natgillin/translations-raw huggingface dataset:
By doing so, the Croatian National Bank ensures transparency of its decision-making in connection with acquisitions of qualifying holdings. 
Navedenim postupanjem, osigurava se transparentnost postupanja Hrvatske narodne banke kod donošenja odluke o stjecanju kvalificiranog udjela.
Should KBC submit a request for acquisition of a qualifying holding in HVB Splitska banka d.d. Split, the Croatian National Bank would be obligated to apply the aforementioned legal provisions and ensure the same treatment as in any other case. 
Dakle, u slučaju da KBC podnese zahtjev za stjecanje kvalificiranog udjela u HVB Splitskoj banci d.d. Split, Hrvatska narodna banka dužna je primijeniti navedene zakonske odredbe i osigurati postupanje jednako kao i u bilo kojem drugom slučaju.
It is beyond question that in the course of its actions the Croatian National Bank has to adhere to clear and unequivocal provisions of the Banking Act as regards decision-making in connection with its approvals for acquisition of qualified holdings, and it is equally undisputable that the Croatian National Bank has the legal right to determine whether any of the reasons referred to in Article 21, paragraph 2 of the same Act exist. 
Međutim, kako je neupitno da se Hrvatska narodna banka mora u svom postupanju pridržavati jasnih i nedvosmislenih odredaba Zakona o bankama u odnosu na odlučivanje o suglasnosti za stjecanje kvalificiranog udjela, jednako tako je nesporno da Hrvatska narodna banka ima zakonsko pravo ocijeniti postoje li neki od razloga navedenih u članku 21. stavak 2. istog Zakona.
As part of the possible procedure of deciding on the application for acquisition of a qualifying holding by KBC, the Croatian National Bank would start from the following facts: 
U eventualnom postupku odlučivanja o zahtjevu za stjecanje kvalificiranog udjela od strane KBC-a, Hrvatska narodna banka pošla bi od slijedećih činjenica:
KBC Bank is a part of the KBC Group; 
KBC Bank dio je KBC Group-e
KBC Bank acquired 34% of shares of Nova Ljubljanska banka d.d. Ljubljana in 2002; 
KBC Bank je 2002, godine stekla 34% dionica Nove Ljubljanske banke d.d. Ljubljana
KBC appointed 4 members to the Supervisory Board of Nova Ljubljanska banka d.d. Ljubljana of the total number of 11 Supervisory Board Members; 
KBC Bank je u nadzorni odbor Nove Ljubljanske banke d.d. Ljubljana imenovao 4 predstavnika od ukupno 11 članova Nadzornog odbora
35.41% of shares of Nova Ljubljanska banka d.d. Ljubljana is owned by the Republic of Slovenia; 
35,41% dionica Nove Ljubljanske banke d.d. Ljubljana u vlasništvu je Republike Slovenije
the existence of the debt of Ljubljanska banka d.d. Ljubljana towards depositors from the Republic of Croatia. 
postojanje duga Ljubljanske banke d.d. Ljubljana prema štedišama s područja Republike Hrvatske.
The fact that there is a debt of Ljubljanska banka d.d. Ljubljana towards depositors from Republic of Croatia, which is deemed extremely important by the Croatian National Bank, can be summarised as follows: 
Činjenicu postojanja duga Ljubljanske banke d.d. Ljubljana prema štedišama s područja Republike Hrvatske a koja u procjeni Hrvatske narodne banke ima izrazitu važnost, ukratko obrazlažemo navođenjem slijedećim okolnosti.
Ljubljanska banka Basic Bank Zagreb, which was an independent legal person in the system of Ljubljanska banka - United Bank Ljubljana, operated in the Republic of Croatia until 1 January 1990. 
Do 01. siječnja 1990. godine u Republici Hrvatskoj je poslovala Ljubljanska banka Osnovna banka Zagreb koja je bila samostalna pravna osoba u sastavu Udružene ljubljanske banke.
As from 1 January 1990 Ljubljanska banka Basic Bank Zagreb ceased to exist as an independent legal person and following its reorganisation, based on a decision of the Constituent Assembly of Ljubljanska banka d.d. Ljubljana, continued to operate as an organisational unit of Ljubljanska banka d.d. Ljubljana without legal personality. 
Danom 01. siječnja 1990. godine prestala je postojati Ljubljanska banka Osnovana banka Zagreb kao samostalna pravna osoba te je zbog provedene reorganizacije, u skladu s odlukom osnivačke skupštine Ljubljanske banke d.d. Ljubljana, nastavila s poslovanjem kao njen organizacijski dio bez pravne osobnosti.
As a result of the said reorganisation, Ljubljanska banka Basic Bank Zagreb was merged with Ljubljanska banka d.d. Ljubljana. 
Navedenom reorganizacijom, i formalno-pravno Ljubljanska banka Osnovna banka Zagreba pripojena je Ljubljanskoj banci d.d. Ljubljana.
Ljubljanska banka d.d. Ljubljana guaranteed for all liabilities of the Main Branch Office with its entire assets, without limitation. 
Za sve obveze Glavne filijale odgovarala je Ljubljanska banka d.d. Ljubljana cjelokupnom svojom imovinom, bez ograničenja.
The Republic of Slovenia adopted a Constitutional Act Implementing the Basic Constitutional Charter on the Independence and Sovereignty of the Republic of Slovenia (hereinafter: the Constitutional Act) in July 1994. 
Republika Slovenija je u srpnju 1994. godine donijela Ustavni Zakon o dopunama ustavnog Zakona za provedbu Osnovnog ustavnog dokumenta o samostalnosti i nezavisnosti Republike Slovenije (u daljnjem tekstu: Ustavni zakon).
With this Act the Republic of Slovenia, among other things, established Nova Ljubljanska banka d.d. Ljubljana and stipulated that Ljubljanska banka d.d. Ljubljana transfers its operations and assets to Nova Ljubljanska banka d.d. Ljubljana. 
Navedenim je Zakonom Republika Slovenija, između ostalog, osnovala Novu Ljubljansku banku d.d. Ljubljana te utvrdila da Ljubljanska banka d.d. Ljubljana prepušta poslovanje i imovinu Novoj Ljubljanskoj banci d.d. Ljubljana.
Although this Act was aimed at preventing Nova Ljubljanska banka d.d. Ljubljana from being treated as successor of Ljubljanska banka d.d. Ljubljana, Nova Ljubljanska banka d.d. Ljubljana took over the assets but not the liabilities of Ljubljanska banka d.d. Ljubljana. 
Iako se tim pravnim aktom nastojalo spriječiti da se Nova Ljubljanska banka d.d. Ljubljana tretira kao sljednik Ljubljanske banke d.d. Ljubljana, ona je preuzela imovinu ali ne i obveze Ljubljanske banke d.d. Ljubljana.
At the same time, by adopting the said Act the Republic of Slovenia made it impossible for all depositors outside Slovenia to initiate any legal proceedings for the purpose of settling their claims against Ljubljanska banka d.d. Ljubljana and Nova Ljubljanska banka d.d. Ljubljana in the Republic of Slovenia. 
Istovremeno je Republika Slovenija istim Zakonom, onemogućila neslovenskim štedišama da u Republici Sloveniji vode bilo kakve sudske postupke radi naplate potraživanja prema Ljubljanskoj banci d.d. Ljubljana i Novoj Ljubljanskoj banci d.d. Ljubljana.
It is clear that Ljubljanska banka d.d. Ljubljana together with Nova Ljubljanska banka d.d. Ljubljana, as well as the Republic of Slovenia, which, by passing this discriminating Act, interfered with the relationship between Croatian depositors and Ljubljanska banka d.d. that is governed by private law, are responsible for not repaid savings of Croatian depositors. 
Razvidno je, da je za neisplaćena sredstva hrvatskim štedišama uz Ljubljansku banku d.d. Ljubljana odgovorna i Nova Ljubljanska banka d.d. Ljubljana kao i Republika Slovenija koja se donošenjem ovog diskriminirajućeg Zakona umiješala u privatnopravni odnos hrvatskih štediša i Ljubljanske banke d.d. Ljubljana.
Were the Croatian National Bank to decide on request for approval to acquire a qualifying holding by KBC, the central bank would deem the said circumstances very important due to the fact that KBC is a qualifying holder in Nova Ljubljanska banka d.d. Ljubljana. 
U eventualnom odlučivanju o suglasnosti za stjecanje kvalificiranog udjela od strane KBC-a o Hrvatska narodna banka navedene okolnosti smatra bitnim zbog činjenice da je KBC imatelj kvalificiranog udjela Nove Ljubljanske banke d.d. Ljubljana.
KBC Bank holds 34% of shares of Nova Ljubljanska bank d.d. Ljubljana. 
Naime, KBC Bank je imatelj 34% dionica Nove Ljubljanske banke d.d. Ljubljana.
Directive 2000/12/EC relating to the taking up and pursuit of the business of credit institutions defines a "qualifying holding" as direct or indirect holding in an undertaking which represents 10% or more of the capital or of the voting rights or which makes it possible to exercise a significant influence over the management of the undertaking in which a holding subsists. 
Direktiva 2000/12/EC o početku poslovanja i obavljanje djelatnosti kreditnih institucija definira pojam "kvalificiranog udjela" kao izravno ili neizravno vlasništvo u društvu koje predstavlja 10% ili više kapitala ili glasačkih prava ili koje omogućuje značajan utjecaj na upravljanje društva u kojim postoji udjel.
It is undisputable that KBC Bank is a legal person which exercises significant influence over Nova Ljubljanska banka d.d. Ljubljana and that it is hence the connected person thereto. 
Nesporno je da je KBC Bank pravna osoba koja ima značajan utjecaj na Novu Ljubljansku banku d.d. Ljubljana te da je s tim u vezi i povezana osobom u odnosu na istu.
Since in the process concerning the issuing of the approval for acquisition of a qualifying holding, in accordance with the existing regulations, not only a future acquirer of a qualifying holding is assessed, but also the acquirer's connected persons, the Croatian National Bank, in deciding on a prospective KBC's application, would also have to take into account the fact that KBC and Nova Ljubljanska banka d.d. Ljubljana are connected persons. 
Kako se pri procjeni za izdavanje suglasnosti za stjecanje kvalificiranog udjela, sukladno važećim propisima, ne promatra samo budući stjecatelj kvalificiranog udjela već i s njim povezane osobe, Hrvatska narodna banka bi prilikom odlučivanja o eventualnom zahtjevu KBC-a morala voditi računa i o činjenici da su KBC i Nova Ljubljanska banka d.d. Ljubljana povezane osobe.
According to Article 67, paragraph 3 of the Banking Act, risks to which a bank is exposed in its operations and which require a minimum in terms of methods of measuring, assessing and managing also include other risks. 
Zakon o bankama u svom članku 67. stavak 3. propisuje da rizike kojima je banka izložena u svom poslovanju i za koje minimalno moraju biti propisani postupci mjerenja, procjene i upravljanja rizicima čine također i ostali rizici.
Such other risks are legal, reputation and other risks. 
U ostale rizike uključuju se pravni, reputacijski i drugi rizici.
Reputation risk is the current and prospective impact on earnings and capital arising from negative public opinion. 
Reputacijski rizik je tekući i mogući negativni utjecaj na dobit i kapital koji je uvjetovan negativnim javnim mišljenjem.
Such a risk may affect the financial institution's ability to establish new relationships or continue servicing existing relationships. 
Taj rizik može negativno utjecati na sposobnost financijske institucije da kreira nove odnose odnosno da nastavi uspješno održavati postojeće.
A prospective acquirer of a qualifying holding, KBC, was aware or should have been aware, at the time of acquiring shares of Nova Ljubljanska banka d.d., of the manner in which Nova Ljubljanska banka d.d. had been established, as well as of the existence of unsettled liabilities towards the Croatian depositors. 
Mogući kvalificirani stjecatelj, KBC znao je ili morao znati u trenutku stjecanja dionica Nove Ljubljanske banke d.d. na koji je način osnovana Nova Ljubljanska banka d.d. te s tim u svezi i o postojanju nepodmirenih obveza prema hrvatskim štedišama.
KBC was also aware or should have been aware that by acquiring the shares of Nova Ljubljanska banka d.d. Ljubljana it had become exposed to the reputation risk on the territory of the Republic of Croatia. 
KBC je isto tako znao ili morao znati da je stjecanjem dionica Nove Ljubljanske banke d.d. Ljubljana postao izložen reputacijskom riziku na području Republike Hrvatske.
Nova Ljubljanska banka d.d. Ljubljana has not so far taken any actions aimed at settling the obligations to the depositors from the Republic of Croatia. 
Nova Ljubljanska banka d.d. Ljubljana nije poduzela niti poduzima bilo kakve radnje u cilju podmirivanja dugovanja prema štedišama iz Republike Hrvatske.
Furthermore, KBC, in the period of more than 3 years of participation in the management structure of Nova Ljubljanska banka d.d. Ljubljana, has not taken any measures with a view to settling the debt to the depositors from the Republic of Croatia. 
KBC također, u periodu od više od 3 godine kroz sudjelovanje u upravljačkoj strukturi Nove Ljubljanske banke d.d. Ljubljana nije poduzeo bilo kakve mjere koje bi imale za cilj podmirivanje dugovanja prema štedišama iz Republike Hrvatske.
On the contrary, KBC as a qualified holder of shares in Nova Ljubljanska banka d.d. Ljubljana, has been using, through the operation of that Bank, the funds of Ljubljanska banka d.d. Ljubljana, and in this manner the funds of the Croatian depositors, earning operating profit. 
Naprotiv, KBC je kao kvalificirani imatelj dionica Nove Ljubljanske banke d.d. Ljubljana kroz poslovanje te Banke koristio i nadalje koristi sredstva Ljubljanske banke d.d. Ljubljana, pa tako i sredstva hrvatskih štediša, ostvarujući poslovnu dobit.
Therefore, it is undisputable that the reputation risk is shared by Nova Ljubljanska banka d.d. Ljubljana and KBC, as the owner of 34% of shares. 
Nesporno je stoga da reputacijski rizik uz Novu Ljubljansku banku d.d. Ljubljana dijeli i KBC kao imatelj paketa od 34% dionica.
HVB Splitska banka d.d. Split is the fifth bank on the banking market of the Republic of Croatia, in terms of the size of assets and earned profit (before tax). 
HVB Splitska banka d.d. Split je na bankarskom tržištu Republike Hrvatske peta banka prema veličini aktive i prema ostvarenoj dobiti (prije oporezivanja).
This fact should not be disregarded, in terms of impact of the reputation risk on its operations. 
Ova činjenica nije zanemariva u smislu utjecaja reputacijskog rizika na njezino poslovanje.
More specifically, reputation risk could significantly affect the Bank's performance indicators. 
Naime, reputacijski rizik mogao bi bitno utjecati na ekonomske rezultate koji su pokazatelji poslovanja Banke.
In addition, it is a generally known fact that as a result of the not repaid foreign currency savings there is a negative public opinion in the Republic of Croatia concerning Ljubljanska banka d.d. Ljubljana and Nova Ljubljanska banka d.d. Ljubljana. 
Opće je poznata i činjenica da zbog neisplaćene devizne štednje u hrvatskoj javnosti postoji negativan stav spram Ljubljanske banke d.d. Ljubljana kao i spram Nove Ljubljanske banke d.d. Ljubljana.
The Croatian National Bank has not by any of its actions prevented the entry of foreign banks, including Slovenian banks, to the Croatian banking market, so that the position of the Croatian National Bank concerning a possible entry of KBC or Nova Ljubljanska banka d.d. Ljubljana may not be identified with the fulfilment of obligations under the SAA as regards free movement of capital and rights of establishment. 
Hrvatska narodna banka, nije bilo kojim postupkom priječila niti priječi ulazak stranih banka na hrvatsko bankarsko tržište, pa tako niti slovenskih banaka, te se stajalište Hrvatske narodne banke oko mogućeg ulaska KBC-a ili Nove Ljubljanske banke d.d. Ljubljana ne može dovoditi u vezu sa poštivanjem obveza prema SSP-u vezanih uz slobodno kretanje kapitala i prava poslovnog nastana.
This is also confirmed by the fact that 92% of the banking system of the Republic of Croatia is in foreign ownership. 
Da je tome tako svjedoči i činjenica da je 92% bankovnog sustava Republike Hrvatske u stranom vlasništvu.
Every individual request for the acquisition of a qualifying holding in a bank or a request for establishment of a bank on the territory of the Republic of Croatia is subject to a separate procedure and decision-making, taking into account all the relevant facts and circumstances, in accordance with the provisions of the regulations that are in effect in the Republic of Croatia. 
Svaki pojedinačni zahtjev za stjecanje kvalificiranog udjela u banci ili zahtjev za osnivanje banke na području Republike Hrvatske predmet je zasebnog postupka i odlučivanja u sklopu svih relevantnih činjenica i okolnosti u skladu sa odredbama važećih propisa Republike Hrvatske.
Interest rates 
HNB
Interest rates 
Informacija o kamatnim stopama
The tables contain the weighted monthly averages of credit institutions' interest rates on book balances of loans and deposits, new business of loans and deposits, amounts of book balances, volumes of new business. 
U tablicama se prikazuju vagani mjesečni prosjeci kamatnih stopa kreditnih institucija na knjigovodstvena stanja kredita i depozita, na nove poslove kredita i depozita, iznosi knjigovodstvenih stanja, iznosi novih poslova.
Loans and deposits are divided according to several criteria: according to the currency in which they are granted or received, the sector of the borrower/depositor, the type of instrument, the loan amount and maturity. 
Krediti i depoziti dijele se prema više kriterija: prema valuti u kojoj su odobreni ili primljeni, sektoru korisnika kredita/depozita, vrsti instrumenta, visini iznosa te ročnosti.
Methodology 
Dokumenti
TABLE G1b Credit institutions' interest rates on kuna deposits indexed to foreign currency (new business) 
TABLICA G1b Kamatne stope kreditnih institucija na kunske depozite s valutnom klauzulom (novi poslovi)
TABLE G1c Credit institutions' interest rates on foreign currency deposits (new business) 
TABLICA G1c Kamatne stope kreditnih institucija na devizne depozite (novi poslovi)
The tables contain the weighted monthly averages of credit institutions' interest rates and total volumes of new deposit business of credit institutions in the reporting month, in particular for kuna deposits not indexed to f/c, for kuna deposits indexed to f/c and for foreign currency deposits. 
U tablicama se iskazuju vagani mjesečni prosjeci kamatnih stopa te sume iznosa novih depozitnih poslova kreditnih institucija u izvještajnom mjesecu, posebno za kunske depozite bez valutne klauzule, za kunske depozite s valutnom klauzulom i za devizne depozite.
Deposits in tables G1a through G1c are further broken down to deposits placed by households and non-financial corporations, by instrument, the classification by maturity and by the currency of indexation or by the currency, depending on the presentation format in the individual table. 
U tablicama od G1a do G1c navodi se daljnja podjela na depozite kućanstava i nefinancijskih društava, podjela po instrumentima, podjela po ročnosti i podjela prema valuti indeksacije odnosno prema valutama, ovisno o prezentacijskom formatu u pojedinoj tablici.
In principle, the basis for the calculation of the weighted averages for deposits includes the amounts received during the reporting month (new business), while for overnight deposits the basis for the calculation of the weighted averages includes the end-of-month book balances. 
Načelno, osnova za izračunavanje vaganih prosjeka kod depozita jesu iznosi primljeni tijekom izvještajnog mjeseca (novi poslovi), dok su kod prekonoćnih depozita osnova za izračunavanje vaganih prosjeka knjigovodstvena stanja na kraju izvještajnog mjeseca.
New business includes newly received deposits during the reporting month, defined as any new agreement between the customer and the reporting institution. 
Novi poslovi su novoprimljeni depoziti u izvještajnom mjesecu, a definiraju se kao svaki novi ugovor između klijenta i izvještajne institucije.
This means that they cover all financial contracts that specify for the first time the interest rate of the deposit, and all renegotiations of the terms and conditions of the existing deposit contracts. 
To znači da obuhvaćaju sve financijske ugovore kojima se prvi put utvrđuju kamatne stope na depozite i sve ponovne sporazume o uvjetima postojećih ugovora o depozitima.
When the terms and conditions of the existing contracts are being renegotiated, the active involvement of the customer in the renegotiations is essential, while any automatic changes to the terms and conditions of the contract by the reporting institution are not considered new business. 
Kod pregovaranja o novim uvjetima već postojećih ugovora bitno je aktivno sudjelovanje klijenta u pregovorima, dok se sve automatske promjene uvjeta ugovora od strane izvještajne institucije ne smatraju novim poslovima.
Kuna and foreign currency deposits, which serve as a deposit for the granting of loans, are covered by the data in the table. 
Kunski i devizni depoziti koji služe kao polog za odobravanje kredita obuhvaćeni su podacima u tablici.
Short-term deposits are deposits with original maturity of up to and including one year, while long-term deposits are deposits with original maturity exceeding one year. 
Kratkoročni depoziti jesu depoziti s izvornim dospijećem do i uključujući jednu godinu, a dugoročni depoziti jesu depoziti s izvornim dospijećem dužim od jedne godine.
Overnight deposits are broken down to transaction accounts and savings deposits. 
Prekonoćni depoziti dijele se na transakcijske račune i na štedne depozite.
Transaction account is the account through which an account holder in the reporting institution settles his payables and through which he collects his receivables. 
Transakcijski račun jest račun preko kojeg vlasnik računa u izvještajnoj instituciji plaća svoje obveze i preko kojeg naplaćuje svoja potraživanja.
The reporting institution uses this instrument only for the presentation of cash funds in accounts with the credit balance. 
Izvještajna institucija koristi se ovim instrumentom samo za prikaz novčanih sredstava na računima s potražnim stanjem.
Transaction account is the account opened with a reporting institution on the basis of a contract on the opening of such an account. 
Transakcijski račun jest račun otvoren kod izvještajne institucije na temelju ugovora o otvaranju takvog računa.
This item includes restricted deposits, or different temporary (restricted) deposits which, for a specific purpose, can be transferred from current and giro accounts (e.g. funds set aside pursuant to a court's order, funds for international payments, funds for the purchase of foreign currency and purchase of securities, brokerage and custodial-based deposits, coverage for letters of credit, etc.). 
U ovu poziciju uključuju se i ograničeni depoziti, tj. razni privremeni (ograničeni) depoziti koji mogu biti s određenom svrhom preneseni s tekućih računa i žiroračuna (primjerice sredstva izdvojena po nalogu suda, sredstva za plaćanja u inozemstvo, sredstva za kupnju deviza te kupnju vrijednosnih papira, depoziti na osnovi brokerskih poslova i skrbništva, pokrića za akreditive i slično).
Savings deposits are deposits without a predetermined date of maturity or period of notice, which the depositor cannot debit by issuing a cashless payment order. 
Štedni depoziti jesu depoziti koji nemaju unaprijed utvrđeni datum dospijeća ili otkazni rok te na čiji teret deponent ne može davati platne naloge bezgotovinskoga platnog prometa.
Such accounts are primarily intended for savings. 
Takvi računi namijenjeni su prije svega štednji.
Time deposits are deposits the use of which the depositor renounces for a specific agreed time. 
Oročeni depoziti jesu depoziti čije se upotrebe deponent odriče na određeno dogovoreno vrijeme.
Time deposit funds cannot be used for payments. 
Sredstvima oročenih depozita ne može se koristiti za plaćanja.
These deposits also include time deposits with agreed notice period in which case the request for the disposal of funds has not been submitted yet. 
Ovi depoziti uključuju i oročene depozite s ugovorenim otkaznim rokom kod kojih zahtjev za raspolaganje sredstvima nije još podnesen.
Deposits redeemable at notice are savings deposits and time deposits for which a request for the disposal of funds has been submitted. 
Depoziti u otkaznom roku jesu štedni depoziti i oročeni depoziti kod kojih je podnesen zahtjev za raspolaganje sredstvima.