natgillin/translations-raw huggingface dataset:
Figure 47 presents the number of accounts of consumers and business entities (non-consumers) with authorised overdrafts by month for 2015 . 
Udio korištenja platnoprometnih servisa potrošača u odnosu na broj stanovnika RH i poslovnih subjekata (nepotrošača) u odnosu na broj registriranih poslovnih subjekata (nepotrošača) u RH ...................................................21
in thousand 
Popis slika
Consumer - left 
Slika 1.
Note: Not including blocked accounts. 
HNB Platne transakcije i računi 2015.
Of the total of 1,779,230 accounts of consumers that on 31 December 2015 had authorised overdraft facilities, 57 . 
Struktura međunarodnih platnih transakcija prema vrijednosti izvršenih transakcija ...................................................................................................................10 Slika 5.
2% of them, or 1,018,035 accounts were using the authorised overdraft . 
Struktura kreditnih transfera ....................................................................................11 Slika 6.
8.5.3 Blocked accounts 
Poslani nacionalni kreditni transferi potrošača ...............................................15 Slika 11.
e . the disposal of funds was disabled . 
Poslani nacionalni kreditni transferi potrošača ...............................................17 Slika 14.
g . electricity, water, gas and other bills) . 
Ukupan broj nacionalnih kreditnih transfera potrošača prema načinu zadavanja .......................................................................................................................................18 Slika 16.
A credit line (limit) is granted to the credit card user for the execution of a payment transaction . 
Ukupna vrijednost nacionalnih kreditnih transfera poslovnih subjekata prema načinu zadavanja ......................................................................................20 Slika 19.
e . after a specific time . 
Broj ugovora trajnog naloga ..................................................................................23 Slika 20.
Type of account 
HNB Platne transakcije i računi 2015.
Consumer 
Slika 21.
The coverage in the account also includes the amount of the unused allowed overdraft . 
Ukupni poslani prekogranični/međunarodni kreditni transferi potrošača i poslovnih subjekata (nepotrošača) ....................................................................................26 Slika 24.
‘Non-consumer' means a legal or natural person other than the consumer (business entity) . 
Ukupni poslani prekogranični/međunarodni kreditni transferi potrošača i poslovnih subjekata (nepotrošača) ....................................................................................27 Slika 25.
CNB Payment Transactions and Accounts 2015 
subjekata (nepotrošača) ...........................................................................................................28 Slika 27.
of credit transfers at regular intervals or on dates set in advance (e . 
Struktura udjela valuta u ukupnom broju transakcija poslanih
g . payment of the TV fee, the instalment of an annuity . . .) . 
prekograničnih/međunarodnih kreditnih transfera potrošača i poslovnih
Table 1 Payment transactions in the RC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 
Struktura udjela valuta u ukupnoj vrijednosti transakcija poslanih
Table 2 Total number of national credit transfers executed electronically . . . . . . . . . . . . .22 
prekograničnih/međunarodnih kreditnih transfera potrošača i poslovnih
Table 3 Total value of national credit transfers executed electronically . . . . . . . . . . . . . . . . . .22 
subjekata (nepotrošača) ...........................................................................................................29 Slika 29.
Table 4 The average number and value of transactions of national credit 
Ukupni primljeni prekogranični/međunarodni kreditni transferi
transfers according to the number of users of payment services . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 
potrošača i poslovnih subjekata (nepotrošača) ...............................................................29 Slika 30.
Table 5 Number of accounts of consumers and business entities (non 
Ukupni primljeni prekogranični/međunarodni kreditni transferi
Table 7 Payment instruments linked to the payment account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .46 
Struktura udjela valuta u ukupnom broju transakcija primljenih
Table 8 Number of blocked accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .51 
prekograničnih/međunarodnih kreditnih transfera potrošača i poslovnih
List of boxes 
subjekata (nepotrošača) ...........................................................................................................30 Slika 32.
List of figures 
subjekata (nepotrošača) ...........................................................................................................31 Slika 33.
CNB Payment Transactions and Accounts 2015 
Poslane prekogranične/međunarodne novčane pošiljke ...........................34 Slika 36.
CNB Payment Transactions and Accounts 2015 
Primljene prekogranične/međunarodne novčane pošiljke ........................35
business entities (non-consumers) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 Figure 46 Number of accounts of consumers and business entities 
Broj i vrijednost transakcija izravnih terećenja potrošača ...........................39 Slika 42.
(non-consumers) with authorised overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 
Ukupan broj računa potrošača i poslovnih subjekata
CNB Payment Transactions and Accounts 2015 
(nepotrošača) ................................................................................................................................43 Slika 44.
(non-consumers) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40 Figure 43 Total number of accounts of consumers and business entities 
Broj jednovalutnih i multivalutnih računa potrošača otvorenih kod
(non-consumers) with authorised overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 
HNB Platne transakcije i računi 2015.
Mr. Fabrizio Saccomani holds a lecture in the CNB 
G. Fabrizio Saccomani održao predavanje u HNB-u
On this occasion, the esteemed guest held a lecture entitled "European Economic and Monetary Integration and the Stability Pact for South Eastern Europe", which was attended by representatives of the Ministry of Finance, Ministry of Economy, Ministry of External Affairs, Ministry of European Integration and Embassy of the Republic of Italy in Croatia, as well as by Croatian central bank officials. 
Tom prigodom uvaženi gost održao je predavanje na temu "Europska gospodarska i monetarna integracija i Pakt stabilnosti za Jugoistočnu Europu", kojemu su, osim djelatnika središnje banke, prisustvovali i predstavnici Ministarstva financija, Ministarstva vanjskih poslova, Ministarstva za europske integracije, Ministarstva gospodarstva i Veleposlanstva Republike Italije.
Although European economic and monetary integration, crowned with the creation of common currency, developed during the period of almost fifty years, and the Stability Pact is a political agreement aged only one year, both processes share the same final objective: creating a framework for mutually rewarding economic relationships between neighboring countries with different histories, languages, religions and traditions, while simultaneously pursuing peace and prosperity, said Mr. Saccomanni in his lecture. 
Iako se europsko ekonomsko i novčano povezivanje, okrunjeno stvaranjem zajedničke valute, odvijalo gotovo pet desetljeća, a Pakt o stabilnosti je tek jednogodišnji politički sporazum, oba procesa imaju istovjetni cilj: stvaranje okvira za međusobne korisne gospodarske veze susjednih država s različitom poviješću, jezicima, religijama i tradicijom, uz poticanje mira i napretka - naglasio je dr. Saccomanni.
Key words of the Stability Pact are reconstruction ("after a decade of conflicts, even hard destruction in the region") and reform ("since the transition into modern and competitive market economy proves to be more difficult and complicated than it appeared after the fall of the Berlin Wall"). 
Ključne riječi Pakta o stabilnosti su obnova (nakon cijelog desetljeća sukoba, pa i teških razaranja u ovoj regiji) i reforme (budući da se tranzicija u moderno i konkurentno tržišno gospodarstvo, pokazuje svuda težom i složenijom nego što je izgledalo poslije pada Berlinskog zida).
The initiative taken by the European Union to launch the Stability Pact is an expression of the need for a comprehensive strategy in which the financial assistance needed for reconstruction would be coupled with a broad range of measures of institution-building to promote democratization and to establish law-based and market-oriented social and economic systems. 
Inicijativa Europske unije za stvaranje Pakta stabilnosti izraz je potrebe za zaokruženom strategijom u kojoj će financijska pomoć za obnovu biti praćena širokim mjerama za izgradnju institucija koje će unapređivati demokraciju, pravnu državu i tržišno orjentirani gospodarski i socijalni sustav.
Nevertheless, the message that goes along these intentions must be clear, emphasized dr. Saccomanni: the reform process must start with securing individual rights and protecting them from the predators, be they disguised as free riders, price fixers or bribers. 
No poruka koja uz to slijedi, istaknuo je dr. Saccomanni, mora biti jasna: reformski procesi moraju početi s osiguranjem prava pojedinaca i njihovom zaštitom od otimača, bez obzira skrivaju li se oni iza maski kupaca bez novaca, monopola ili korupcionaša.
The TARGET2 is a payment system for the settlement of payment transactions in euro in real time on a gross basis. 
TARGET2 je platni sustav za namiru platnih transakcija u eurima u realnom vremenu na bruto načelu.
The European Central Bank is the main supervisory authority for TARGET2. 
Europska središnja banka glavno je nadzorno tijelo sustava TARGET2.
TARGET2 is a centralised system that offers the same level of service to all its participants, which in terms of its legal structure, consists of several RTGS payment systems, TARGET2 national components. 
TARGET2 je centralizirani sustav koji nudi istu razinu usluge svim svojim sudionicima i koji se u smislu pravne strukture sastoji od više platnih sustava RTGS, nacionalnih komponenti sustava TARGET2.
The planning and structuring of the national process of migration, setting up and operational management of the TARGET2-HR national component are the responsibility of the CNB. 
Planiranje i strukturiranje nacionalnog procesa migracije te uspostava i operativno upravljanje nacionalnom komponentom TARGET2-HR u nadležnosti su Hrvatske narodne banke.
The TARGET2-HR national component started production operations on 1 February 2016 in accordance with the National SEPA Migration Plan. 
TARGET2-HR nacionalna komponenta započela je s produkcijskim radom 1. veljače 2016. u skladu s Nacionalnim planom migracije na SEPA.
Foreign currency deposits increased, lending rates decreased 
Porasli devizni depoziti, smanjile se aktivne kamatne stope banaka
At its meeting held on Wednesday, July 28, 1999, the Council of the Croatian National Bank, chaired by Governor Dr. Marko Škreb, reviewed recent monetary and economic developments and discussed the situation in the Croatian banking system. 
Na sjednici održanoj 28. srpnja 1999. godine Savjet Hrvatske narodne banke, pod predsjedanjem guvernera dr. Marka Škreba, razmotrio je monetarna i gospodarska kretanja u proteklom razdoblju, te raspravljao o situaciji u bankarstvu.
As forecasted, modest recovery of economic activity present since this year's spring continued. 
Sukladno prognozama, blagi oporavak gospodarske aktivnosti, koji je prisutan od proljeća ove godine, nastavio se i u proteklom razdoblju.
In June, industrial production grew by 1.1 percent in comparison with June 1998, for the first time since September 1998. 
Industrijska proizvodnja porasla je u lipnju, u odnosu na isti prošlogodišnji mjesec, za 1,1 posto, prvi puta nakon rujna 1998. godine.
Developments observed in tourism are more favorable than those forecasted, although slightly worse than those recorded last year. 
Kretanja zabilježena u turizmu povoljnija su od očekivanih, iako nešto lošija od prošlogodišnjih.
In terms of monetary indicators, it is encouraging that the decrease in foreign currency deposits seen in spring this year has stopped. 
Od monetarnih kretanja najviše ohrabruje da su se potvrdili signali o tome da je pad devizne štednje zabilježen u proljeće ove godine zaustavljen.
Moreover, foreign currency deposits (in kuna terms) grew in June by 1.2 percent. 
Štoviše, devizni depoziti (izraženi u kunama) povećani su u lipnju 1,2 posto.
Another favorable indicator is the one related to developments in interest rates. 
U povoljniju gospodarsku sliku uklopilo se i kretanje kamatnih stopa.
The decrease in interest rates on the Zagreb Money Market in April and May influenced the reduction of commercial banks' lending rates in June. 
Pad kamatnih stopa na tržištu novca u travnju i svibnju odrazio se u lipnju na smanjenje aktivnih kamatnih stopa hrvatskih banaka.
Interest rates on kuna loans with the currency clause did not change - they remained on the level of 13.3 percent. 
Kamatne stope na kredite s valutnom klauzulom nisu se mijenjale i ostale su na razini od 13,3 posto.
Due to the decrease in lending rates and also due to the fact that deposit interest rates did not significantly change, the spread was reduced to about 10 percentage points, for the first time in a one year period. 
Zahvaljujući padu aktivnih kamatnih stopa i činjenici da u isto vrijeme nije došlo do značajnijih promjena pasivnih kamatnih stopa, kamatna marža je u lipnju prvi puta nakon godinu dana smanjena na oko deset postotnih bodova.
Government borrowing from the central bank remained on the level of 1.37 billion kuna. 
Zaduženje države kod središnje banke ostalo je na razini od 1,37 milijardi kuna.
APPLICATION FOR APPROVAL TO ACQUIRE A QUALIFYING HOLDING IN A CREDIT INSTITUTION 
ZAHTJEV ZA IZDAVANJE SUGLASNOSTI ZA STJECANJE KVALIFICIRANOG UDJELA U KREDITNOJ INSTITUCIJI
2 Name/firm name, head office, and address of the applicant 
2. Ime/tvrtka, sjedište, adresa podnositelja zahtjeva
3 Name and function of the person that will represent the applicant in the process of making a decision on the application for approval if the applicant has authorised another person for representation, provide a power of attorney in the form of an original or a certified copy 
3. Ime i funkcija osobe koja će zastupati podnositelja zahtjeva u postupku odlučivanja o zahtjevu za izdavanje suglasnosti ako podnositelj opunomoći drugu osobu za zastupanje, potrebno je dostaviti izvornik ili ovjerenu kopiju punomoći
5 Code of the sector/subsector of the acquirer (undertaking, financial institution) and description of activity/occupation provide the requested data for legal persons 
5. Oznaka sektora/podsektora stjecatelja (trgovačko društvo, financijska institucija) i opis djelatnosti/zanimanja za pravne osobe navesti tražene podatke
6 Data on the acquirer of a qualifying holding (for natural persons) provide: a curriculum vitae, listing all companies, with whom he/she is or was employed, of which he/she is or was a member of the management or supervisory board, or in which he/she is or was a holder of a qualifying holding, indicating the relevant periods 
6. Podaci o stjecatelju kvalificiranog udjela (za fizičke osobe) dostaviti životopis koji uključuje popis svih tvrtki u kojima jesu ili su bili zaposleni ili članovi uprave ili nadzornog odbora, te u kojima su bili ili su sada imatelji kvalificiranog udjela s razdobljima
7 Data on the financial condition of the acquirer (for natural persons) provide data on assets, income and indebtedness of the acquirer who is a natural person: a list of immovable property in ownership, giving a description of immovable property, its address, floor area, estimated value and encumbrances; a list of movable property (vehicles, vessels, aircrafts) in ownership, giving a description (for vehicles the make of the vehicle, the model of the vehicle, year of manufacture, value, whether it is encumbered by a loan or a leasing arrangement); a list of other movable property (works of art, securities, savings, claims, etc), indicating their value; holdings in undertakings, with data on firm name, their head offices, registration numbers, amount of holding in the capital and nominal value; amount of income based on salary or activity (crafts and trades, private family farms, freelance); a list of income from other activities, assets, capital, ownership rights, etc.; data on indebtedness (the amount of loans, loan maturity, annuity maturity, the remainder of the debt); a certificate from the tax administration showing that tax liabilities in the Republic of Croatia have been settled 
7. Podaci o financijskom stanju stjecatelja (za fizičke osobe) dostaviti podatke o imovini i primanjima te zaduženosti stjecatelja fizičke osobe: popis nekretnina u vlasništvu, s opisom, adresom, površinom, procijenjenom vrijednosti i teretima popis pokretnina (vozila, plovila, zrakoplovi) u vlasništvu, s opisom (za vozila marka, tip, godina proizvodnje, vrijednost, je li opterećena otplatom kredita ili lizinga) popis ostalih pokretnina (umjetnina, vrijednosnih papira, ušteđevine, potraživanja i sl.) s oznakom vrijednosti udjele u trgovačkim društvima s podacima o tvrtki, sjedištu, MBS-u, visini udjela u kapitalu, nominalnoj vrijednosti visinu primanja na osnovi plaće ili od djelatnosti (obrt, obiteljsko poljoprivredno gospodarstvo, slobodna zanimanja) popis primitaka od drugih djelatnosti, imovine, kapitala, imovinskih prava i sl. podatke o kreditnoj zaduženosti (iznos kredita, ročnost, dospijeće anuiteta, ostatak duga) potvrdu porezne uprave o podmirenju poreznih obveza u RH
11 Where the applicant is a legal person, audited financial statements for the last two business years (balance sheet and profit and loss account) should be provided provide audited financial statements in the Croatian or English language 
11. Ako je podnositelj zahtjeva pravna osoba, dostavljaju se revidirani financijski izvještaji za posljednje dvije poslovne godine (bilanca i račun dobiti i gubitka) revidirani financijski izvještaji dostavljaju se na hrvatskom jeziku ili na engleskom jeziku
12 Evidence that the applicant (acquirer) has not been convicted of crimes referred to in Article 25, paragraph (1), item (1), subitem i) and that no minor offense or criminal proceedings have been initiated against the acquirer provide a certificate from the competent government body on judgements with final force and effect and pending criminal and minor offence proceedings not older than 90 days (only for persons who are not citizens of the Republic of Croatia nor have domicile or normal place of residence in the territory of the Republic of Croatia); if, under the regulations of the country concerned whose citizen is the acquirer, no such certificate can be obtained, a statement of the legal or natural person that the applicant has no criminal or minor offence record, not older than 30 days, must be obtained 
12. Informacija o nekažnjavanju podnositelja zahtjeva (stjecatelja) za kaznena djela iz članka 25. stavka 1. točke 1. pod i) i o vođenju prekršajnih i kaznenih postupaka protiv stjecatelja dostaviti potvrdu odgovarajućeg državnog tijela o pravomoćnim osudama i vođenju postupka za kaznena djela i prekršaje, ne stariju od 90 dana (samo za osobe koje nisu državljani RH niti imaju prebivalište ili boravište na području RH); ako se prema propisima države čiji je državljanin stjecatelj ne može dobiti takva potvrda, prilaže se izjava pravne ili fizičke osobe o nekažnjavanju, ne starija od 30 dana
13 Evidence that no bankruptcy proceedings have been initiated against the property of the acquirer provide a certificate of the competent authority 
13. Dokaz da nad imovinom stjecatelja nije pokrenut stečajni postupak dostaviti potvrdu nadležnog tijela
14 If the acquirer is a credit institution with a head office outside the Republic of Croatia, provide the name and address of the competent supervisory authority and the opinion or approval from the competent supervisor state name and address of the competent supervisor, enclosing the opinion or approval from the competent supervisor 
14. Ako je stjecatelj kreditna institucija sa sjedištem izvan RH, potrebno je navesti naziv i adresu nadležnog supervizorskog tijela i dostaviti mišljenje ili suglasnost nadležnog supervizora navesti naziv i adresu nadležnog supervizora i priložiti mišljenje ili suglasnost nadležnog supervizora
15 Proposed members of the supervisory board and the management board of the credit institution (where the acquisition results in changes in the existing supervisory and management boards of the credit institution) where the acquisition results in changes in the supervisory board or the management board of the credit institution, applications for prior approval for the appointment of the members of the supervisory board and the chairperson and members of the management board of the credit institution should also be provided 
15. Prijedlog članova nadzornog odbora i uprave kreditne institucije (ako stjecanjem dolazi do promjene u postojećem nadzornom odboru i upravi kreditne institucije) ako će nakon stjecanja doći do promjene u nadzornom odboru ili upravi kreditne institucije, podnose se i zahtjevi za izdavanje prethodne suglasnosti za imenovanje članova nadzornog odbora i predsjednika i članova uprave kreditne institucije
16 Detailed description of the transaction which is the subject of the application and explanation of the intended objectives - state the total nominal amount of the shares and percentage of the initial capital and voting rights in the general assembly of the credit institution and explain the objectives that are to be achieved by the acquisition, as well as the strategic orientation of the acquirer in relation to holdings in credit and financial institutions; - where the acquisition of a holding enables control of and dominant influence over the operation of the credit institution, describe reasons behind the acquirer's decision to acquire a holding, explaining in detail the objectives the achievement of which should not jeopardise the safety and stability of long-term operations of the credit institution (the assumption being that the acquirer is well-acquainted with the operation of the credit institution in which it is acquiring a significant qualifying holding) 
16. Detaljni opis transakcije koja je predmet zahtjeva i obrazloženje ciljeva koji se žele postići - navesti ukupni nominalni iznos dionica i postotni udio u temeljnom kapitalu i glasačkim pravima u gl. skupštini kreditne institucije i obrazloženje ciljeva koji se žele postići predmetnim stjecanjem te strateška usmjerenja stjecatelja u odnosu na ulaganja u kreditne i financijske institucije - pri stjecanju udjela koji omogućava kontrolu i značajan utjecaj na poslovanje kreditne institucije opisati razloge zbog kojih se stjecatelj odlučio na predmetno stjecanje s detaljnim obrazloženjem ciljeva čija realizacija ne bi smjela dovesti u pitanje sigurnost i stabilnost dugoročnog poslovanja kreditne institucije (podrazumijeva se da je stjecatelj dobro upoznat s poslovanjem kreditne institucije u kojoj stječe značajan kvalificirani udjel)