natgillin/translations-raw huggingface dataset:
Conversion also covers the consumers (CCA), as well as physical persons engaged in free professions, craftsmen, sole traders and holders of family farms (CIA).
Konverzijom su bili obuhvaćeni potrošači (ZPK), ali i fizičke osobe koje obavljaju djelatnost slobodnih zanimanja, obrtnici, trgovci pojedinci, nositelji obiteljskih poljoprivrednih gospodarstava (ZOKI).
Within 45 days of the entry into force of the CCA and CIA the creditors were required to deliver a loan conversion calculation to the consumers, as at 30 September 2015, by registered mail with return receipt, together with a proposal of the new of amended loan agreement.
Vjerovnici su bili dužni u roku od 45 dana od dana stupanja na snagu ZPK i ZOKI preporučenom pošiljkom uz povratnicu dostaviti potrošaču izračun konverzije kredita, sa stanjem na dan 30. rujna 2015., zajedno s prijedlogom novog ili izmijenjenog ugovora o kreditu.
Consumer was obliged to inform the creditor on the acceptance of conversion calculation, by registered mail with return receipt or in person, within 30 days of receipt thereof.
Potrošač je o prihvatu izračuna konverzije bio dužan preporučenom pošiljkom uz povratnicu ili osobno, obavijestiti vjerovnika u roku 30 dana od dana primitka izračuna konverzije kredita.
In 2015, profit and loss accounts of banks were strongly affected by legislative amendments aimed at facilitating the position of debtors with loans in Swiss franc and with foreign currency clause in Swiss franc, and their equalization with the position in which they would be if loans were in EUR.
Na račun dobiti i gubitka banaka u 2015. snažno su utjecale zakonske izmjene kojima je cilj bio olakšavanje položaja dužnika s kreditima u švicarskom franku i s valutnom klauzulom u švicarskom franku i njihovo izjednačavanje s položajem u kojem bi se našli da su bili korisnici kredita u eurima.
According to preliminary unaudited data for 2015, the banks recorded HRK 4.7 billion loss (before tax) and HRK 2.1 billion profit at the end of the previous year (Figure 3.6.1).
Prema privremenim nerevidiranim podacima za 2015. banke su zabilježile 4,7 milijardi kuna gubitka (prije poreza), dok su na kraju prethodne godine ostvarile 2,1 milijardi kuna dobiti (Slika 3.6.1.).
The charges for value adjustments and provisions had the strongest negative impact on the profit and loss account (and thus on the final result of bank operations), of which the most important are the costs of conversion amounting to HRK 6.8 billion at the end of the year.
Najsnažniji negativan utjecaj na račun dobiti i gubitka (a time i na konačni rezultat poslovanja banaka) imali su troškovi ispravaka vrijednosti i rezerviranja, od kojih najznačajniju stavku predstavljaju troškovi konverzije koji su na kraju godine iznosili 6,8 milijardi kuna.
The banks expressed the impact of conversion which represents the difference between the carrying value of outstanding principal of loans in Swiss francs and those by conversion process calculated in EUR, for the first time, on the date of conversion (30 September 2015).
Učinak konverzije banke su prvi puta iskazale na dan konverzije (30. rujna 2015.), a on predstavlja razliku knjigovodstvene vrijednosti preostale neotplaćene glavnice kredita u švicarskim francima i one postupkom konverzije izračunane u eurima.
Excluding the impact of these costs, the profit of banks would record a slight increase.
Isključi li se utjecaj tih troškova, dobit banaka bilježila bi blagi porast.
Figure 3.6.1
Slika 3.6.1.
Profit (loss) of banks, before taxation (at the end of the period)
Dobit (gubitak) banaka, prije poreza (na kraju razdoblja)
Application of legal provisions on conversion influenced the decrease of the banks total capital ratio, on the one hand by reducing the regulatory capital due to current year's loss, and on the other hand by increasing banks' exposure to currency risk as a result of currency position adjustment.
Primjena zakonskih odredbi o konverziji utjecala je na pad stope ukupnog kapitala banaka, s jedne strane smanjenjem regulatornog kapitala zbog gubitka tekuće godine, a s druge strane povećanjem izloženosti banaka valutnom riziku, kao posljedice prilagođavanja valutne pozicije.
However, the total capital ratio still remained high - at the end of 2015 amounted to 20.9%, which is by 0.8 percentage points less than at the end of 2014
No, stopa ukupnoga kapitala i dalje je ostala visoka - na kraju 2015. iznosila je 20,9% što je za 0,8 postotnih bodova manje negoli na kraju 2014.
(Figure 3.6.2).
(Slika 3.6.2.).
Figure 3.6.2
Slika 3.6.2.
Banks' total capital ratio (at the end of the period)
Stopa ukupnoga kapitala banaka (na kraju razdoblja)
Conversions had no significant impact on the quality of housing loans in 2015, due to relatively small realized amount of conversion at the end of the year.
Konverzije nisu imale značajniji utjecaj na kvalitetu stambenih kredita u 2015. godini, zbog relativno maloga realiziranog iznosa konverzije i to pri samome kraju godine.
The share of B and C group loans in total housing loans in Swiss francs (including loans in HRK with currency clause in Swiss francs) amounted to 16.5%.
Udio kredita skupina B i C u ukupnim stambenim kreditima u švicarskim francima (uključujući kredite u kunama s valutnom klauzulom u švicarskim francima) iznosio je 16,5%.
This indicator was significantly lower for HRK and EUR component (including loans in HRK with currency clause in EUR) and in this case amounted to 9.6% and 6.0%, respectively.
Osjetno niži taj je pokazatelj bio kod kunske i eurske komponente (uključujući kunske kredite s valutnom klauzulom u eurima), gdje je iznosio 9,6% odnosno 6,0%.
In HRK component the share of B and C groups decreased in comparison to the previous year, which was influenced by new lending activity and reduction of loans within the mentioned risk groups.
Kod kunske se komponente udio skupina B i C u odnosu na prethodnu godinu smanjio, na što je utjecala nova kreditna aktivnost, ali i smanjivanje kredita spomenutih rizičnih skupina.
Analysis and monitoring of trends in quality of housing loans will continue in 2016.
Analiza i praćenje kretanja kvalitete stambenih kredita nastavit će se i u 2016. godini.
In 2015, after several years of unfavorable trends, the level of non-performing placements was reduced (partly recoverable and fully irrecoverable placements) and off-balance sheet liabilities of banks primarily reflecting the increased activities of resolving claims with collection difficulties.
U 2015. godini, nakon višegodišnjeg nepovoljnog trenda, smanjila se razina loših plasmana (djelomično nadoknadivih i potpuno nenadoknadivih plasmana) i izvanbilančnih obveza banaka ponajprije kao odraz pojačanih aktivnosti rješavanja potraživanja s poteškoćama u naplati.
This interrupted the multi-annual negative growth of non-performing placements and their share was decreased for the first time after nine years.
Time je prekinut višegodišnji negativni rast loših plasmana te se njihov udio nakon devet godina rasta po prvi puta smanjio.
Compared to 2014, the amount of receivables sold significantly increased, which had a major impact on the reduction of partly recoverable and fully irrecoverable receivables, which were lower by 4.1%.
U odnosu na 2014. godinu iznos prodanih potraživanja osjetno je porastao, što je imalo ključan utjecaj na smanjenje djelomično nadoknadivih i potpuno nenadoknadivih potraživanja, koji su bili niži za 4,1%.
This reduced their share in the total exposure, from 12.3% to 11.9%.
Time se smanjio i njihov udio u ukupnoj izloženosti, s 12,3% na 11,9%.
Total credit risk exposure consists of placements (balance sheet items) and assumed off-balance sheet commitments.
Ukupna izloženost kreditnom riziku sastoji se od plasmana (bilančne stavke) i preuzetih izvanbilančnih obveza.
The mentioned financial assets include different instruments, such as loans, deposits, bonds and treasury bills while the assumed off-balance sheet guarantees that liabilities include framework and other loans.
Unutar spomenutih portfelja financijske imovine postoje različiti instrumenti, primjerice krediti, depoziti, obveznice, trezorski zapisi, a unutar preuzetih izvanbilančnih obveza garancije, okvirni krediti i drugo.
Placements and assumed off-balance sheet liabilities are classified into risk groups A (fully recoverable placements and assumed off-balance sheet liabilities), B (partially recoverable placements and assumed off-balance sheet liabilities) and C (fully irrecoverable placements and assumed off-balance sheet liabilities).
Plasmani i preuzete izvanbilančne obveze raspoređuju se u rizične skupine A (potpuno nadoknadivi plasmani i preuzete izvanbilančne obveze), B (djelomično nadoknadivi plasmani i preuzete izvanbilančne obveze) i C (potpuno nenadoknadivi plasmani i preuzete izvanbilančne obveze).
Risk group B consists of three sub-groups, depending on the amount of established loss:
Unutar rizične skupine B razlikuju se tri podskupine, ovisno o visini utvrđenog gubitka:
B-1 - loss of up to 30% of the receivable amount, B-2 - loss of more than 30% but not more than 70% of the receivable amount and B-3 - loss of more than 70% but less than 100% of the receivable amount.
B-1 - gubitak do 30% iznosa potraživanja, B-2 - gubitak veći od 30%, ali ne veći od 70% iznosa potraživanja i B-3 - gubitak veći od 70%, ali manji od 100% iznosa potraživanja.
Risk group C includes exposure with loss in the amount of 100% of the receivable amount.
U rizičnoj skupini C nalaze se izloženosti s gubitkom u visini od 100% iznosa potraživanja.
Box 3.6.1
Okvir 3.6.1.
Placements are divided into loan and receivables portfolio and into portfolio of financial assets held to maturity, with interest rate receivables and payables in a separate item (receivables on the basis of income).
Plasmani su podijeljeni u portfelj kredita i potraživanja te u portfelj financijske imovine koja se drži do dospijeća, pri čemu su potraživanja po kamatama i naknadama izdvojena u zasebnu stavku (potraživanja na osnovi prihoda).
The growth in share of partly recoverable and irrecoverable loans (risk categories B and C), started in 2008, terminated in 2015
Rast udjela djelomično nadoknadivih i nenadoknadivih kredita (rizična skupina B i C), započet 2008. godine, prekinut je u 2015.
(Figure 3.6.1).
(Slika 3.6.1.).
The share of mentioned risk groups was decreased from 17.1% at the end of 2014 to 16.6% at the end of 2015
Udio spomenutih rizičnih skupina smanjio se sa 17,1%, koliko je iznosio na kraju 2014., na 16,6% na kraju 2015.
(Figure 3.6.3).
(Slika 3.6.3.).
Implemented sales of group B and C loans had the key impact on these trends. However, it should be noted that, if we exclude the effects of sales, group B and C loans in the second half of 2015 would record stagnation.
Ključno su na ta kretanja utjecale provedene prodaje kredita skupina B i C. Međutim, potrebno je istaknuti da bi, ako se isključe učinci prodaja, krediti skupina B i C u drugoj polovici 2015. godine bilježili stagnaciju.
This was mainly caused by developments in the trading companies sector, as a result of increased efforts in resolving non-performing loans.
Ponajviše su za to bila zaslužna kretanja u sektoru trgovačkih društava, kao rezultat pojačanih napora u rješavanju nenaplativih kredita.
After several quarters of loans in risk groups B and C, their share in total loans of that sector was stabilized.
Nakon nekoliko tromjesečja stagnacije kredita rizičnih skupina B i C, njihov se udio u ukupnim kreditima tome sektoru stabilizirao.
On the other hand, in the population sector, which responded to the crisis later, the growth of share of B and C loans did not stop.
S druge strane, u sektoru stanovništva koji je kasnije reagirao na krizu, rast udjela B i C kredita nije zaustavljen.
Despite the nominal reduction of B and C level household loans, due to a significant decline in total household loans, the share of B and C loans in 2015 rose slightly from 12% at the end of 2014 to 12.1% at the end of 2015.
Naime, unatoč nominalnom smanjenju razine B i C kredita stanovništvu, zbog značajnijeg pada ukupnih kredita stanovništvu, udio B i C kredita je u 2015. godini blago porastao sa 12% na kraju 2014. godine na 12,1% na kraju 2015. godine.
Figure 3.6.4
Slika 3.6.4.
Growth rates of B and C loans at the end of the period (in %)
Stope rasta B i C kredita na kraju razdoblja (u %)
Share of partly recoverable and irrecoverable loans at end of the period
Udio djelomično nadoknadivih i nenadoknadivih kredita banaka na kraju razdoblja
The distribution of exposure by institutional sectors is conducted by the Croatian National Bank in accordance with the European System of Accounts 1995 (ESA 1995).
Raspored izloženosti po institucionalnim sektorima obavlja se u HNB-u u skladu s Europskim sustavom nacionalnih računa 1995 (ESA 1995).
The population includes households and non-profit institutions serving households.
Stanovništvo obuhvaća kućanstva i neprofitne ustanove koje služe kućanstvima.
As of 31 October 2013 the loan amount is reduced by the amount of unpaid remuneration (formerly recorded as deferred income in liabilities).
Od 31. listopada 2013. iznos kredita umanjuje se za iznos naplaćenih naknada (prije iskazivane kao odgođeni prihod u obvezama).
Data for 2015 are not audited.
Podaci za 2015. su nerevidirani.
In the trading companies sector B and C group loans decreased by 6.3%, which was mostly affected by sales of receivables and other factors, such as concluded pre-bankruptcy settlements and finalized bankruptcy proceedings.
U sektoru trgovačkih društava krediti skupina B i C smanjili su se za 6,3%, na što su najviše utjecale prodaje potraživanja, ali i drugi čimbenici, poput sklopljenih predstečajnih nagodbi i okončanih stečajeva.
In these proceedings the banks conducted partial debt write-off or remit and took over real property and other assets of clients.
U tim su procesima banke djelomice otpisivale odnosno otpuštale dugove te preuzimale nekretnine i drugu imovinu klijenata.
In addition, debt write-off, which was not related to pre-bankruptcy proceedings or sales, increased at the end of the year, and part of reduction came from improved creditworthiness of debtors, as indicated by reclassification of certain clients into a better risk group or group A (fully recoverable loans).
Osim toga krajem godine pojačao se otpis duga koji nije povezan sa predstečajnim ili stečajnim procesima te prodajama, a dio smanjenja došao je i od poboljšanja boniteta dužnika, na što upućuju reklasifikacije pojedinih klijenata u bolju rizičnu skupinu odnosno skupinu A (potpuno nadoknadivi krediti).
According to the Civil Obligations Act (Official gazette nos. 35/2005, 41/2008 and 78/2015), debt relief is one of the ways to terminate the obligation.
Prema Zakonu o obveznim odnosima (NN, br. 35/2005, 41/2008 i 78/2015), otpust duga jedan je od načina prestanka obveze.
The obligation terminates when the creditor declares to the debtor that he will not require its fulfillment, and the borrower agrees.
Ona prestaje kad vjerovnik izjavi dužniku da neće zahtijevati njezino ispunjenje, a dužnik se s tim suglasi.
In the population sector group B and C loans slightly decreased (0.6%), also primarily due to sales of receivables.
U sektoru stanovništva krediti skupina B i C blago su se smanjili (0,6%), također prvenstveno zahvaljujući prodajama potraživanja.
Regulations related to loans in CHF, which resulted in losses in banks' operations and will result in partial loan principal write-off, had no significant impact on the quality of housing loans due to relatively low realized amount at the end of the year (by the end of 2015 the amount of conversion was relatively low - the banks reported HRK 2.1 billion of loans generated by conversion, of which 97.1% of the amount related to housing loans and in this context the principal write-off in the amount of HRK 979.8 million was made at the expense of previously formed provisions).
Propisi vezani uz kreditiranje u CHF, koji su rezultirali gubicima u poslovanju banaka i rezultirat će otpisom dijela glavnice kredita, nisu imali značajniji utjecaj na kvalitetu stambenih kredita, zbog relativno maloga realiziranog iznosa i to pri samome kraju godine (do kraja 2015. godine proveden je relativno mali iznos konverzija - banke su iskazale 2,1 mlrd. kuna kredita nastalih konverzijom, od čega se 97,1% iznosa odnosilo na stambene kredite, a pritom je, na teret prethodno formiranih rezervacija, napravljen otpis glavnice u visini od 979,8 mil. kuna).
Furthermore, deterioration of the portfolio (of housing loans) continued somewhat more dynamic than in the previous year, with the largest contribution of CHF component, whereas the share of B and C group loans in total housing loans in CHF (including loans in HRK with currency clause in CHF) amounted to 16.5%.
Dapače, kvarenje portfelja (stambenih kredita) nastavljeno je nešto dinamičnije nego prethodne godine, čemu je najveći doprinos dala upravo komponenta u CHF pri čemu je udio kredita skupina B i C u ukupnim stambenim kreditima u CHF (uključujući kredite u kunama s valutnom klauzulom u CHF) iznosio 16,5%.
The growth of value adjustments for B and C group loans (Figure 3) continued and reflected in a noticeable increase of coverage of the said loans, despite the fact that sold receivables were highly covered by value adjustments.
Rast ispravaka vrijednosti za kredite skupina B i C (Slika 3) nastavio se i odrazio u zamjetljivom povećanju pokrivenosti spomenutih kredita, usprkos činjenici da su prodana potraživanja bila visoko pokrivena ispravcima vrijednosti.
Compared to the end of 2014, when it was 51.3%, the coverage increased by 5.3 percentage points and reached 56.6%.
U odnosu na kraj 2014. godine, kada je iznosila 51,3%, pokrivenost je porasla za 5,3 postotna boda te je dosegnula 56,6%.
Increased coverage of B and C loans by value adjustments was a consequence of growth of losses on these loans due to portfolio aging.
Povećanje pokrivenosti B i C kredita ispravcima vrijednosti posljedica je rasta gubitaka po tim kreditima, zbog starenja portfelja.
In addition, the impact of decline in the value of collateral, especially real property collateral, is also possible.
Osim toga, moguć je i utjecaj pada vrijednosti kolaterala, posebice onih nekretninskih.
Coverage was particularly increased in the trading companies sector, and the difference in the level of coverage for B group loans and C group loans in these two sectors continued to decrease.
Pokrivenost je osobito porasla u sektoru trgovačkih društava, pa se nastavila smanjivati razlika u razini pokrivenosti kod kredita skupina B i C tih dvaju sektora.
However, it still remained higher in population sector (59.6% compared to 54.9% in trading companies), due to significance of poorly secured loans, such as non-purpose cash loans and overdrafts, in which banks generally perform reclassification of receivables based on late payment days and increase vale adjustments.
No ona je i dalje ostala viša u sektoru stanovništva (59,6%, u odnosu na 54,9% kod trgovačkih društava), zbog značajnosti koju imaju slabije osigurani krediti, poput gotovinskih nenamjenskih kredita i prekoračenja po transakcijskim računima, gdje banke u pravilu na osnovi dana kašnjenja u naplati vrše reklasifikacije potraživanja i povećavaju ispravke vrijednosti.
Figure 3.6.5
Slika 3.6.5.
Coverage of partly recoverable and fully irrecoverable bank loans by value adjustments at the end of the period
Pokrivenost djelomično nadoknadivih i potpuno nenadoknadivih kredita banaka ispravcima vrijednosti na kraju razdoblja
In 2015 the amount of sold receivables significantly increased, mostly due to a large transaction of one bank in the last quarter of the year.
U 2015. godini osjetno je porastao iznos prodanih potraživanja, ponajviše zahvaljujući velikoj transakciji jedne banke u zadnjem tromjesečju godine.
During the year the banks sold a total of HRK 2.8 billion receivables (gross) of risk groups B and C, whose net book value amounted to HRK 396.7 million.
Banke su tijekom godine ukupno prodale 2,8 mlrd. kuna potraživanja (bruto) rizičnih skupina B i C, čija je neto knjigovodstvena vrijednost iznosila 396,7 milijuna kuna.
In addition, HRK 931.0 million of related of-balance sheet receivables, related to interests and other receivables, were sold.
Osim toga, prodano je i pripadajućih 931,0 mil. kuna izvanbilančnih potraživanja, koja su se odnosila na kamate te druga potraživanja.
Sales of receivables from trading companies dominated with almost two-thirds of the total amount, and buyers were mostly specialized debt collection houses.
Dominirale su prodaje potraživanja od trgovačkih društava, s gotovo dvije trećine ukupnoga iznosa, a kupci su najvećim dijelom bile specijalizirane kuće za naplatu potraživanja.
For comparative purpose, in 2014 the banks sold HRK 1.3 billion of receivables, of which approximately 60% of the amount referred to the population.
Usporedbe radi, u 2014. banke su prodale 1,3 mlrd. kuna potraživanja, pri čemu se oko 60% iznosa odnosilo na stanovništvo.
The majority of sales was executed by three banks.
Glavninu prodaja tada su obavile tri banke.
Portfolio aging, strengthened by the influence of the rules on gradual increase of value adjustments for receivables with long status of irregularities in repayment (adding 5% value adjustments every six months for receivables older than two years), led to a decline in the net book value of B and C risk group loans, which increased their attractiveness in the secondary market.
Starenje portfelja, ojačano utjecajem pravila o postupnom povećavanju ispravaka vrijednosti za potraživanja s dugim statusom neurednosti u otplati (dodavanje 5% ispravaka vrijednosti svakih šest mjeseci za potraživanja starija od dvije godine), utjecalo je na pad neto knjigovodstvene vrijednosti kredita rizičnih skupina B i C, čime je porasla njihova atraktivnost na sekundarnom tržištu.
Sales generally generated income to the banks (due to sales at prices higher than net book value and receivables in the balance sheet), but also caused stabilization of the level of bad receivables, which could have a positive impact on credit growth possibilities.
Prodaje su bankama u pravilu donijele prihod (zbog prodaja po cijenama većim od neto knjigovodstvene vrijednosti potraživanja u bilanci), ali i stabilizaciju razine loših potraživanja, što bi moglo povoljno utjecati na mogućnosti kreditnoga rasta.
In earlier periods the banks suffered losses based on these receivables, so their overall influence of banks' operations was unfavorable.
U ranijim razdobljima banke su po tim potraživanja pretrpjele gubitke pa je njihov ukupan utjecaj na poslovanje banaka nepovoljan.
Regarding the improvement in management of the Croatian Bank for Reconstruction and Development, the obligation of conducting independent asset quality review (AQR) of the bank's loan portfolio in the second quarter of 2017 based on data from 2016 was established.
Što se tiče poboljšanja upravljanja nad Hrvatskom bankom za obnovu i razvitak (HBOR), utvrđena je obveza provođenja neovisnog asset quality review-a (AQR) nad kreditnim portfeljom banke u drugom kvartalu 2017. na temelju podataka iz 2016.
Based on AQR data and findings, it will be determined whether the management of the Croatian Bank for Reconstruction and Development is adequately regulated.
Na temelju podataka i nalaza AQR-a utvrdit će se da li je upravljanje HBOR-om adekvatno uređeno.
In this sense, the Republic of Croatia whishes to improve the management process in the Croatian Bank for Reconstruction and Development, since the Croatian Bank for Reconstruction and Development has an important role in achieving the objectives of balanced economic and social development aligned with strategic objectives of the Republic of Croatia.
U tom smislu Republika Hrvatska želi unaprijediti proces upravljanja HBOR-om, s obzirom na važnost HBOR-a kao razvojne banke u postizanju ciljeva ujednačenog ekonomskog i društvenog razvoja usklađenog sa strateškim ciljevima Republike Hrvatske.
At the same time, each improvement of the management system will be focused on strengthening the reputation of the Croatian Bank for Reconstruction and Development.
Ujedno svako unaprjeđenje sustava upravljanja bit će usmjereno na jačanje ugleda HBOR-a.