natgillin/translations-raw huggingface dataset:
Compared to other European countries, you see that we have a solid deposit insurance base, but, again, if we are talking about a systemic banking crisis, we are talking about something else. 
U usporedbi s drugim europskim zemljama, vidite da imamo solidnu bazu osiguranja depozita, ali, opet, govorimo li o sustavnoj bankarskoj krizi, govorimo o nečem drugom.
To conclude, setting up the banking union is half way through. 
Da zaključimo, osnivanje bankarske unije trenutno je na pola puta.
Postponing the decision does not entail high costs while making the decision right now is still a leap into the unknown for which we don't see justified reasons at the moment. 
Odgađanje odluke ne podrazumijeva visoke troškove, a donošenje odluke u ovome trenutku još uvijek bi bio skok u nepoznato, za koji trenutno ne vidimo opravdane razloge.
Things might change in a few months. 
To se može promijeniti u nekoliko mjeseci.
I am talking about where we are at the moment thinking about that. 
Govorim o tome kako sada razmišljamo.
What would make the SSM membership more attractive for a non-eurozone member country? 
Što bi privuklo zemlju koja nije članica eurozone da prihvati SSM?
Access, of course, access to some kind of resolution funds, where we are also talking about the possibility of BOP assistance to be used in such a way. 
Pristup naravno, pristup nekoj vrsti sanacijskog fonda, gdje se također govori o mogućnosti pomoći u obliku bilance plaćanja.
That is definitely attractive. 
To je definitivno privlačno.
Or also liquidity assistance that would be available to domestic banks and, of course, once we get to deposit insurance level playing field in the deposit insurance systems. 
Ali i pomoći s likvidnošću, koja bi bila na raspolaganju domaćim bankama i, naravno, fer utakmica u području osiguranja depozita.
Overall, I usually say, the more complete the banking union is, the more encompassing it is, the more attractive it is for us. 
Sve u svemu, ja obično kažem, što je bankarska unija potpunija, to nam je privlačnija.
The less complete it is, the less attractive it is for the opt-in. 
Što je manje potpuna, manje je privlačna za zemlje s opt-in klauzulom.
That is the conclusion I want to end up with. 
To je zaključak s kojim želim završiti.
Thank you. 
Hvala vam.
Damir Odak, Vicegovernor 
HNB
Damir Odak, Vicegovernor 
Damir Odak, viceguverner
Damir Odak was born in Split on 29 February 1964. 
Damir Odak rođen je 29. veljače 1964. u Splitu.
After graduating from the Zagreb Faculty of Economics in 1987, he started his business career as a senior research fellow at the Institute of Economics, Zagreb. 
Nakon što je 1987. diplomirao na Ekonomskom fakultetu u Zagrebu, zaposlio se kao znanstveni savjetnik u Ekonomskom institutu Zagreb.
From 1989, he worked as an advisor with the Ecosystem company and was responsible for establishing Trgovačka banka d.d. In 1990, he was appointed Chairman of the Management Board of Trgovačka banka d.d., which later on merged into Erste und Steiermärkische Bank d.d. Then he transferred to Zagrebačka banka d.d., where he held office as manager of the Commercial Banking Division from 1997 to 2000, when was appointed Member of the Bank's Management Board responsible for corporate business and business operations development in Bosnia and Herzegovina. 
Od 1989. radi kao savjetnik u Ecosystemu i zadužen je za osnivanje Trgovačke banke d.d., a 1990. godine postaje predsjednik uprave Trgovačke banke d.d., koja je poslije postala sastavni dio Erste und Steiermaerkische Bank d.d. Prelazi zatim u Zagrebačku banku d.d., gdje od 1997. do 2000. radi kao direktor Sektora poslovnog bankarstva, a 2000. postaje član uprave Banke zadužen za poslovanje s poduzećima i za razvoj poslovanja u Bosni i Hercegovini.
He continued his career as Chairman of the Management Board of Nova banka d.d., which became OTP banka Hrvatska d.d. in 2005, where he stayed until summer 2011. 
Karijeru nastavlja kao predsjednik uprave Nove banke d.d., koja 2005. postaje OTP banka Hrvatska d.d., gdje ostaje do ljeta 2011. godine.
Pursuant to the decision of the Croatian Parliament, Damir Odak assumed office as Vicegovernor of the Croatian National Bank on 17 July 2012. 
Viceguverner Hrvatske narodne banke postao je 17. srpnja 2012. na temelju odluke Hrvatskog sabora.
Vicegovernor Odak coordinates and manages the operations of the CNB Prudential Regulations and Bank Supervision Area. 
Viceguverner Odak koordinira i rukovodi poslovima iz područja Sektora bonitetne regulative i supervizije.
CROATIAN NATIONAL BANK 
HRVATSKA NARODNA BANKA
Better use of EU funds to promote growth 
Boljim korištenjem EU fondova do bržeg rasta
In the years that follow, the growth might hold steady at a similar level, but such projection is accompanied by a high degree of uncertainty, said Vedran Šošić, Vicegovernor of the Croatian National Bank at the conference "Day of Croatian financial institutions", hosted by the Croatian Chamber of Economy (CCE) on 20 October 2016. 
U sljedećim bi se godinama rast mogao zadržati na sličnoj razini, ali takvu projekciju prati visok stupanj neizvjesnosti, rekao je viceguverner Hrvatske narodne banke Vedran Šošić na konferenciji Dan hrvatskih financijskih institucija održanoj 20. listopada 2016. u organizaciji Hrvatske gospodarske komore (HGK) .
Following the presentation by Maximilien Lambertson, the Economist Intelligence Unit Analyst, about macroeconomic trends and expectations in the EU and the Republic of Croatia, the Vicegovernor stated that increased use of EU funds might continue to contribute to growth acceleration. 
Nakon izlaganja Maximiliena Lambertsona, analitičara The Economist Inteligence Unit, o makroekonomskim trendovima i očekivanjima u EU-u i Republici Hrvatskoj, viceguverner je rekao da bi jačanje neto korištenja fondova EU i nadalje moglo djelovati na ubrzavanje rasta.
Vicegovernor Šošić explained the trends affecting financial stability and stressed that fiscal sustainability had until recently posed the key risks to financial stability, but pointed that unexpectedly good fiscal results in the previous year and very favourable fiscal developments this year considerably reduce this risk. 
Viceguverner Šošić je objasnio trendove koji utječu na financijsku stabilnost te istaknuo da je donedavno fiskalna održivost bila jedan od ključnih rizika za financijsku stabilnost, ali neočekivano dobra fiskalna ostvarenja u protekloj i vrlo povoljna fiskalna kretanja u ovoj godini bitno smanjuju taj rizik.
Reduced risk premium also affects the domestic interest rates. 
Smanjena premija za rizik odražava se i na domaće kamatne stope.
All this, coupled with growth revival, improves the picture of debt sustainability of all the sectors of the economy and reduces risks. 
To, zajedno s oživljavanjem rasta, popravlja sliku održivosti duga svih sektora ekonomije i smanjuje rizike.
He noted in particular the issue of exchange rate risk, which, though structurally high, has also been falling due to the improvement in kuna lending and external debt reduction. 
Posebno se osvrnuo na tečajni rizik, koji se, iako strukturno na visokoj razini, također smanjuje zbog jačanja kunskoga kreditiranja i smanjenja inozemnog duga.
By contrast, the interest rate risk has grown, due to an increased share of loans with a variable interest rate following conversion of loans in Swiss francs. 
S druge strane, kamatni rizik je porastao zbog povećanja udjela kredita s promjenjivom kamatnom stopom slijedom konverzije kredita u švicarskim francima.
He also pointed to the fact that, according to Croatian National Bank research, the share of NRR as the reference rate in loans to households exceeds the shares of EURIBOR and LIBOR, earlier preferred by credit institutions. 
Izdvojio je i podatak da, prema istraživanju Hrvatske narodne banke, udio NRS-a kao referentne stope u kreditima stanovništvu premašuje udjele EURIBOR-a i LIBOR-a, koje su kreditne institucije ranije preferirale.
He stressed the role of the Croatian National Bank in informing and educating consumers about the risks arising from individual loan elements, noting that the final decision on specific loan parameters always rested with the consumers. 
Naglasio je ulogu Hrvatske narodne banke u informiranju i educiranju potrošača o rizicima koji proizlaze iz pojedinih elemenata kredita, pri čemu je konačna odluka o konkretnim parametrima kredita uvijek na potrošačima.
Liquidity risk is seen as an increasingly important risk factor. 
Faktor rizika koji se sve više ističe je rizik likvidnosti.
Namely, steady growth in deposits is accompanied by a simultaneous change in the structure of deposits in favour of deposits in transaction accounts and savings deposits, which are more sensitive to disturbances. 
Naime, depoziti postojano rastu, ali se istodobno mijenja struktura depozita u korist depozita na transakcijskim računima i štednih depozita, koji su mnogo osjetljiviji na poremećaje.
This risk is even higher if one bears in mind the fact that banks use growing kuna deposits in current accounts to grant long-term consumer and housing loans in kuna. 
Taj je rizik tim veći ima li se na umu činjenica da se rastućim iznosima kunskih depozita na tekućim računima banke koriste kako bi odobrile dugoročne potrošačke i stambene kredite u kunama.
Survey results show that a considerable number of small and medium-sized enterprises are faced with difficulties in access to loans, which is very often the result of insufficient capital and lack of collateral. 
Rezultati anketa pokazuju da se znatan dio malih i srednjih poduzeća suočava s poteškoćama u pristupu kreditima, što je vrlo često rezultat nedovoljnoga kapitala i nedostatka kolaterala.
While monetary policy cannot do much here, the strengthening of guarantee schemes can, as the latter are less developed than in comparable countries and offer scope for improvement, Vicegovernor Šošić noted in conclusion. 
Monetarna politika tu ne može mnogo napraviti, ali može jačanje jamstvenih shema koje su u Hrvatskoj slabije razvijene nego u usporedivim zemljama, zaključio je viceguverner Šošić.
The participants in the panel discussion included, in addition to Vicegovernor Vedran Šošić: Luka Burilović, President of the Croatian Chamber of Economy; Saša Drezgić, Deputy Minister of Finance; Petar Pierre Matek, Management Board President of the Croatian Financial Services Supervisory Agency; Ivan Jandrić, President of the Association of Banks at the CCE; and Marijan Kralj, Council Member of the Association of Insurers at the CCE. 
U panel-diskusiji osim Vedrana Šošića sudjelovali su i Luka Burilović, predsjednik Hrvatske gospodarske komore, Saša Drezgić, zamjenik ministra financija, Petar Pierre Matek, predsjednik Upravnog vijeća Hrvatske agencije za nadzor financijskih usluga, Ivan Jandrić, predsjednik Udruženja banaka HGK-a, i Marijan Kralj, član Udruženja osiguravatelja HGK-a.
Reproduction 
Reproduciranje
In accordance with Article 24 of the Act on the Croatian National Bank, the Croatian National Bank is the holder of all proprietary rights and copyrights on kuna banknotes and kuna and lipa coins in circulation. 
U skladu sa Zakonom o Hrvatskoj narodnoj banci, člankom 24., Hrvatska narodna banka nositelj je svih imovinskih autorskih prava na novčanicama i optjecajnome kovanom novcu koji glase na kune i lipe.
The reproduction of kuna banknotes and kuna and lipa coins in circulation is subject to prior approval of the Croatian National Bank. 
Reproduciranje novčanica i optjecajnoga kovanog novca koji glase na kune i lipe nije dopušteno bez prethodnog pristanka Hrvatske narodne banke.
The Croatian National Bank authorises the reproduction of the banknotes it issues only where the banknote or its reproduction is not of central importance, and for photographs, drawings, pictures, films and, in general, for any work which does not contain an enlarged version of the banknote design, if the length and width of the reproduction has been increased by over 125% or decreased by less than 75%, notwithstanding the material used for the reproduction. 
Hrvatska narodna banka odobrava reproduciranje novčanica koje je izdala samo kada prikaz novčanice ili njezina reprodukcija nema središnje značenje, a za fotografije, crteže, slike, filmove i općenito bilo koje djelo koje ne sadržava uvećanu verziju dizajna novčanice, ako je duljina i širina reprodukcije uvećana za više od 125% ili umanjena za manje od 75%, bez obzira na materijal koji se rabi za reprodukciju.
The Croatian National Bank must authorise any other manner of reproduction and it may revoke such authorisation in case of the infringement of inalienable moral rights of the author of the banknote design. 
Hrvatska narodna banka mora odobriti svaki način reproduciranja te u slučaju povrede neotuđivih moralnih prava autora dizajna novčanica to odobrenje može u bilo kojem trenutku povući.
Dear Mr Speaker, ladies and gentlemen Members of the Parliament, ladies and gentlemen, 
Poštovani gospodine Predsjedniče, uvažene zastupnice i zastupnici, poštovane dame i gospodo,
Accordingly, this Annual Report of the Croatian National Bank has been submitted to the Croatian Parliament. 
sukladno Zakonu, Hrvatska narodna banka dva puta godišnje obavještava Hrvatski sabor o financijskom stanju, stupnju ostvarenja stabilnosti cijena i provedbi monetarne politike.
With this in view, let me begin with an assessment of the general pace of economic activity in the previous period. 
Na tome tragu započinjem s ocjenom opće dinamike gospodarske aktivnosti u proteklom razdoblju.
The real GDP mostly stagnated at the low level of the end of 2013, while the gross domestic product in the Republic of Croatia reduced by 0. 
Realni BDP uglavnom je stagnirao na niskoj razini s kraja 2013. godine, a na godišnjoj razini bruto domaći proizvod u Republici Hrvatskoj realno se smanjio za 0,4%, zbog pada gospodarske aktivnosti u drugoj polovini 2013.
4% in real terms on an annual level due to the decline in economic activity in the second half of 2013. 
Pritom se bruto domaća vrijednost (BDV) smanjila u većini djelatnosti, a ponajviše u građevinarstvu i primarnim djelatnostima (poljoprivreda, šumarstvo i ribarstvo).
On the other hand, manufacturing showed signs of recovery. 
S druge strane, prerađivačka industrija pokazala je znakove oporavka.
In 2014, a positive contribution to economic developments came primarily from the growth in exports. 
U 2014. godini pozitivan doprinos gospodarskim kretanjima došao je prvenstveno od rasta izvoza.
In contrast, however, domestic demand continued to contract, again primarily due to the renewed slump in investments, household deleveraging and a negative economic outlook. 
Nasuprot tome, domaća potražnja nastavila se smanjivati, a glavni razlozi su bili ponovno intenziviranje pada investicija, razduživanje kućanstava te nepovoljna očekivanja o budućim gospodarskim kretanjima.
Such trends in the real economic activity also affected the labour market. 
Takva kretanja realne gospodarske aktivnosti odrazila su se i na tržište rada.
By contrast, the number of unemployed persons registered with the Croatian Employment Service (CES) decreased sharply. 
Broj registriranih nezaposlenih osoba pri HZZ-u, nasuprot tome, snažno se smanjio.
This was predominantly a result of the increased removal of unemployed persons from the CES register due to their failure to meet legal requirements. 
To je prvenstveno bila posljedica pojačanog brisanja onih nezaposlenih osoba iz evidencije HZZ-a koje se nisu pridržavale zakonskih odredbi.
4%) due to the fall in consumer prices. 
Što se događalo s općom razinom cijena?
It should be noted that inflation developments were predominantly driven by a decrease in raw material prices in the world market, in particular the prices of food, which spilled over to domestic prices. 
Važno je istaknuti da je na kretanje inflacije najveći utjecaj imalo smanjenje cijena sirovina na svjetskom tržištu, i to posebice cijena prehrambenih sirovina koje su se prelile na domaće cijene.
The contribution of unprocessed and processed food products to annual inflation thus decreased from 1.5 percentage points in 2013 to -0.3 percentage points in 2014. 
Tako se doprinos prehrambenih proizvoda ukupnoj godišnjoj inflaciji smanjio s 1,5 postotnih bodova u 2013. na -0,3 postotna boda u 2014.
In addition, the sharp decrease in the world crude oil prices in the last quarter of 2014 spilled over to domestic prices. 
Dodatno, snažni pad cijena sirove nafte na svjetskom tržištu u posljednjem tromjesečju 2014. prenio se na domaće cijene.
The trend of a decline in crude oil prices was visible in the global market since July and gained momentum in November and December, with the average price of Brent crude oil of USD 56 in late 2014 being 50% lower than in mid-year. 
Trend pada cijena sirove nafte na svjetskom tržištu bio je prisutan od srpnja, a pojačao se tijekom studenog i prosinca pa je cijena barela nafte tipa Brent od 56 USD zabilježena krajem godine bila za 50% niža od cijene zabilježene sredinom godine.
Weak foreign and domestic economic activity and low core inflation in the euro area also contributed, though to a lesser extent, to the decline in domestic inflation in 2014. 
Slaba inozemna i domaća gospodarska aktivnost i niska temeljna inflacija u euro području također su, ali u manjoj mjeri, pridonijele smanjenju domaće inflacije u 2014.
The absence of domestic cost pressures, which is evident in stagnant unit labour costs, further supported low inflation. 
Odsustvo domaćih troškovnih pritisaka, koje se ogleda u stagnaciji jediničnih troškova rada, dodatno je pridonosilo ostvarivanju niske inflacije.
And now more about Croatia's foreign trade, capital flows and external debt: 
Osvrnut ću se sada na međunarodnu razmjenu Republike Hrvatske, tokove kapitala i inozemni dug.
For the second year in a row, the balance of payments current account boasted a surplus, totalling 0. 
Tekući račun platne bilance u 2014. već je drugu godinu zaredom zabilježio višak koji je iznosio 0,7% BDP-a u usporedbi s 0,8% BDP-a ostvarenih u 2013.
The greatest contribution to such a result came from the exports of services amid the growth of tourism revenues, as well as goods exports outstripping goods imports. 
Istovremeno su rast dobiti banaka i poduzeća u stranom vlasništvu te povećani kamatni troškovi po inozemnim obvezama, prvenstveno države, umanjivali višak tekućeg računa.
At the same time, increased profits of banks and enterprises in foreign ownership and increased interest expenses on foreign liabilities, primarily of the state, worked in the opposite direction. 
Osim toga, višak se smanjio u usporedbi s prethodnom godinom zbog slabije raspodjele sredstava primljenih iz EU fondova krajnjim korisnicama u odnosu na uplate države u proračun EU-a.
In addition, the surplus decreased from the previous year because the funds received from the EU funds allocated to final users were lower than government payments to the EU budget. 
Pritom treba istaknuti da se na tekućem i kapitalnom računu platne bilance evidentiraju samo sredstva isplaćena krajnjim korisnicima, dok se primljena, ali neraspoređena sredstva bilježe na financijskom računu.
Taking into account the non-allocated funds as well, the overall balance in transactions with the EU was positive in 2014. 
Uzmu li se u obzir i neraspoređena sredstva, ukupan saldo transakcija s EU-om bio je pozitivan u 2014.
Foreign capital flows in 2014 were mostly influenced by an improvement in the net debt position of banks, which reduced their foreign liabilities and increased their foreign assets at the same time. 
Na tokove kapitala s inozemstvom u 2014. u najvećoj je mjeri utjecalo poboljšanje neto dužničke pozicije banaka, koje su istovremeno i smanjile svoje inozemne obveze i povećale inozemnu imovinu.
By contrast, government debt increased, albeit much less than in 2013, as the government covered some of its financial needs in advance in late 2013. 
S druge strane, dug države je porastao, premda znatno manje nego 2013. godine jer je država dio financijskih potreba osigurala potkraj 2013. godine.
Net foreign direct investments were larger than in 2013, mostly due to higher profits of foreign-owned domestic banks, while inflows of equity investments, excluding the impact of a round-tripping direct investment in 2014, were weaker than the year before. 
Neto inozemna izravna ulaganja povećala su se u odnosu na 2013., no prije svega zbog rasta dobiti domaćih banaka u stranom vlasništvu, dok je priljev vlasničkih ulaganja, isključi li se utjecaj kružnog izravnog ulaganja u 2014., bio slabiji nego godinu prije.
The bulk of investments related to other business activities, real estate activities and hotels and restaurants. 
Najviše ulaganja ostvareno je u ostalim poslovnim djelatnostima, poslovanju nekretninama te hotelima i restoranima.
A review of Croatia's net debt position of Croatia shows that its improvement, which began as early as 2011, continued into 2014. 
Promatra li se neto dužnička pozicija Hrvatske, njezino poboljšanje, koje je započelo još 2011., nastavljeno je i u 2014.
2bn at the year-end, or 58. 
EUR, odnosno 58,5% BDP-a.
8bn in 2014 and reached the figure of EUR 46. 
EUR i dosegnuo 46,7 mlrd.
7bn. 
EUR.
The relative indicator of gross external debt deteriorated due to the rising debt and falling GDP, reaching 108. 
Njegov rast isključivo je posljedica nepovoljnog učinka međuvalutnih promjena uslijed jačanja američkog dolara prema euru, iako je u većini izdanja obveznica ugrađena zaštita od tečajnog rizika.
7bn at the end of 2014, down 1. 
Na kraju 2014. međunarodne pričuve RH iznosile su 12,7 mlrd.
7% from the end of the previous year. 
EUR, što je za 1,7% manje nego na kraju prethodne godine.
The reserves decreased on account of the net sale of foreign currency, totalling EUR 0. 
Na pad pričuva utjecale su neto prodaje deviza u ukupnom iznosu od 0,2 mlrd.
2bn, and a withdrawal of funds from the government's foreign currency deposit with the CNB, while they were given a boost from investment income and foreign exchange gains. 
EUR i smanjenje deviznog depozita države kod HNB-a, dok je u smjeru porasta pričuva djelovala ostvarena zarada od njihovog ulaganja te pozitivne tečajne razlike.
In contrast to gross reserves, net usable reserves went up by EUR 0. 
Za razliku od bruto pričuva, neto raspoložive pričuve povećale su se u 2014. za 0,1 mlrd.
7bn at the year-end. 
EUR.
Notwithstanding the decrease in gross international reserves, the indicator of their adequacy, measured by the coverage of short-term external debt by remaining maturity, improved slightly. 
Unatoč smanjenju bruto međunarodnih pričuva, pokazatelj njihove dostatnosti, mjeren pokrićem kratkoročnog inozemnog duga prema preostalom dospijeću, blago se poboljšao.
As usual, in 2014, international reserves continued to be managed according to the principles of high safety and liquidity. 
Kao i do sada, i u 2014. godini međunarodnim pričuvama RH nastavilo se upravljati na načelima visoke sigurnosti i likvidnosti.
Turning to the banking sector which was also affected by the previously described unfavourable macroeconomic developments. 
Prijeđimo sada na bankarski sektor, na koji su se također odrazila prije opisana, nepovoljna makroekonomska kretanja.
The indicators of bank profitability in 2014 were much below the levels which are considered to be good, although they improved slightly from 2013, and bank profit recovered in 2014, following a sharp decline in 2013. 
Pokazatelji profitabilnosti banaka u 2014. znatno su ispod razina koje se smatraju dobrima, iako su se blago poboljšali u odnosu na 2013., a dobit banaka se oporavila u 2014. nakon snažnog smanjenja u 2013.
Reduced expenses on loss provisions were the main factor contributing to the increase in profit, even though they continued to impose a heavy burden on the operating results of banks. 
Smanjeni troškovi rezerviranja za gubitke bili su najvažniji čimbenik povećanja dobiti, premda su i dalje znatno opterećivali poslovne rezultate banaka.
Income generated from the sale of parts of operations rose, while the general costs continued to fall and income from fees and commission rose considerably. 
Međutim, osnovni izvor zarade, kamatni prihod, nastavio je pad uslijed slabe kreditne aktivnosti, rasta problematičnih potraživanja i novih pravila potrošačkog kreditiranja.