natgillin/translations-raw huggingface dataset:
They are, in the main, very open economies and are more and more closely integrated with the EU economy in terms of trade, foreign direct investment, and financial linkages.
Njihova su gospodarstva, uglavnom, vrlo otvorena i sve se više i više integriraju u gospodarstvo EU na područjima trgovine, inozemnih izravnih ulaganja i financijske povezanosti.
The prospects for further economic and financial integration are good.
Izgledi su za daljnju gospodarsku i financijsku integraciju dobri.
I want to commend Croatia's success since independence in tying the value of its currency to the Deutsche Mark in the first instance, and then to the Euro, and in keeping the exchange rate within a narrow band.
Želio bih pohvaliti uspjeh koji je u razdoblju od proglašenja neovisnosti Hrvatska ostvarila povezujući vrijednost svoje valute prvo s njemačkom markom, a zatim s eurom, kao i u održavanju kretanja tečaja u uskom rasponu.
But the policy challenges for new Member States seeking to join the Euro area are not insubstantial: While Croatia for example does not presently have a tight labour market, as economic expansion continues - and with interest rates converging towards Eurozone levels -this could change over the medium term.
Međutim, izazovi s kojima se suočavaju nove države članice koje se žele priključiti europodručju nisu zanemarivi: iako Hrvatsku trenutačno ne odlikuje tržište rada s viškom radnih mjesta, kako se gospodarska ekspanzija bude nastavljala - i kako se kamatne stope budu približavale razinama u eurozoni - situacija bi se na tom području mogla promijeniti u srednjoročnom razdoblju.
It will be important in those circumstances that the fiscal stance remains appropriate and that pro-cyclical impulses are avoided.
U tim će okolnostima biti važno da fiskalna politika ostane primjerena te da se izbjegnu prociklički impulsi.
Prudent fiscal policies, effective financial supervision and structural reforms that liberalize labour, product, and capital markets play a key role in sustaining external sustainability and competitiveness.
Razborita fiskalna politika, djelotvoran nadzor nad financijskim sustavom i strukturne reforme kojima se liberaliziraju tržišta rada, proizvoda i kapitala imaju ključnu ulogu u podupiranju eksterne održivosti i konkurentnosti.
For all Member States - new and prospective - containing inflationary pressures is not just a question of meeting Maastricht criteria at a particular point in time but a key element to safeguard competitiveness and long-term macroeconomic stability.
Za sve države članice - nove i one koje će to postati - obuzdavanje inflatornih pritisaka nije samo pitanje udovoljavanja maastrichtskim kriterijima u određenom trenutku nego i ključan element za očuvanje konkurentnosti i dugoročne makroekonomske stabilnosti.
Ladies and Gentlemen, it is only a few months since we celebrated the 50th anniversary of the Treaty of Rome.
Dame i gospodo, prošlo je tek nekoliko mjeseci od obilježavanja 50. obljetnice Ugovora iz Rima.
Over the intervening 50 years European integration has brought great prosperity to the members of the EU.
Tijekom tog 50-godišnjeg razdoblja europske su integracije donijele veliko blagostanje članicama EU.
And not just prosperity: freedom and security too.
I to ne samo blagostanje nego također slobodu i sigurnost.
But prosperity, freedom and security are built on the same, single foundation - peace.
Međutim, to blagostanje, sloboda i sigurnost počivaju na istoj, jedinstvenoj osnovi - miru.
Like you, I come from a country that in the past was deeply divided.
Kao i vi, dolazim iz zemlje koja je u prošlosti bila duboko podijeljena.
I am acutely aware that lasting peace is only achieved when the roots of reconciliation between former enemies gets firmly entrenched.
Iznimno sam svjestan činjenice da se trajan mir može postići tek onda kad se pomirba između bivših neprijatelja duboko ukorijeni.
That requires maturity from people: it requires forgiving the past without forgetting it, agreeing to set aside ancient battles and to move forward on the basis of shared, common goals.
To od ljudi zahtijeva zrelost, odnosno opraštanje prošlih događaja, a da ih se ne zaboravi, te suglasnost da se stare bitke ostave po strani i krene naprijed u ostvarivanje zajedničkih ciljeva.
As a result of parallel deepening of integration and gradual widening, Europe is today much safer and more prosperous than it was when the integration process started.
Zbog paralelnog jačanja integracija i postupnog širenja Europa je danas puno sigurnija i bogatija nego na početku integracijskih procesa.
And now with 27 Member States and a population of close on 500 million Europe is much stronger and more powerful in the world than it was 35 years ago when - with the accession of the UK, Ireland and Denmark the EU expanded from 6 to 9 members and to a population of less than half its current level.
I danas, s 27 država članica i brojem stanovnika od gotovo 500 milijuna, Europa je puno snažnija u svjetskim razmjerima nego prije 35 godina kad se, nakon pristupanja Ujedinjenog Kraljevstva, Irske i Danske, broj članica EU povećao sa 6 na 9, i kad je broj stanovnika iznosio nešto manje od polovine sadašnjeg broja stanovnika.
Today our leverage in the world economy is immensely greater and with the accession of countries like Croatia and others, Europe will become stronger and more powerful still.
Danas je naš utjecaj na svjetsko gospodarstvo znatno veći, a s pristupanjem zemalja poput Hrvatske i drugih zemalja Europa će postati još snažnija i moćnija.
I wish you well as you move further and further along the path towards EU membership.
Želim vam sve najbolje u daljnjem napretku na putu prema članstvu u EU.
I hope you can move quickly towards meeting all of the agreed opening benchmarks on the acquis.
Nadam se da ćete se uspjeti brzo približiti ispunjenju svih dogovorenih minimalnih preduvjeta vezanih uz pravnu stečevinu EU.
The challenges and opportunities that lie ahead for Croatia are significant.
Hrvatska će se susresti s velikim izazovima i mogućnostima.
I am sure that you will rise to those challenges and grasp the many exciting opportunities that are there for the taking.
Siguran sam da ćete se uspješno suočiti s tim izazovima i prigrliti mnoge uzbudljive mogućnosti koje će vam biti na raspolaganju.
Regulations
Bezgotovinska plaćanja
Relevant regulations in the area of payment operations in the Republic of Croatia are presented in this chapter.
Vrsta bezgotovinskih plaćanja kojom se potrošači najčešće koriste jesu platne kartice.
The majority of risk management mechanisms are based on assumptions on the manner and the time when these rights and obligations arise.
U takvim vrstama plaćanja rabe se različiti instrumenti, među kojima se potrošači najčešće koriste platnim karticama.
If the legal basis for the activities and operations of the payment system is inadequate, uncertain or non transparent, it may lead to payment system participants or their clients to face unplanned, uncertain or unusable credit or liquidity risks, which can also give rise to or increase systemic risks.
Usto, globalno širenje interneta i želja za još efikasnijim i jeftinijim provođenjem transakcija u elektroničkim plaćanjima doveli su do razvoja elektroničkog novca, a razvoj interneta kao globalne informacijske mreže i medija kojim će se obavljati najveći dio transakcija zahtijeva posebnu pozornost kada je riječ o sigurnosti i pouzdanosti sustava koji omogućuju takva plaćanja.
Search regulations
HRVATSKA NARODNA BANKA
APPLICATION FOR AUTHORISATION TO MERGE BY ACQUISITION /FORMATION OF A NEW CREDIT INSTITUTION WITH ANOTHER CREDIT INSTITUTION OR OTHER LEGAL PERSON AND AUTHORISATION TO BE MERGED BY ANOTHER CREDIT INSTITUTION
ZAHTJEV ZA IZDAVANJE ODOBRENJA ZA PRIPAJANJE I SPAJANJE DRUGE KREDITNE INSTITUCIJE ILI DRUGE PRAVNE OSOBE I ODOBRENJE ZA PRIPAJANJE DRUGOJ KREDITNOJ INSTITUCIJI
3 Name/firm, head office and address of the applicant
3. Ime/tvrtka, sjedište, adresa podnositelja zahtjeva
6 Draft Articles of Association of a credit institution to which another credit institution or other legal person is merged or the credit institution that is formed as a result of a merger of credit institutions provide draft Articles of Association (and amendments thereto) of a credit institution to which another credit institution or other legal person is merged or the credit institution that is formed as a result of merger of credit institutions
6. Nacrt statuta kreditne institucije kojoj se pripaja druga kreditna institucija ili druga pravna osoba, odnosno kreditne institucije koja nastaje spajanjem kreditnih institucija dostaviti nacrt statuta (izmjena statuta) kreditne institucije kojoj se pripaja druga kreditna institucija ili druga pravna osoba, odnosno kreditne institucije koja nastaje spajanjem kreditnih institucija
7 Ownership structure of participants in the merger by acquisition /formation of a new credit institution for each participant in the merger by acquisition/formation of a new credit institution, provide a list of shareholders and the types of shares they hold, specifying the nominal amounts by share types, number of shares, the total amount by share types held by shareholders, and the percentage of the capital of the undertaking and of the voting rights (before and after the merger by acquisition/formation of a new credit institution)
7. Vlasnička struktura sudionika u pripajanju/spajanju kreditnih institucija za svakog sudionika u pripajanju ili spajanju potrebno je dostaviti popis dioničara i vrste dionica koje posjeduju, te navesti nominalne iznose po vrstama dionica, količine dionica i ukupan iznos po vrstama dionica koje dioničari posjeduju, te postotak u kapitalu društva i postotak udjela u glasačkim pravima (prije i poslije pripajanja/spajanja)
8 Data on shareholders - holders of qualifying holdings provide: for all participants, a certificate from the register of companies or other relevant register, in the form of an original or a certified copy; for all participants, a certificate from the register of shareholders (book of shares) or book of holdings, in the form of an original or a certified copy)
8. Podaci o dioničarima - imateljima kvalificiranih udjela dostaviti: izvadak iz sudskog ili drugog registra za sve sudionike, u izvorniku ili ovjerenu kopiju ispis iz registra dioničara(knjige dionica) ili knjige udjela za sve sudionike, u izvorniku ili ovjerenu kopiju
9 If a merger by acquisition of a legal person that is not a credit institution is requested by the application, provide financial statements for three business years (balance sheet and profit and loss account)
9. Ako se zahtjevom traži pripajanje pravne osobe koja nije kreditna institucija, potrebno je dostaviti revidirana financijska izvješća za tri poslovne godine (bilanca i račun dobiti i gubitka)
11 Proposed members of the supervisory board and the management board of the credit institution (this applies only in the case of a merger of credit institutions and formation of a new credit institution having a head office in the Republic of Croatia) enclose with the application for authorisation of a new credit institution which is formed as a result of a merger by formation of a new credit institution applications for prior approval for the appointment of the supervisory board members and the chairperson and management board members of the credit institution that is being established
11. Prijedlog članova nadzornog odbora i uprave kreditne institucije (samo pri spajanju kreditnih institucija i nastanku nove kreditne institucije sa sjedištem u RH) zahtjevu za izdavanje odobrenja za rad nove kreditne institucije koja nastaje spajanjem prilažu se i zahtjevi za izdavanje prethodne suglasnosti za imenovanje članova nadzornog odbora i predsjednika i članova uprave kreditne institucija koja se osniva
12 A detailed description of the planned merger by acquisition/formation of a new credit institution, including an explanation of the intended objectives and dynamics of implementation of the planned activities until the date the procedure is completed provide key reasons for the merger by acquisition/formation of a new credit institution, specifying the intended objectives which should not jeopardise the safety and stability of long-term operations of the new credit institution in a competitive environment
12. Detaljan opis planiranog pripajanja/spajanja, s obrazloženjem ciljeva koji se time žele postići, uključujući dinamiku realizacije planiranih aktivnosti zaključno s datumom okončanja postupka spajanja/pripajanja navesti ključne razloge za pripajanje/spajanje uz obrazloženje ciljeva koji se namjeravaju postići, a koji ne bi smjeli dovesti u pitanje sigurnost i stabilnost dugoročnog poslovanja nove kreditne institucije u konkurentnom okruženju
13 A description of the actions taken by the applicant before applying for authorisation to merge by acquisition/formation indicate all preparatory activities conducted before the application was submitted and provide: agreement on merger by acquisition/formation of a new credit institution; decisions of the general meetings of the participants; decisions on the appointment of the auditor for the merger by acquisition/formation of a new credit institution; report on the audit of the merger by acquisition/formation of a new credit institution showing the share exchange ratio
13. Opis radnja koje je podnositelj zahtjeva već poduzeo prije podnošenja zahtjeva za izdavanje odobrenja za pripajanje, odnosno spajanje nabrojiti sve pripremne aktivnosti koje su poduzete prije podnošenja zahtjeva, te dostaviti: ugovor o pripajanju/spajanju odluke gl. skupštine sudionika odluke o imenovanju revizora pripajanja/spajanja izvješće o obavljenoj reviziji pripajanja/spajanja iz kojeg će biti vidljiv omjer zamjene dionica
14 The estimated cost of implementation and the source of financing specify all expenses related to the merger by acquisition/formation of a new credit institution
14. Procijenjeni trošak realizacije i izvor financiranja navesti sve troškove vezane uz pripajanje/spajanje
15 Opinion on the impact of the planned merger by acquisition/formation of a new credit institution on the banking system and monetary policy of the Republic of Croatia and expectations regarding the market share describe the impact of the merger by acquisition/formation of a new credit institution on the banking system and monetary and lending policy of the Republic of Croatia and specify the market share that the new credit institution will have in the banking system of the Republic of Croatia
15. Mišljenje o utjecaju planiranog pripajanja/spajanja na bankovni sustav i monetarnu politiku RH te očekivanja u vezi s tržišnim udjelom opisati utjecaj pripajanja/spajanja na bankovni sustav i monetarno-kreditnu politiku RH te navesti tržišni udio koji će nova kreditna institucija imati u bankovnom sustavu RH
16 Business strategy of the credit institution in view of the objectives and expectations, define in detail the business strategy of the credit institution following a merger by acquisition/formation of a new credit institution in terms of services, activities, new products, target client groups and regional framework
16. Poslovna strategija kreditne institucije s obzirom na ciljeve i očekivanja potrebno je detaljno definirati strategiju poslovanja kreditne institucije nakon provedenog pripajanja/spajanja glede usluga, aktivnosti, novih proizvoda, ciljanih skupina klijenata, regionalnog okvira
17 Business plan of the credit institution to which another credit institution or other legal person is merged by acquisition, or of the credit institution formed by a merger by formation of a new credit institution, with the projections of financial statements (balance sheet, profit and loss account) for the next three years (five years would be desirable) provide projections of the balance sheet and profit and loss account for not less than three years, using the forms used for submitting supervisory reports to the Croatian National Bank; explain expectations regarding developments in total assets, capital, reserves, capital adequacy ratio, total income, total expenses, profit and risk profile of the credit institution
17. Poslovni plan kreditne institucije kojoj se pripaja druga kreditna institucija ili druga pravna osoba, odnosno koja nastaje spajanjem kreditnih institucija s projekcijama financijskih izvješća (bilanca, račun dobiti i gubitka) za iduće tri godine (poželjno pet godina) priložiti projekcije bilance i računa dobiti i gubitka za najmanje tri godine, na obrascima na kojima se dostavljaju nadzorna izvješća Hrvatskoj narodnoj banci potrebno je obrazložiti očekivanja vezana uz kretanje ukupne aktive, kapitala, rezervi i stope adekvatnosti jamstvenog kapitala, ukupne prihode, ukupne troškove, dobit te rizični profil kreditne institucije
18 Internal bylaws governing the business policies and procedures of the credit institution provide a plan of activities regarding the drafting of new or amending the existing internal bylaws of the credit institution in support of changes resulting from mergers by acquisition/formation of a new credit institution
18. Interni akti kojima su zacrtane politike i procedure poslovanja kreditne institucije dostaviti plan aktivnosti u vezi s izradom novih ili izmjenom postojećih internih akata kreditne institucije koji bi podržavali promjene zbog pripajanja/spajanja
19 Information technology of the credit institution describe IT of each participant in the merger by acquisition/formation of a new credit institution and specify and explain in detail the plan of activities in connection with system integration, etc.
19. Informatička tehnologija kreditne institucije opisati IT svakog sudionika u pripajanju/spajanju i navesti i obrazložiti detaljni plan aktivnosti vezanih uz integraciju sustava i sl.
20 Data on tangible assets of the credit institution specify if operations broadening will take place in own or rented space (indicating the size, equipment and protection) and describe plans regarding branch and operating unit network expansion
20. Podaci o materijalnoj imovini kreditne institucije navesti planira li se širiti poslovanje u vlastitim ili iznajmljenim prostorima (veličina, opremljenost, zaštita) te opisati planove u vezi s otvaranjem podružnica i poslovnica
21 Authorisation or opinion of the competent authority of the credit institution from another country if the participant in the merger by acquisition/formation of a new credit institution is a credit institution from another country, provide an authorisation or opinion of the competent supervisory authority regarding the intended merger by acquisition/formation of a new credit institution (or a statement by that body that such an authorisation is not required)
21. Odobrenje ili mišljenje nadležnog tijela kreditne institucije iz druge države ako je sudionik pripajanja/spajanja kreditna institucija iz druge države, potrebno je priložiti odobrenje ili mišljenje nadležnog nadzornog tijela o namjeravanom pripajanju/spajanju (odnosno izjavu tog tijela da takvo odobrenje nije potrebno)
SBRS-SREP-31072016
SBRS-PNPO-31072016
Supervisory Review and Evaluation Process (SREP)
Postupak nadzorne provjere i ocjene (SREP)
Scope of application of SREP
Područje primjene SREP-a
A credit institution, in accordance with Article 5, para. 1 of the Credit Institutions Act, may be established as a bank, a savings bank or a housing savings bank.
Hrvatska narodna banka obavlja superviziju svih kreditnih institucija u Republici Hrvatskoj na pojedinačnoj razini u skladu s člankom 180.
All credit institutions, in other words all banks, savings banks and housing savings banks, fall within the scope of the application of the supervisory review and evaluation process.
(Opseg supervizije kreditnih institucija) Zakona o kreditnim institucijama i člancima 1. i 2.
Category
Kategorija
Element
Element klasifikacije
OSIIs
OSII
systemic importance / size
sistemska važnost/veličina
> HRK 1.
> 1,5 mlrd.
5bn
HRK
size
veličina
housing savings banks
stambene štedionice
business model
poslovni model
The category from the previous table does not represent the risk profile of the institution but rather its classification upon which the Croatian National Bank decides on the scope and intensity of its supervisory engagement.
Kategorija iz prethodne tablice nije ocjena profila rizičnosti kreditne institucije, već klasifikacija na temelju koje Hrvatska narodna banka odlučuje o obuhvatu i intenzitetu supervizorskog angažmana.
The minimum supervisory engagement is defined as follows.
Minimalni supervizorski angažman definiran je kako slijedi
Assessment of all SREP elements (at least)
Procjena svih elemenata SREP-a (minimalno)
Summary of the overall SREP assessment
Sažetak cjelokupne SREP ocjene
Dialogue
Dijalog
1 Quarterly
Tromjesečno Godišnje Godišnje
Ongoing engagement with the CI's management body and senior management; engagement with the CI for assessment of each element
Kontinuirani angažman s upravljačkim tijelom i višim rukovodstvom kreditne institucije; angažman s kreditnom institucijom za procjenu svakog elementa.
Engagement with the CI's management body and senior management at least every 3 years
159/2013., 19/2015. i 102/2015.)
Individual risk assessment
Uredba (EU) br.
In the course of supervision of the credit institution's operation, the Croatian National Bank, in accordance with Article 180, para. 1 and 2, Article 181 of the Credit Institutions Act and Article 2 of the Decision on the method of exercising supervision of credit institutions and imposing supervisory measures, assesses the arrangements, strategies, policies, processes and procedures implemented by the institutions to comply with the legal requirements, and evaluates risks to which the institutions are or might be exposed, risks that an institution poses to the financial system taking into account the identification and measurement of systemic risk, and risks revealed by stress testing taking into account the nature, scale and complexity of an institution's activities.
Hrvatska narodna banka obavlja superviziju poslovanja kreditnih institucija nadzorom bonitetnom analizom (prikupljanjem i analizom izvješća i informacija, kontinuiranim praćenjem poslovanja kreditnih institucija i drugih osoba koje su prema odredbama Zakona o kreditnim institucijama i drugim propisima dužne izvještavati Hrvatsku narodnu banku, obavljanjem neposrednog nadzora nad poslovanjem kreditne institucije, nalaganjem supervizorskih mjera i izdavanjem mišljenja, odobrenja i suglasnosti te procjenjivanjem kreditne institucije u skladu sa Zakonom o kreditnim institucijama, Uredbom (EU) br.
For credit institutions in categories 1 and 2, the Croatian National Bank conducts a more comprehensive and granular risk assessment than for credit institutions in categories 3 and 4.
Pri procjenjivanju profila rizičnosti, a uzimajući u obzir tehničke kriterije za supervizorsku procjenu propisanu člankom 181.
In the assessment of the risk profile, and taking into account the technical criteria for supervisory review set out in Article 181 of the Credit Institutions Act, the Croatian National Bank at a minimum assesses and evaluates the following risks: credit risk, market risks, liquidity risk, interest rate risk in the non-trading book and operational risk.
Hrvatska narodna banka za ocjenu prethodno navedenih elemenata SREP-a upotrebljava raspon od 1 do 4, pri čemu ocjene u rasponu predstavljaju sljedeće:
The Croatian National Bank uses the following scores for SREP elements: 1 (no discernible risk)
1 (nema zamjetnog rizika)
2 (low risk)
2 (nizak rizik)
3 (medium risk)
3 (umjeren rizik)
4 (high risk).
4 (visok rizik).
Further, for the overall SREP score, an additional score 'F' is used to reflect the supervisory view that the CI is failing or likely to fail.
Dodatno, za cjelokupnu SREP ocjenu Hrvatska narodna banka primjenjuje i ocjenu "F", koja se dodjeljuje kreditnim institucijama za koje Hrvatska narodna banka ocjenjuje da propadaju ili je vjerojatno da će propasti.
Review and evaluation of ICAAP
SBRS-PNPO-31072016
Credit Institutions Act (OG 159/2013, 19/2015 and 102/2015) Decision on the internal capital adequacy assessment process for credit institutions (OG 20/2014)
- pregled postupka za provedbu ICAAP-a koji su institucije dužne primjenjivati