natgillin/translations-raw huggingface dataset:
In its comments on the Commission's opening decision, Latvia notes that measures 1, 2, 3 and 6 were interdependent and that they derive from the Agreement, thus constituting essentially one and the same financial transaction which must be assessed at the time when the Agreement was entered into, i.e. 3 October 2011.
U svojim primjedbama na odluku Komisije o pokretanju postupka, Latvija primjećuje da su 1., 2., 3. i 6. mjera međuovisne i da proizlaze iz Sporazuma te tako čine istu financijsku transakciju koja se mora ocjenjivati u trenutku kada je sklopljen sporazum, odnosno 3. listopada 2011.
On this basis, Latvia concludes that these measures are concomitant and MEIP-conform, thereby excluding state aid.
Na osnovu toga, Latvija zaključuje da su te mjere istovremene i u skladu s MEIP-om i stoga ne predstavljaju državnu potporu.
Concerning measure 3, the Latvian authorities argue that the conversion into capital of the first State loan and the first tranche of the second State loan was done on the basis of the concomitant decision by BAS to convert the BAS loan and to inject LVL 37,7 million (EUR 53,38 million) in cash, reached at airBaltic's shareholders meeting of 22 December 2011.
U odnosu na 3. mjeru, latvijska nadležna tijela tvrde da je konverzija prvog državnog zajma i prvog obroka drugog državnog zajma u kapital izvršena na temelju odluke BAS-a da pretvori zajam BAS-a i uloži 37,7 milijuna LVL (53,38 milijuna EUR) u gotovini, koja je donesena na sastanku dioničara društva airBaltic održanom 22. prosinca 2011.
The Latvian authorities reiterate that measures 1, 2 and 3 should not be assessed in isolation but only in conjunction with the wider transaction they form an inseparable part of.
Latvijska nadležna tijela ponavljaju da se 1., 2. i 3. mjera ne bi trebale ocjenjivati zasebno već samo zajedno sa širom transakcijom čiji su neodvojivi dio.
Latvia further argues that the fact that BAS did not fulfil its commitment within the maximum deadline (i.e. 30 January 2012) is irrelevant and that the State had no option but to convert the first State loan and the first tranche of the second State loan into capital — it did so on 29 December 2011.
Latvija zatim tvrdi da činjenica da BAS nije ispunio svoju obvezu u roku (tj. do 30. siječnja 2012.) nije važna i da država nije mogla učiniti ništa drugo nego pretvoriti prvi državni zajam i prvi obrok drugog državnog zajma u kapital – što je učinila 29. prosinca 2011.
Moreover, Latvia explains that the State took all possible steps towards forcing BAS to fulfil its commitment.
Osim toga, Latvija objašnjava da je država poduzela sve moguće korake da prisili BAS da ispuni svoju obvezu.
This document identified some of the weaknesses of airBaltic and established that EUR [175 — 185] million in capital were needed. This first version of the plan evolved into the reShape plan of March 2012, which according to Latvia was a preliminary step to the restructuring plan submitted in December 2013.
U tom su dokumentu utvrđeni neki nedostaci društva airBaltic i navedeno je da je potreban kapital od [175 – 185] milijuna EUR. Prva se verzija plana razvila u plan reShape iz ožujka 2012. koji je, prema Latviji, bio prvi korak prema planu restrukturiranja koji je podnesen u prosincu 2013.
As regards the restoration of airBaltic's viability, the plan expects that with these initiatives the company will break-even in 2014 and remain profitable thereafter, with EBIT reaching LVL [1 — 3] million (EUR [1,4 — 4,2] million) in 2014 and LVL [9 — 12] million (EUR [12,8 — 17] million) in 2016.
U pogledu obnove održivosti društva airBaltic, u planu se očekuje da će pomoću tih inicijativa društvo 2014. ostvariti točku pokrića i nakon toga ostati profitabilno s EBIT-om od [1 – 3] milijuna LVL ([1,4 – 4,2] milijuna EUR) 2014. i [9 – 12] milijuna LVL ([12,8 – 17] milijuna EUR) 2016.
The restructuring plan also includes revised financial forecasts on the basis of realistic, pessimistic and optimistic scenarios, which are subject to a sensitivity analysis in order to assess the risks and their possible impact.
Plan restrukturiranja također uključuje revidirana financijska predviđanja na temelju realističnih, pesimističkih i optimističkih scenarija, koji su podložni analizi osjetljivosti u cilju procjene rizika i njihovog mogućeg učinka.
In view of total restructuring costs, the proposed own contribution of airBaltic according to the restructuring plan amounts to LVL [100 — 110] million (EUR [141 — 155] million), i.e. [60 — 70] % of the total restructuring costs.
U odnosu na ukupne troškove restrukturiranja, predloženi vlastiti doprinos društva airBaltic prema planu restrukturiranja iznosi [100 – 110] milijuna LVL ([141 – 155] milijuna EUR), odnosno [60 – 70] % ukupnih troškova restrukturiranja.
According to the restructuring plan, the own contribution would results from several injections from private parties (including a liquidity facility and advance payments), private loans, a lease agreement for new aircraft and a partial write-off of debt with two banks.
Prema planu restrukturiranja, doprinos iz vlastitih sredstava bio bi rezultat nekoliko injekcija privatnih stranaka (uključujući instrument za likvidnost i plaćanja predujma), privatnih zajmova, ugovora o najmu novih zrakoplova i djelomičnog otpisa duga s dvije banke.
However, in 2010, airBaltic once again incurred losses, of LVL 34,2 million (EUR 48,42 million), which increased to LVL 84,7 million (EUR 119,2 million) in 2011.
Međutim, airBaltic je 2010. opet imao gubitke u iznosu od 34,2 milijuna LVL (48,42 milijuna EUR), koji su se povećali na 84,7 milijuna LVL (119,2 milijuna EUR) u 2011.
The Commission recalls that the Latvian Minister of Economy stated in June 2011 that airBaltic was close to bankruptcy [28], while the press reported that the company filed for legal protection from its creditors on 21 September 2011 [29].
Komisija podsjeća da je latvijski ministar gospodarstva u lipnju 2011. izjavio da je društvo airBaltic pred stečajem [28], a novine su izvijestile da je društvo zatražilo pravnu zaštitu od svojih vjerovnika 21. rujna 2011. [29].
In accordance with that provision, a firm may be considered to be in difficulty ‘where the usual signs of a firm being in difficulty are present, such as increasing losses, diminishing turnover, growing stock inventories, excess capacity, declining cash flow, mounting debt, rising interest charges and falling or nil net asset value’.
U skladu s tom odredbom, može se smatrati da je poduzeće u teškoćama „ako su prisutni uobičajeni znakovi poduzeća u teškoćama, kao primjerice povećavanje gubitaka, smanjenje prometa, rast zaliha, višak kapaciteta, smanjenje novčanih tokova, rast duga, rast troškova kamata i pad ili nulta neto vrijednost imovine”.
From the table above it emerges clearly that airBaltic has been loss-making since 2008 (with the exception of 2009).
Iz prethodne tablice može se jasno zaključiti da je airBaltic ostvarivao gubitke od 2008. (osim u 2009.).
Finally, the Commission reiterates the finding in the opening decision that the losses of airBaltic were of such magnitude that in 2010 its negative equity amounted to approximately LVL 23,3 million (EUR 32,99 million), which increased to approximately LVL 105,6 million (EUR 149,51 million) due the additional losses incurred in 2011.
Konačno, Komisija ponavlja nalaz iz odluke o pokretanju postupka da su gubici društva airBaltic bili toliki da je u 2010. njegov negativan vlasnički kapital iznosio oko 23,3 milijuna LVL (32,99 milijuna EUR) te se zbog dodatnih gubitaka u 2011. povećao na otprilike 105,6 milijuna LVL (149,51 milijun EUR).
Considering all of the factors mentioned above, it appears that the criteria in point 11 of the R&R Guidelines are met.
Uzimajući u obzir sve prethodno navedene čimbenike, čini se da su ispunjeni kriteriji iz točke 11. Smjernica za sanaciju i restrukturiranje.
In this respect, the Commission observes that Article 7.1 of the Agreement states that the foreseeable equity increase (resulting from capitalisation of the first and second State loans and the BAS loan, together with an additional cash contribution from BAS) would not exceed LVL 100 million (EUR 141,58 million).
U tom pogledu Komisija primjećuje da je u članku 7. stavku 1. Sporazuma navedeno da predviđeno povećanje vlasničkog kapitala (kao rezultat kapitalizacije prvog i drugog državnog zajma i zajma BAS-a, zajedno s dodatnim doprinosom BAS-a u gotovini) neće prelaziti 100 milijuna LVL (141,58 milijuna EUR).
However, the following points should be noted.
Međutim, treba napomenuti sljedeće.
The assignment of the claims of private investors to the State was a mere eventuality subject to BAS not fulfilling its obligations under the Agreement, something which was not known and which there was no reason to suspect on 3 October 2011.
Ustupanje potraživanja ulagača u tržišnom gospodarstvu državi bilo je posljedica toga što BAS nije ispunio svoje obveze iz Sporazuma, a to nije bilo poznato i nije bilo razloga na to sumnjati 3. listopada 2011.
For this reason, measure 6 cannot be considered as having been granted at the moment the Agreement was signed and cannot therefore be considered as pari passu with the first State loan and the BAS loan.
Iz toga razloga 6. mjera ne može se smatrati odobrenom u trenutku potpisivanja Sporazuma i stoga se ne može smatrati a pari passu prvom državnom zajmu i zajmu BAS-a.
During the course of the formal investigation procedure, Latvia submitted evidence regarding the value of the collateral (trademarks and receivables) which was assessed by the independent auditor […] as part of an audit of the company initiated in the summer of 2011.
Tijekom formalnog istražnog postupka, Latvija je dostavila dokaze o vrijednosti jamstva (žigovi i potraživanja) koju je ocijenio neovisni revizor […] u okviru revizije društva koja je pokrenuta u ljeto 2011.
As the receivables (as of 30 September 2011) were part of the relevant financial information, they were also subject to evaluation by […].
Budući da su potraživanja (od 30. rujna 2011.) bila dio relevantnih financijskih informacija, također su bila predmet evaluacije […].
As explained in recital 39 above, airBaltic submitted three payment orders to Latvijas Krājbanka prior to the decisions of the FCMC of 17 November 2011 to limit banking operations above EUR 100,000 and of 21 November 2011 to halt all operations of Latvijas Krājbanka.
Kako je objašnjeno u prethodnoj uvodnoj izjavi 39., društvo airBaltic podnijelo je tri naloga za plaćanje banci Latvijas Krājbanka prije odluka FCMC-a od 17. studenoga 2011. u cilju ograničenja bankarskih operacija iznad 100000 EUR i zaustavljanja svih operacija banke Latvijas Krājbanka 21. studenoga 2011.
Latvia considers that no State resources were involved given that the operations concerned three payment orders of airBaltic to IATA Clearing House, Riga International Airport and an alternative bank account of airBaltic in a different bank (see recital 39 above).
Latvija smatra da se nije radilo o državnim sredstvima jer su se operacije odnosile na tri platna naloga društva airBaltic društvu IATA Clearing House, zračnoj luci u Rigi i na alternativni bankovni račun društva airBaltic u drugoj banci (vidjeti prethodnu uvodnu izjavu 39.).
These were, according to Latvia, mere common banking operations concerning private funds of airBaltic.
Prema Latviji, to su bile uobičajene bankarske transakcije s privatnim sredstvima društva airBaltic.
Latvia also argues that the decisions of the FCMC were not imputable to the State.
Latvija također tvrdi da se odluke FCMC-a ne mogu pripisati državi.
In particular, Latvia provided an updated restructuring plan in December 2013, complemented by submissions of 28 January, 28 February and 24 March 2014.
Latvija je posebno dostavila ažurirani plan restrukturiranja u prosincu 2013. nadopunjen podnescima od 28. siječnja, 28. veljače i 24. ožujka 2014.
Latvia notes that the restructuring of airBaltic started on 18 April 2011, when a first plan was submitted to the company's management.
Latvija napominje da je restrukturiranje društva airBaltic započelo 18. travnja 2011. kada je upravi društva dostavljen prvi plan.
The 2011 plan was updated in the form of the reShape plan, referred to above and formally adopted during the first quarter of 2012.
Plan iz 2011. ažuriran je u obliku plana reShape koji je prethodno spomenut i formalno donesen u prvom tromjesečju 2012.
As noted in recital 164 above, the Latvian authorities submitted a restructuring plan to the Commission in December 2013, updating the reShape plan.
Kako je navedeno u prethodnoj uvodnoj izjavi 164., latvijska su nadležna tijela dostavila plan restrukturiranja Komisiji u prosincu 2013., ažurirajući plan reShape.
The restructuring plan covers a 5-year restructuring period starting in April 2011 and assumes a return of airBaltic to long-term viability by April 2016 at the latest, although according to the base-case scenario, airBaltic is expected to return to profitability in 2014.
Planom restrukturiranja obuhvaćeno je razdoblje restrukturiranja u trajanju od 5 godina počevši od travnja 2011. i u njemu se pretpostavlja da će airBaltic postati ponovno održiv najkasnije do travnja 2016., iako se prema scenariju osnovnog slučaja očekuje da će airBaltic postati profitabilan u 2014.
The duration of the restructuring is thus of a maximum of 5 years, in line with previous case practice in the passenger air transport sector [38].
Plan restrukturiranja može trajati najduže 5 godina u skladu s prethodnom praksom u sektoru putničkog zračnog prometa [38].
By the end of 2014, airBaltic will operate 25 aircraft and it will continue at this level until the end of the restructuring period in 2016.
Do kraja 2014. airBaltic imat će 25 zrakoplova i nastavit će tako raditi do kraja razdoblja restrukturiranja u 2016.
In overall terms, there will be a 27 % reduction of the aircraft fleet during the restructuring period.
Općenito će se flota smanjiti za 27 % za vrijeme razdoblja restrukturiranja.
It is expected that the company will break-even in 2014 and will remain profitable thereafter, with EBIT reaching LVL [1 — 3] million (EUR [1,4 — 4,2] million) in 2014 and LVL [9 — 12] million (EUR [12,8 — 17] million) in 2016.
Očekuje se da će društvo u 2014. ostvariti točku pokrića i nakon toga će biti profitabilno s EBIT-om od [1 – 3] milijuna LVL ([1,4 – 4,2] milijuna EUR) u 2014. i [9 – 12] milijuna LVL ([12,8 – 17] milijuna EUR) u 2016.
The return on equity (ROE) is expected to reach [3 — 6] % by 2014 and [18 — 21] % by 2016.
Očekuje se da će povrat na kapital (ROE) iznositi [3 – 6] % do 2014. i [18 – 21] % do 2016.
For instance, the realistic scenario assumes a market growth of [6 — 8] %, while it limits the growth of airBaltic to [1 — 3] % in 2014 and to [2 — 4] % in 2015 and 2016, with an inflation rate of [1 — 3] % per year and increasing fuel costs, passing from [950 — 1000] USD/t in 2014 to [1000 — 1050] USD/t in 2016.
Na primjer, u realističnom scenariju pretpostavlja se rast tržišta od [6 – 8] %, ali se rast društva airBaltic ograničava na [1 – 3] % u 2014. i na [2 – 4] % u 2015. i 2016., sa stopom inflacije od [1 – 3] % godišnje i rastućim troškovima goriva, koji će narasti s [950 – 1000] USD/t u 2014. na [1000 – 1050] USD/t u 2016.
The load factor ranges from [69 — 71] % in 2014 to [71 — 75] % in 2016.
Čimbenik opterećenja iznosi od [69 – 71] % u 2014. do [71 – 75] % u 2016.
In this scenario, the implementation of the initiatives will allow airBaltic to break even in 2014 (with EBIT of LVL [1 — 3] million (EUR [1,4 — 4,2] million)), while the company will remain profitable thereafter, with EBIT of LVL [6 — 9] million (EUR [8,5 — 12,8] million) in 2015 and of LVL [9 — 12] million in 2016 (EUR [12,8 — 17] million).
U tom će scenariju provedbom inicijativa airBaltic ostvariti točku pokrića u 2014. (s EBIT-om od [1 – 3] milijuna LVL (1,4 – 4,2] milijuna EUR)) i nakon toga će ostati profitabilan, s EBIT-om od [6 – 9] milijuna ([8,5 – 12,8] milijuna EUR) u 2015. i [9 – 12] milijuna LVL u 2016. (EUR [12,8 – 17] milijuna EUR).
The Commission has assessed the restructuring plan and is of the view that it should enable airBaltic to achieve the expected return to long-term viability by April 2016 at the latest.
Komisija je ocijenila plan restrukturiranja i smatra da bi trebala omogućiti društvu airBaltic da ostvari očekivanu dugoročnu održivost najkasnije do travnja 2016.
The restructuring plan includes a detailed assessment of the circumstances leading to the difficulties of airBaltic, which are duly addressed as a result of the restructuring measures in the form of revenue and costs initiatives as well as initiatives in the area of network reconfiguration and fleet renewal.
Plan restrukturiranja uključuje detaljnu ocjenu okolnosti u kojima su nastale poteškoće društva airBaltic koje su uklonjene mjerama restrukturiranja u obliku inicijativa usmjerenih na prihode i troškove te inicijativa u području rekonfiguracije mreže i obnove flote.
This amount includes LVL […] million (EUR […] million) in the form of a liquidity facility granted by […] in March and May 2011 for the purchase of spare parts from airBaltic; LVL […] million (EUR […] million) and LVL […] million (EUR […] million) of advance payments into the equity of airBaltic respectively made by […] and […]; and LVL [6 — 8] million (EUR [8,5 — 12,3] million) from Transatlantic Holdings deriving from a share purchase agreement.
Taj iznos uključuje […] milijun LVL ([…] milijuna EUR) u obliku instrumenta za likvidnost koji je odobrio […] u ožujku i svibnju 2011. za kupnju rezervnih dijelova od društva airBaltic; […] milijuna LVL ([…] milijuna EUR) i […] milijuna LVL ([…] milijuna LVL) plaćanja predujmova u vlasnički kapital društva airBaltic koje su izvršili […] i […]; i [6 – 8] milijuna LVL ([8,5 – 12,3] milijuna EUR) od Transatlantic Holdings koji proizlaze iz ugovora o kupnji dionica.
Private loans of LVL [20 — 30] million (EUR [28,4 — 42,6] million) granted by BAS after the Agreement, namely the BAS loan (LVL 14 million (EUR 19,82 million)) and a vendor loan of LVL [5 — 15] million (EUR [7,1 — 21,3] million) for the repurchase of trademarks.
Privatni zajmovi u iznosu do [20 – 30] milijuna LVL ([28,4 – 42,6] milijuna EUR) koje je odobrio BAS nakon Sporazuma, u prvom redu zajam BAS-a (14 milijuna LVL (19,82 milijuna EUR)) i zajam kupca od [5 – 15] milijuna LVL ([7,1 – 21,3] milijuna EUR) za ponovnu kupnju žigova.
Regarding the private financial injections mentioned in point (i) above, Latvia has demonstrated that BAS made advance payments into the equity of the company of LVL [7 — 9] million (EUR [10 — 13] million) between June and July 2011.
U odnosu na injekcije privatnog kapitala navedene u prethodnoj točki i., Latvija je pokazala da je BAS izvršio uplate predujmova u vlasnički kapital društva u iznosu od [7 – 9] milijuna LVL ([10 – 13] milijuna EUR) između lipnja i srpnja 2011.
The Commission is of the view that these payments constitute an own contribution within the meaning of point 43 of the R&R Guidelines, since BAS was a private market operator and the Commission has no reasons to consider that it was not acting in accordance with market logic.
Komisija smatra da ta plaćanja predstavljaju doprinos iz vlastitih sredstava u smislu točke 43. Smjernica za sanaciju i restrukturiranje jer je BAS bio subjekt u tržišnom gospodarstvu i Komisija nema razloga smatrati da nije djelovao u skladu s tržišnom logikom.
ASK stands for available seat kilometre (seats flown multiplied by the number of kilometres flown). ASK is the most important capacity indicator of an airline as employed by the air transport industry and by the Commission itself in previous restructuring cases in the air transport sector.
ASK su dostupna sjedala po kilometru (sjedala pomnožena s brojem prelećenih kilometara) ASK je najvažniji pokazatelj kapaciteta zrakoplovnog prijevoznika kojeg su primjenjivale industrija zračnog prijevoza i Komisija u prethodnom slučajevima restrukturiranja u sektoru zračnog prijevoza.
Commission Decision (EU) 2015/1092
Odluka Komisije (EU) 2015/1092
on the State aid SA.34824 (2012/C), SA.36007 (2013/NN) SA.36658 (2014/NN), SA.37156 (2014/NN), SA.34534 (2012/NN) implemented by Greece for National Bank of Greece Group related to:
o državnoj potpori SA.34824 (2012/C), SA.36007 (2013/NN) SA.36658 (2014/NN), SA.37156 (2014/NN), SA.34534 (2012/NN) koju je provela Grčka za grupu National Bank of Greece Group u pogledu:
Recapitalisation and restructuring of National Bank of Greece S.A.,
dokapitalizacije i restrukturiranja banke National Bank of Greece S.A.;
Resolution of First Business Bank S.A. through a transfer order to National Bank of Greece S.A.,
sanacije banke First Business Bank S.A. nalogom za prijenos na banku National Bank of Greece S.A.;
Resolution of Probank S.A. through a transfer order to National Bank of Greece S.A.,
sanacije banke Probank S.A. nalogom za prijenos na banku National Bank of Greece S.A.;
Resolution of Cooperative Bank of Lesvos-Limnos, Cooperative Bank of Achaia, and Cooperative Bank of Lamia
sanacije banaka Cooperative Bank of Lesvos-Limnos, Cooperative Bank of Achaia i Cooperative Bank of Lamia;
(notified under document C(2014) 5201)
(priopćeno pod brojem dokumenta C(2014) 5201)
PROCEDURE RELATED TO THE NATIONAL BANK OF GREECE GROUP [1] (‘THE BANK’).
POSTUPAK POVEZAN S GRUPOM NATIONAL BANK OF GREECE GROUP [1] („BANKA”).
By decision of 19 November 2008 the Commission approved a scheme entitled ‘Support Measures for the Credit Institutions in Greece’ (the ‘Greek Banks Support Scheme’) designed to ensure the stability of the Greek financial system.
Komisija je odlukom od 19. studenoga 2008. odobrila program pod nazivom „Mjere potpore za kreditne institucije u Grčkoj” („program potpore grčkim bankama”) namijenjen osiguranju stabilnosti grčkoga financijskog sustava.
The Greek Banks Support Scheme allows for aid to be granted under its three constituent measures, a recapitalisation measure, a guarantee measure and a government bond loan measure [2].
Programom potpore grčkim bankama omogućuje se dodjeljivanje potpore u okviru njegovih triju mjera: mjere dokapitalizacije, mjere osiguranja jamstva i mjere zaduživanja izdavanjem državnih obveznica [2].
In May 2009, the Bank was recapitalised under the recapitalisation measure of the Greek Banks Support Scheme.
U svibnju 2009. Banka je dokapitalizirana u okviru mjere dokapitalizacije iz programa potpore grčkim bankama.
The Commission registered that plan, its subsequent updates as well as additional information submitted by the Greek authorities as Case SA.30342 (PN 26/10) and then Case SA.32788 (11/PN).
Komisija je taj plan i njegove naknadne izmjene te dodatne informacije koje su dostavila grčka nadležna tijela evidentirala kao predmet SA.30342 (PN 26/2010) i zatim kao predmet SA.32788 (2011/PN).
In December 2011, the Bank was again recapitalised by Greece under the recapitalisation measure.
U prosincu 2011. Grčka je ponovno dokapitalizirala Banku u okviru mjere dokapitalizacije.
On 22 December 2011, the Commission approved the second recapitalisation of the Bank [3].
Komisija je 22. prosinca 2011. odobrila drugu dokapitalizaciju Banke [3].
The Bank has repeatedly benefited from State guarantees on debt instruments and government bond loans under the Greek Banks Support Scheme [4].
Banka je u više navrata ostvarivala korist od državnih jamstava za dužničke instrumente i zaduživanja izdavanjem državnih obveznica u okviru programa potpore grčkim bankama [4].
On 18 March 2012, the Bank of Greece proceeded with the withdrawal of the licenses of three Cooperative Banks (‘the three Cooperative Banks’), namely the Cooperative Bank of Lesvos-Limnos (‘Lesvos-Limnos Bank’), the Cooperative Bank of Achaia (‘Achaia Bank’) and the Cooperative Bank of Lamia (‘Lamia Bank’) and put them into liquidation.
Grčka središnja banka 18. ožujka 2012. pokrenula je oduzimanje dozvola trima zadružnim bankama („tri zadružne banke”), i to banci Cooperative Bank of Lesvos-Limnos („banka Lesvos-Limnos”), banci Cooperative Bank of Achaia („banka Achaia”) i banci Cooperative Bank of Lamia („banka Lamia”) te pokrenula postupak likvidacije.