natgillin/translations-raw huggingface dataset:
However, he stressed that structural repo auctions would not solve Croatia's economic problems because of the unresolved issue of the pass through of funding to the economy.
No, naglasio je, strukturne repo aukcije neće riješiti probleme hrvatskog gospodarstva jer je i dalje prisutan problem prohodnosti novca prema gospodarstvu.
He also mentioned his proposal of several years ago to introduce a guarantee scheme to offset the lack of collateral and capital in Croatian enterprises.
Podsjetio je i na svoj dugogodišnji prijedlog o uvođenju jamstvene sheme koja može zamijeniti nedostatak kolaterala i kapitala u našim poduzećima.
If any of the objections were in place, those would be the objections to the contrary: the CNB revised upwards its GDP growth projections several times over the previous year, which means that it has been, like other forecasters, including international financial institutions, overly pessimistic, rather than overly optimistic.
Ako se išta moglo prigovoriti, onda je to upravo suprotno, HNB je u protekloj godini nekoliko puta revidirao svoje procjene rasta BDP-a naviše, što znači da je, kao i ostali prognostičari, uključujući međunarodne financijske institucije, bio pretjerano pesimističan, a ne pretjerano optimističan.
In response to the objections that the Croatian National Bank had not put sufficient effort into de-euroisation, the Governor indicated a series of measures aimed at the "re-kunisation" of the economy implemented by the CNB.
Na primjedbe da Hrvatska narodna banka ne radi dovoljno na deeurizaciji, guverner je naglasio da je Hrvatska narodna banka provodila cijeli niz mjera na poticanju rekunizacije ekonomije.
"The strongest and most efficient measure was the requirement imposed on banks to hold additional capital buffers for lending in foreign currency to borrowers without a natural hedge, that is, those with no income in that currency," said the Governor.
"Najsnažnija i najefikasnija je bila to što smo banke tražili da drže dodatni kapital za kreditiranje u inozemnoj valuti onih koji nemaju takozvani prirodni hedge, nemaju prihode u toj valuti", rekao je guverner.
He pointed out that these measures: "had succeeded in reducing euroisation to some extent, from 78% to approximately 63%; however, after the onset of the crisis, within three months everyone once again resorted to the euro as people got scared."
Istaknuo je da su takve mjere "uspjele donekle smanjivati eurizaciju, pa smo došli sa 78% na nekakvih 63%, no došla je kriza i u roku od 3 mjeseca svi su se vratili u euro, jer su se ljudi uplašili."
"The Croats turn to the euro when they get scared, as they used to turn to the German mark, this is a psychological category no monetary policy can change," said the Governor, adding that: "the regulatory burden on the euro is at the moment twice as high as the one placed on the kuna, but it is still not helping much."
"Čim se Hrvati uplaše, trče u euro, kao što su nekada u marku, i to je psihološka kategorija, nema te monetarne politike kojom ćemo to promijeniti", dodao je guverner te nastavio da "u ovom trenutku duplo više regulatorno opterećujemo euro u bankarskom sektoru nego kunu, i opet ne pomaže puno."
The Governor replied to criticism of the CNB's treatment of small banks by saying that: "the regulatory treatment of small banks is exactly the same as that of large banks.
Na kritike o odnosu HNB-a prema malim bankama, guverner je rekao da su "male banke regulatorno u potpuno istom tretmanu kao i velike banke.
Small banks' placements are subject to the same regulatory treatment as large banks' placements."
Plasmani malih banaka su u potpuno istim regulatornim tretmanima kao i plasmani velikih banaka."
The Governor also referred to the method of submission of the Annual Report and described the European Central Bank's method of reporting to the European Parliament on its operations.
Guverner se osvrnuo i na način podnošenja godišnjeg izvješća te opisao način na koji Europska središnja banka izvješćuje o svom radu Europski parlament.
"We submit financial statements to the Parliament.
"Mi dostavljamo financijska izvješća Saboru.
We submit financial statements to the Ministry of Finance on a monthly basis, it is common practice.
Svaki mjesec dostavljamo financijska izvješća Ministarstvu financija i to je ustaljena praksa.
I come here, I will answer your questions on a quarterly basis, instead of semi-annually or annually, if you want; I hope, and I am glad about that, that we can continue our discussion at the Croatian National Bank, we are going to organise a panel discussion as soon as possible, seeing there is interest in these topics, after this Parliament session."
Ja dolazim ovdje, odgovarat ću na vaša pitanja ako hoćete i kvartalno, a ne polugodišnje ili godišnje, a nadam se i drago mi je da raspravu možemo nastaviti i u Hrvatskoj narodnoj banci i to ćemo sada s obzirom da postoji interes, i to mi je jako drago, pokrenuti čim bude prilika, znači nakon ovog zasjedanja Sabora."
Parliament members also directly asked questions about Croatian National Bank's operations, expenditures and employee expenses.
Zastupnici su postavili i direktna pitanja o poslovanju Hrvatske narodne banke, rashodima i troškovima za zaposlenike.
Accordingly, Croatian National Bank expenditures have decreased, rather than grown, dropping, according to audit reports, by 10% until 2014, and by 8% until 2015."
Znači, došlo je do pada rashoda Hrvatske narodne banke, a ne do rasta rashoda i oni su se revidirano smanjili za 10% do 2014., odnosno 8% do 2015."
Governor Vujčić reiterated that the Croatian National Bank was not responsible for the supervision of Austrian savings banks.
Guverner Vujčić ponovio je i da Hrvatska narodna banka nije nadležna za nadzor austrijskih štedionica.
In response to the question on Credo banka, Boris Vujčić explained that: "Credo banka was undergoing a compulsory winding-up procedure, which means that it had lost its licence and was therefore no longer allowed to provide services it had been licensed for, including payment services.
Odgovarajući na pitanje o Credo banci Boris Vujčić je rastumačio da je "Credo banka bila u postupku prisilne likvidacije, što znači da je izgubila licencu i zbog toga više nije smjela obavljati usluge za koje je bila licencirana, što uključuje i obavljanje platnog prometa.
The execution of its payments was suspended in our payment systems, the CLVPS and NCS, i.e. the large-value payment system and the small-value clearing system; however, according to law, winding up does not mean the dissolution of a company, so that execution proceedings had to be conducted."
Zbog toga je bila pod suspenzijom izvršenja plaćanja u našim platnim sustavima, to je HSVP i NKS, znači sustav velikih plaćanja i mali klirinški sustav, međutim po zakonu likvidacija ne znači prestanak društva, odnosno ovrhe su se morale provesti."
The Governor pointed out that an investigation on this matter had been carried out, establishing no regularities.
Guverner je istaknuo da je o tome provedena istraga koja je pokazala da je sve bilo u redu.
Responding to the objections related to Swiss franc indexed loans, the Governor pointed out that the Croatian National Bank, acting in the best interest of Croatian citizens: "proposed a solution, that is, solutions, to help those who needed help, borrowers with Swiss franc loans, without imposing legal and financial risks to the Croatian budget, i.e., to all taxpayers."
Osvrnuvši se na primjedbe o kreditima s valutnom klauzulom u švicarskim francima naglasio je da je Hrvatska narodna banka brinula za interes hrvatskih građana i "predlagala rješenje, odnosno rješenja koja mogu najviše pomoći onima kojima treba pomoći, zaduženima u švicarskom franku, a ne opteretiti pravnim i financijskim rizicima hrvatski proračun, odnosno sve porezne obveznike."
In response to the questions regarding the degree of protection for banks in Croatia from crises in their respective parent countries, the Governor said: "They are well protected.
Zastupnike je zanimalo koliko su banke u Hrvatskoj zaštićene od krize u zemljama majkama, na što je guverner odgovorio: "Dobro su zaštićene.
Why?
Zašto?
Because these are Croatian banks.
Zato jer su to hrvatske banke.
This should be kept in mind.
To treba imati na umu.
So, Zagrebačka banka is a Croatian bank, established in Croatia, with the capital in Croatia."
Znači, Zagrebačka banka je hrvatska banka, osnovana je u Hrvatskoj s kapitalom u Hrvatskoj."
The Governor added that the bank: "can now be transformed into a branch under European laws and we cannot prevent that, but in that case deposits would be insured by the Italian government, and not by the Croatian government.''
Guverner je dodao da se banka "može pretvoriti sada u poslovnicu po europskim zakonima i mi to ne možemo spriječiti, ali to znači da su tada depoziti osigurani od talijanske države, a ne od hrvatske države.''
The Governor stressed that the capital adequacy of banks in Croatia was very high.
Naglasio je da banke u Hrvatskoj imaju vrlo visoku kapitalnu adekvatnost.
''The capital adequacy of Croatian banks considerably exceeds that of their parent banks, so that their safety is ensured, which is a crucial factor for Croatia's financial stability."
''Znači kapitalna adekvatnost hrvatskih banaka je puno viša nego kapitalna adekvatnost njihovih banaka majki i to im daje sigurnost jer o tome ovisi financijska stabilnost Hrvatske."
Replying to the questions on the EURIBOR, the Governor said that the Croatian National Bank had warned of the use of the EURIBOR in credit contracts and that its use was enabled by the Parliament's adopting the Consumer Credit Act, and not by the CNB.
Guverner je na pitanja o EURIBOR-u saborskim zastupnicima poručio da je Hrvatska narodna banka upozoravala na korištenje EURIBOR-a u kreditnim ugovorima, ali je njegovo korištenje omogućio Sabor koji je donio Zakon o potrošačkom kreditiranju, a ne HNB.
The CNB has put forward and is still putting forward proposals for the resolution of the problem, some of which have been accepted, with the result that kuna loans with a fixed interest rate are now widely available on the domestic market; the CNB will continue to propose solutions to this problem to the new Government.
Predlagao je, i dalje predlaže i moguća rješenja tog problema, od kojih su neka prihvaćena, pa je ponuda kunskih kredita s fiksnom kamatnom stopom danas raširena na domaćem tržištu, a nastavit će ih predlagati i novoj Vladi.
Governor Vujčić pointed out that: "the CNB has been buying time for the governments to implement structural reforms aimed at stimulating the economy.
U zaključku, guverner Vujčić je naglasio da je "HNB kupovao vrijeme vladama da mogu napraviti strukturne reforme kako bi se pokrenulo gospodarstvo.
Monetary policy can do this, not only the monetary policy of the Croatian National Bank, but the monetary policy of, for example, the European Central Bank as well.
To može raditi monetarna politika i to ne radi samo monetarna politika Hrvatske narodne banke, to rade monetarne politike i recimo Europske središnje banke.
However, if these reforms fail to be implemented, monetary policy cannot increase productivity."
No ako se te reforme ne naprave, monetarna politika je nemoćna na povećanju produktivnosti."
Commemorative 10 kuna banknote goes into circulation
U optjecaj ulazi prigodna novčanica od 10 kuna
The text which is written in a microscript reads: "TENTH ANNIVERSARY OF THE CROATIAN MONEY KUNA AND LIPA 2004", creating a rectangular basis within which, by bold typing certain letters and numbers a visible number 10 effect is obtained.
Taj mikropismom otisnut tekst glasi "DESETA OBLJETNICA HRVATSKOGA NOVCA KUNE I LIPE 2004." i tvori pravokutnu podlogu unutar koje je zadebljanjem pojedinih slova i brojki dobiven vidljiv efekt broja "10.".
Across this basis, in three lines in iridescent colour, the word "ANNIVERSARY" is printed.
Preko te podloge u tri je retka bojom koja se prelijeva otisnuta riječ "OBLJETNICA".
The predominant colour of the rectangular basis is orange.
Na pravokutnoj podlozi prevladava narančasta boja.
The reverse of the banknote bears the date of issue, 30 May 2004.
Na naličju novčanice otisnut je datum izdanja 30. svibnja 2004.
Instruction concerning the operational procedures for the Croatian Large Value Payment System
46/2016.) guverner Hrvatske narodne banke donosi
to as 'the CNB') and other participants in the CLVPS (hereinafter referred to as 'participant'); - the method of initiating account transfers; - the participation in the CLVPS by participants that are not qualified for the exchange of messages
sudionika u HSVP-u (u nastavku teksta: sudionik), - način zadavanja direktnih transfera, - sudjelovanje u HSVP-u sudionika koji nisu osposobljeni za razmjenu poruka SWIFT
through the SWIFT telecommunication network (hereinafter referred to as 'the SWIFT'); - activities in the case of the opening of insolvency proceedings against a participant; - procedures for the admission to/termination of the participation in the CLVPS; - testing procedures within the CLVPS; - other operational procedures of the CLVPS.
telekomunikacijskom mrežom (u nastavku teksta: SWIFT), - aktivnosti u slučaju pokretanja postupka zbog insolventnosti sudionika, - postupci uključenja/isključenja sudionika iz HSVP-a, - postupci testiranja u HSVP-u, - drugi operativni postupci u HSVP-u.
1. OPERATIVE CHARACTERISTICS OF THE CLVPS
1. OPERATIVNA OBILJEŽJA HSVP-a
The CLVPS is a payment system for settlement of payment transactions in kuna by applying the real time gross settlement principle.
HSVP je platni sustav za namiru platnih transakcija u kunama u realnom vremenu na bruto načelu.
The CLVPS infrastructure consists of: - Central Accounting System (CAS) application which enables settlement of payment transactions and - the SWIFT and the FIN Copy service.
Infrastruktura HSVP-a sastoji se: - od aplikacije Central Accounting System (CAS) koja omogućuje namiru platnih transakcija i - od SWIFT-a i usluge FIN Copy.
The purpose of the FIN Copy service is for the participant to initiate payment messages in such a format that the FIN Copy service can copy them for the purpose of settlement in CLVPS.
Namjena je usluge FIN Copy da sudionici zadaju platne poruke u takvom formatu da ih usluga FIN Copy može kopirati za potrebe namire u HSVP-u.
The sender of a payment message needs to specify in the header, in field 103 (FIN Copy Service Code) the service identification code ''HRK'' - Service identification code.
Pošiljatelj platne poruke mora u zaglavlju, u polju 103 (FIN Copy Service Code), kao oznaku servisnoga identifikacijskoga koda, upisati oznaku "HRK" - Servisni identifikacijski kôd.
On the basis of that information the FIN Copy service copies the prescribed fields from the payment message and submits them to the CLVPS for settlement.
Na temelju te informacije usluga FIN Copy kopira propisana polja iz platne poruke i dostavlja ih HSVP-u na namiru.
Fields to be copied from the textual part of the payment message to the CLVPS: field 20 - Transaction reference number - TRN and field 32A - Value date, currency code and the amount of payment transaction.
Polja koja se iz tekstualnog dijela platne poruke kopiraju u HSVP jesu: polje 20 - Referentni broj transakcije (Transaction reference number - TRN) i polje 32A - Datum valute, oznaka valute i iznos platne transakcije.
The FIN Copy service ensures the exchange of messages exclusively between members of the FIN Copy Closed User Group.
Usluga FIN Copy osigurava razmjenu poruka isključivo između članova FIN Copy Zatvorene grupe korisnika.
The Fin Copy Closed User Group comprises participants in the CLVPS.
FIN Copy Zatvorenu grupu korisnika čine sudionici HSVP-a.
The CNB shall administer the CLVPS Closed User Group.
Zatvorenom grupom korisnika HSVP-a upravlja HNB.
2. FUNCTIONAL SPECIFICATIONS OF THE CLVPS
2. FUNKCIONALNE SPECIFIKACIJE HSVP-a
The CNB shall submit to participants in the CLVPS the Functional specifications of the CLVPS containing a detailed technical description and functionalities of the CLVPS, as well as a detailed description and examples of all messages used in the CLVPS.
HNB dostavlja sudionicima HSVP-a Funkcionalne specifikacije HSVP-a u kojima je dan detaljan tehnički opis i funkcionalnosti HSVP-a kao i detaljan opis i primjeri svih poruka koje se koriste u HSVP-u.
The CNB shall regularly update the said document and notify the participants of any changes thereof.
HNB redovito ažurira navedeni dokument te o svakoj izmjeni obavještava sudionike.
3. TYPES OF MESSAGES USED IN THE CLVPS
3. VRSTE PORUKA KOJE SE UPOTREBLJAVAJU U HSVP-u
In addition to the messages listed in this item, other messages shall be used in the CLVPS, which are listed and described in detail in the Functional specifications of the CLVPS.
Osim poruka navedenih u ovoj točki, u HSVP-u se koriste i ostale poruke koje su navedene i detaljno opisane u Funkcionalnim specifikacijama HSVP-a.
PAYMENT MESSAGES
PLATNE PORUKE
Payment messages shall be specific types of SWIFT messages by which a participant initiate payment transactions to debit its account in the CLVPS and account transfers initiated by the CNB as the CLVPS manager.
Platne su poruke odgovarajuće vrste SWIFT poruka kojima sudionik zadaje platne transakcije na teret svog računa u HSVP-u te direktni transferi koje zadaje HNB kao upravitelj HSVP-a.
Types of payment messages
Vrste platnih poruka
Payment messages in the CLVPS shall be the following types of SWIFT messages: - MT102, - MT103, - MT202, - MT205, - MT202COV and - MT205COV.
Platne su poruke u HSVP-u sljedeće vrste SWIFT poruka: - MT102, - MT103, - MT202, - MT205, - MT202COV i - MT205COV.
Payment messages shall be used in accordance with SWIFT standards.
Platne se poruke koriste u skladu sa SWIFT standardima.
The CNB shall initiate account transfers in accordance with items 8. and 12. of this Instruction.
HNB zadaje direktne transfere u skladu s točkama 8. i 12. ove Upute.
The conditions for the settlement of a payment transaction
Uvjeti za namiru platne transakcije
The conditions for the settlement of a payment transaction on participant's account, initiated by a payment message shall be as follows: - the payment message is technically correct; - there are available funds on the account of the payer; - the account of the payer or payee is not suspended or frozen; - the CLVPS is open for business in accordance with the Work schedule for the CLVPS; and - there are no unforeseen situations that cause unavailability of the CLVPS.
Uvjeti za namiru platne transakcije, zadane platnom porukom, na računu sudionika su sljedeći: - platna poruka je tehnički valjana, - na računu sudionika platitelja ima dovoljno pokrića, - račun sudionika platitelja ili sudionika primatelja nije suspendiran odnosno blokiran, - HSVP je otvoren za rad u skladu s Terminskim planom HSVP-a i - ne postoje nepredviđene situacije koje uzrokuju nedostupnost HSVP-a.
message, field 32A; - have a unique transaction reference number (TRN) for the same type of payment message in one
datumu tekućega obračunskog dana, - u tekstualnom dijelu, u polju 20, u jednom obračunskom danu za isti tip platne poruke, imati
business day specified in the text block, field 20; and - comply with all other SWIFT standards.
jedinstvenu oznaku odnosno referentni broj transakcije (TRN) i - zadovoljavati ostale SWIFT standarde.
The method of specifying elements of the payment order in payment messages
Način upisivanja pojedinih elemenata s naloga za plaćanje u platne poruke
Payment messages must be completed in accordance with SWIFT standards.
Platne poruke moraju biti popunjene na način koji odgovara SWIFT standardima.
Account number and title of the account of the payer
Broj i naziv računa sudionika platitelja
The account number and the title of the account of the payer shall be specified in the payment messages MT103 and MT102 in the field 50a.
Broj i naziv računa sudionika platitelja upisuje se u platne poruke MT103 i MT102, u, u polju 50a.
The account number and the title of the account of the payer in the payment message MT103 used for the execution of payment transactions between the CNB and other participants shall be completed in accordance with item 6.2. of this Instruction.
Broj i naziv računa sudionika platitelja u platnoj poruci MT103 kojom se izvršavaju platne transakcije između HNB-a i ostalih sudionika popunjava se u skladu s točkom 6.2. ove Upute.
The account number and the title of the account of the payer in the payment message MT103 used for the execution of transactions related to the participation in the capital market between the Central Depository & Clearing Company (hereinafter referred to as 'the CDCC') and other participants shall be completed in accordance with item 7. of this Instruction.
Broj i naziv računa sudionika platitelja u platnoj poruci MT103 kojom se izvršavaju platne transakcije u svrhu provođenja transakcija povezanih sa sudjelovanjem na tržištu kapitala između SKDD-a i ostalih sudionika popunjava se u skladu s točkom 7. ove Upute.
Account number and title of the account of the payee
Broj i naziv računa sudionika primatelja
The account number and the title of the account of the payee shall be specified in the payment messages MT103 and MT102 in the field 59a.
Broj i naziv računa sudionika primatelja plaćanja upisuju se u platne poruke MT103 i MT102, polje 59a.
The account number and the title of the account of the payee in the payment message MT103 used for the execution of payment transactions between the CNB and other participants shall be completed in accordance with item 6.2. of this Instruction.
Broj i naziv računa sudionika primatelja u platnoj poruci MT103 kojom se izvršavaju platne transakcije između HNB-a i ostalih sudionika popunjavaju se u skladu s točkom 6.2. ove Upute.
The account number and the title of the account of the payee in the payment message MT103 used for the execution of transactions related to the participation in the capital market between the CDCC and other participants shall be completed in accordance with item 7. of this Instruction.
Broj i naziv računa sudionika platitelja u platnoj poruci MT103 kojom se izvršavaju platne transakcije u svrhu provođenja transakcija povezanih sa sudjelovanjem na tržištu kapitala između SKDD-a i ostalih sudionika popunjava se u skladu s točkom 7. ove Upute.
Purpose code, credit authorisation number/debit authorisation number
Šifra namjene, poziv na broj odobrenja/poziv na broj zaduženja
For each payment message, the credit authorisation number/debit authorisation number shall be specified in field 72 in the text block of the message as follows: - Purpose code shall be specified in the first line.
U sve platne poruke poziv na broj odobrenja/zaduženja upisuje se, u tekstualnom dijelu poruke, u polje 72, i to: - U prvi se red upisuje oznaka šifre namjene.
The '/VPO/' code and the purpose code shall be specified.
Upisuje se oznaka "/VPO/" i oznaka šifre namjene.
Purpose code and the method of its specification shall be mutually agreed by participants.
Oznaku šifre namjene i način upisa definiraju sudionici međusobno.
- The debit authorisation number shall be specified in the second line.
- U drugi se red upisuje poziv na broj zaduženja.
The '/ZAD/' code and the code of the debit authorisation number shall be specified.
Upisuje se oznaka "/ZAD/" i oznaka poziva na broj zaduženja.
The authorisation number model (M) and the elements of the authorisation number (P1, P2, P3 and P4) shall be separated by dashes (''-'') without spaces (M-P1-P2-P3-P4).
Između modela poziva na broj (M) i pojedinih elemenata poziva na broj (P1, P2, P3, P4) upisuje se crtica ("-") bez razmaka (M-P1-P2-P3-P4).
- The credit authorisation number shall be specified in the third line.
- U treći se red upisuje poziv na broj odobrenja.
The '/ODO/' code and the code of the credit authorisation number shall be specified.
Upisuje se oznaka "/ODO/" i oznaka poziva na broj odobrenja.
The '/VPO/', '/ZAD/' and '/ODO/' codes shall be specified irrespective of the availability of the data on the purpose code, debit authorisation number or credit authorisation number.
Oznake "/VPO/", "/ZAD/" i "/ODO/" upisuju se bez obzira na to postoji li podatak o šifri namjene, pozivu na broj zaduženja ili pozivu na broj odobrenja.
Payment description
Opis plaćanja
SYSTEM MESSAGES
SISTEMSKE PORUKE