Ljubljana without legal personality.
Danom 01. siječnja 1990. godine prestala je postojati Ljubljanska banka Osnovana banka Zagreb kao samostalna pravna osoba te je zbog provedene reorganizacije, u skladu s odlukom osnivačke skupštine Ljubljanske banke d.d. Ljubljana, nastavila s poslovanjem kao njen organizacijski dio bez pravne osobnosti.
As a result of the said reorganisation, Ljubljanska banka Basic Bank Zagreb was merged with Ljubljanska banka d.d. Ljubljana.
Navedenom reorganizacijom, i formalno-pravno Ljubljanska banka Osnovna banka Zagreba pripojena je Ljubljanskoj banci d.d. Ljubljana.
Ljubljanska banka d.d. Ljubljana guaranteed for all liabilities of the Main Branch Office with its entire assets, without limitation.
Za sve obveze Glavne filijale odgovarala je Ljubljanska banka d.d. Ljubljana cjelokupnom svojom imovinom, bez ograničenja.
The Republic of Slovenia adopted a Constitutional Act Implementing the Basic Constitutional Charter on the Independence and Sovereignty of the Republic of Slovenia (hereinafter: the Constitutional Act) in July 1994.
Republika Slovenija je u srpnju 1994. godine donijela Ustavni Zakon o dopunama ustavnog Zakona za provedbu Osnovnog ustavnog dokumenta o samostalnosti i nezavisnosti Republike Slovenije (u daljnjem tekstu: Ustavni zakon).
With this Act the Republic of Slovenia, among other things, established Nova Ljubljanska banka d.d. Ljubljana and stipulated that Ljubljanska banka d.d. Ljubljana transfers its operations and assets to Nova Ljubljanska banka d.d. Ljubljana.
Navedenim je Zakonom Republika Slovenija, između ostalog, osnovala Novu Ljubljansku banku d.d. Ljubljana te utvrdila da Ljubljanska banka d.d. Ljubljana prepušta poslovanje i imovinu Novoj Ljubljanskoj banci d.d. Ljubljana.
Although this Act was aimed at preventing Nova Ljubljanska banka d.d. Ljubljana from being treated as successor of Ljubljanska banka d.d. Ljubljana, Nova Ljubljanska banka d.d. Ljubljana took over the assets but not the liabilities of Ljubljanska banka d.d. Ljubljana.
Iako se tim pravnim aktom nastojalo spriječiti da se Nova Ljubljanska banka d.d. Ljubljana tretira kao sljednik Ljubljanske banke d.d. Ljubljana, ona je preuzela imovinu ali ne i obveze Ljubljanske banke d.d. Ljubljana.
At the same time, by adopting the said Act the Republic of Slovenia made it impossible for all depositors outside Slovenia to initiate any legal proceedings for the purpose of settling their claims against Ljubljanska banka d.d. Ljubljana and Nova Ljubljanska banka d.d. Ljubljana in the Republic of Slovenia.
Istovremeno je Republika Slovenija istim Zakonom, onemogućila neslovenskim štedišama da u Republici Sloveniji vode bilo kakve sudske postupke radi naplate potraživanja prema Ljubljanskoj banci d.d. Ljubljana i Novoj Ljubljanskoj banci d.d. Ljubljana.
It is clear that Ljubljanska banka d.d. Ljubljana together with Nova Ljubljanska banka d.d. Ljubljana, as well as the Republic of Slovenia, which, by passing this discriminating Act, interfered with the relationship between Croatian depositors and Ljubljanska banka d.d. that is governed by private law, are responsible for not repaid savings of Croatian depositors.
Razvidno je, da je za neisplaćena sredstva hrvatskim štedišama uz Ljubljansku banku d.d. Ljubljana odgovorna i Nova Ljubljanska banka d.d. Ljubljana kao i Republika Slovenija koja se donošenjem ovog diskriminirajućeg Zakona umiješala u privatnopravni odnos hrvatskih štediša i Ljubljanske banke d.d. Ljubljana.
Were the Croatian National Bank to decide on request for approval to acquire a qualifying holding by KBC, the central bank would deem the said circumstances very important due to the fact that KBC is a qualifying holder in Nova Ljubljanska banka d.d. Ljubljana.
U eventualnom odlučivanju o suglasnosti za stjecanje kvalificiranog udjela od strane KBC-a o Hrvatska narodna banka navedene okolnosti smatra bitnim zbog činjenice da je KBC imatelj kvalificiranog udjela Nove Ljubljanske banke d.d. Ljubljana.
KBC Bank holds 34% of shares of Nova Ljubljanska bank d.d. Ljubljana.
Naime, KBC Bank je imatelj 34% dionica Nove Ljubljanske banke d.d. Ljubljana.