natgillin/translations-raw huggingface dataset:
The Croatian National Bank redeems valid kuna banknotes and kuna and lipa coins from banks, specialised cash transport and processing companies and from companies with head offices abroad that handle and process banknotes and coins as part of their professional as part of their professional activities. 
Hrvatska narodna banka otkupljuje važeće novčanice i kovani novac kuna i lipa od banaka, specijaliziranih tvrtki za prijevoz i obradu gotovog novca te tvrtki čija je poslovna djelatnost povezana s rukovanjem i obradom novčanica i kovanog novca, a čije je sjedište u inozemstvu.
Conditions for the redemption of banknotes and coins from abroad 
Preduvjeti za otkup novčanica iz inozemstva
The Croatian National Bank redeems only valid kuna banknotes and kuna and lipa coins of appropriate quality which are not damaged. 
Hrvatska narodna banka otkupljuje samo važeće novčanice i kovani novac kuna i lipa primjerene kakvoće, a koje ne spadaju u kategoriju oštećenih novčanica i oštećenog kovanog novca.
Banknotes and coins of appropriate quality are those that may be handled by processing and authentication machines with no need for additional analyses. 
Pod primjerenom kakvoćom podrazumijeva se kakvoća novčanice i kovanog novca koja će omogućiti strojnu obradu i provjeru autentičnosti bez dodatnih analiza.
Damaged banknotes and coins as well as invalid banknotes are submitted for exchange to the Croatian National Bank under the special conditions laid down in the Decision on handling kuna banknotes and kuna and lipa coins unfit for circulation . 
Oštećene novčanice i oštećeni kovani novac kao i nevažeće novčanice podnose se na zamjenu Hrvatskoj narodnoj banci prema posebnim uvjetima za oštećene novčanice i kovani novac utvrđenima Odlukom o rukovanju novčanicama i kovanim novcem kuna i lipa neprikladnima za promet .
Redemption of banknotes and coins from abroad 
Postupak otkupa novčanica iz inozemstva
When sending valid banknotes or coins to be redeemed, the sender must do the following: 
Pošiljatelj važećih novčanica ili kovanog novca u svrhu otkupa dužan je postupiti prema sljedećem:
notify the Croatian National Bank of the intended delivery using the following e-mail address: nac.hr@hnb.hr ; 
najaviti moguću pošiljku Hrvatskoj narodnoj banci na e-adresu: nac.hr@hnb.hr
state in the notification the name and head office of the company, the core business activity, the way of coming into possession of the banknotes or coins and the instructions for the payment of their redemption value; 
pošiljatelj je u najavi obvezan navesti naziv i sjedište tvrtke, osnovnu djelatnost te način stjecanja vlasništva nad novčanicama ili kovanim novcem i instrukcije za plaćanje otkupa novčanica ili kovanog novca
specify the banknotes or coins by the number of items, denomination and total value; 
specifikaciju novčanica ili kovanog novca prema količini, apoenima i ukupnim iznosima
enclose a statement confirming that the banknotes or coins have the required quality and that they have not been exposed to hazardous substances that may pose a health risk to CNB employees when they come into contact with the delivered package; 
izjavu da su novčanice ili kovani novac tražene kakvoće i da nisu bili izloženi štetnom djelovanju koje može imati posljedice za zdravlje zaposlenika HNB-a nakon što dođu u doticaj s pošiljkom
provide information on the delivery method (specialised transport companies, personal delivery, etc.). 
podatke o načinu dostave pošiljke (prijevoz specijaliziranih tvrtki, slanje poštom, osobna dostava ili slično).
The Croatian National Bank will analyse the notification and, if all the conditions are fulfilled, confirm that it will accept the delivery, indicating the possible date of delivery. 
Nakon što zaprimi najavu, Hrvatska narodna banka analizirat će najavu te će uvjetno pismenim putem odobriti prihvat pošiljke i odrediti mogući termin dostave.
Before the delivery is sent/received, the Croatian National Bank will communicate in writing the following information to the sender: 
Hrvatska narodna banka istodobno će, a prije slanja/zaprimanja pošiljke, iskazati pismenim putem pošiljatelju sljedeće:
the delivery processing fee amounting to 3% of the total value of the delivery; 
iznos naknade za obradu pošiljke od 3% ukupnog iznosa primljene pošiljke
the redemption value for the delivery in the required currency, less the processing fee, calculated at the exchange rate of the Croatian National Bank applicable on the date the processing of the delivery is completed. 
iznos otkupa ostatka pošiljke u traženoj valuti, a nakon odbitka naknade, primjenjujući važeći tečaj s tečajne liste Hrvatske narodne banke na dan završetka obrade pošiljke.
The sender complying with the conditions of the Croatian National Bank is required to confirm in writing the acceptance of the conditions and the intent to make delivery. 
Ako pošiljatelju odgovaraju uvjeti Hrvatske narodne banke, obvezan je pismenim putem potvrditi da prihvaća uvjete i da će dostaviti pošiljku.
Processing deadline 
Rok obrade
The Croatian National Bank will process the delivery at the latest within a fortnight following its receipt and it will inform the sender in writing of the results of the processing and of the payment of the redemption value. 
Hrvatska narodna banka dogovorenu će pošiljku nakon primitka obraditi u roku od najviše četrnaest dana te će pošiljatelja pismeno obavijestiti o rezultatima obrade i plaćanju otkupa.
Should it be ascertained in the processing of the delivered banknotes or coins that their quality fails to met the required standards, the sender will be charged a fee in the amount of an additional 10% of the total value of the delivery received. 
Ako se u postupku obrade dogovorene pošiljke novčanica ili kovanog novca ustanovi da kakvoća novčanica ili kovanog novca ne odgovara traženoj kakvoći, pošiljatelju će biti obračunata naknada za obradu pošiljke od dodatnih 10% ukupnog iznosa zaprimljene pošiljke.
The Croatian National Bank will compile a written report, accompanied by photographs, on the processing of the banknotes and coins in question and send it to the sender. 
Utvrđeno stanje Hrvatska narodna banka dokumentirat će pismenim izvještajem o obradi i fotografijama spornih novčanica ili kovanog novca, a što će biti dostavljeno pošiljatelju.
Should a package be sent to the Croatian National Bank with no prior notification or with no approval from the Croatian National Bank, it will not be received, but returned. 
Ako u Hrvatsku narodnu banku bude upućena nenajavljena pošiljka ili pošiljka poslana bez odobrenja Hrvatske narodne banke, ona neće biti zaprimljena, već će biti vraćena.
The address of the governor of the CNB Marko Škreb to the Croatian State Parliament 
Izlaganje guvernera HNB-a dr. Marka Škreba u Hrvatskom državnom saboru
Marko Škreb, PhD, governor of the Croatian National Bank from March 1996 till July 2000 
Dr. Marko Škreb, na dužnosti guvernera HNB-a od ožujka 1996. do srpnja 2000.
Since about a year has passed from the time these reports were written until this debate in the Croatian State Parliament, I shall restrict myself to just some of the most important topics, referring the while to the most significant indicators and information. 
Kako je od pisanja izvješća do ove rasprave u Hrvatskom državnom saboru proteklo otprilike godinu dana, ograničit ću se samo na neke, najvažnije teme, oslanjajući se pritom i na najnovije pokazatelje i saznanja.
The honourable House should be reminded, perhaps, that we are not the only country faced with high banking costs in the transition. 
Valja podsjetiti ovaj visoki dom da nismo jedina zemlja suočena s visokim troškovima bankarstva u tranziciji.
Almost all the transitional countries have passed through two banking crises: 
Gotovo sve tranzicijske zemlje prošle su kroz dvije bankovne krize:
the first was the crisis of the old banks with their heritage (dubious assets) from the previous economic system and 
prvu krizu tzv. starih banaka s naslijeđem (lošom aktivom) iz prošlog ekonomskog sustava
the second crisis, occurring in banks founded after changes in the economic system that were not able to remain viable, because of either weak management and/or increased competition in the market as the transition period progressed. 
drugu krizu dijela banaka osnovanih nakon promjene ekonomskog sustava koje nisu uspjele opstati zbog slabog upravljanja i/ili jačanja konkurencije na tržištu s napretkom tranzicije.
The first banking crisis, the crisis of the old banks, as they were called, started with the beginning of the transition process (and even before it), and is even now ending with the sale of the rehabilitated state banks to foreign strategic investors. 
Prva je bankovna kriza, kriza tzv. starih banaka, započela s početkom procesa tranzicije (pa i prije toga), a upravo završava prodajom rehabilitiranih državnih banaka stranim strateškim ulagačima.
Among the costs of this crisis, brought about by the heritage of the past and, partially, as is too often forgotten, by the enormous consequences of the war, I would count: 
U troškove te krize, izazvane naslijeđem prošlosti i, djelomično, golemim posljedicama rata na koje se prečesto zaboravlja, ubrajam:
the issuing of the so-called big bonds in 1991, in the amount of about $990 million, 
izdavanje tzv. velikih obveznica 1991. godine u iznosu od oko 990 milijuna američkih dolara,
the 1992 conversion of foreign currency savings into a public debt, in the amount of $3,190 million and 
pretvaranje devizne štednje u javni dug 1992. godine u iznosu od oko 3.190 milijuna američkih dolara i
the rehabilitation of Slavonska Banka, Splitska Banka, Riječka Banka and Privredna Banka, during the period from 1995 to 1996, at a cost of $473 million. 
sanaciju Slavonske, Splitske, Riječke i Privredne banke Zagreb, u razdoblju od 1995. do 1996. godine, u ukupnom iznosu od oko 473 milijuna američkih dolara.
All told, the costs of the first banking crisis, as it is called, can be estimated at about $4,653 million. 
Ukupno, troškove tzv. prve bankovne krize možemo procijeniti na oko 4.653 milijuna američkih dolara.
The precise amount of the costs of the first banking crisis is hard to estimate because in the estimates one should not forget revenue, i.e., items that reduce the total costs, such as, for example, income from the privatisation of banks, salaries, profits and tax revenue that the rehabilitated banks would not have been able to make, or to pay, if they had collapsed. 
Točan je iznos troška prve bankovne krize teško utvrditi jer u navedenim procjenama ne treba zaboraviti prihode, tj. stavke koje ukupan trošak umanjuju, a to su, primjerice, prihodi od privatizacije banaka, te plaće, dobit i porezne prihode što ih sanirane banke ne bi ostvarile, odnosno uplatile, da su propale.
There is no doubt that these costs have been very high, placing Croatia among countries with the highest costs for the solution of the banking crisis in terms of proportion of GDP, which has been several times analysed and highlighted in CNB reports, as well as in public statements made by employees of the central bank. 
Nema sumnje da su ti troškovi vrlo visoki i svrstavaju Hrvatsku među zemlje s najvišim troškovima rješavanja bankarske krize u omjeru prema bruto domaćem proizvodu (BDP-u), što je više puta detaljnije analizirano i isticano u radovima HNB-a, kao i u javnim istupima djelatnika središnje banke.
These high costs are typical of countries caught up in a war, like Kuwait and Israel in parts of their histories. 
Tako visoki troškovi tipični su za zemlje zahvaćene ratom, poput Kuvajta (45%) i Izraela (25%) u jednom dijelu njihove povijesti.
The second feature of the crisis is the costs of the payment of insured savings deposits in banks in which bankruptcy proceedings have been started. 
Drugi izraz te krize su troškovi isplate osigurane štednje u bankama nad kojima je otvoren stečajni postupak.
These costs were a charge upon the Budget, because not enough premium income had been collected in the fund of the State Agency for Deposit Insurance and Bank Rehabilitation. 
Podsjećam da je u 1998. i 1999. godini Hrvatska narodna banka zatražila pokretanje stečajeva za 9 banaka i 4 štedionice.
I would recall that in 1998 and 1999, the Croatian National Bank required that bankruptcy proceedings be started in nine banks and four savings banks, while it withdrew the operating permit from one branch of a foreign bank, one bank and six savings banks. 
Uz to, u 2000. godini HNB je zatražio otvaranje stečajeva nad još 3 banke i jednom štedionicom i ukinuo odobrenje za rad jednoj podružnici strane banke, jednoj banci i 6 štedionica.
The cost of paying out insured savings in the case of banks and savings banks where bankruptcy proceedings have already started can be estimated as being in the region of $400 million. 
Trošak isplate osigurane štednje kod banaka i štedionica nad kojima je već otvoren stečajni postupak može se procijeniti na oko 400 milijuna američkih dolara.
Once again, this is an estimate. 
Opet se radi o procjeni.
If bankruptcies and liquidations that have been proposed should be initiated, this could increase the costs by some additional $50 million. 
Ako i kada predloženi stečajevi budu pokrenuti, to bi moglo povećati troškove za dodatnih 50-ak milijuna američkih dolara.
Accordingly, the total costs of the second banking crisis could be estimated at about $800 million. 
Dakle, ukupni bi se troškovi druge bankovne krize mogli procijeniti na oko 800 milijuna američkih dolara.
If we add together the costs of the first and the second crisis (with the renewed qualification that this is a matter of gross costs and outline amounts), we will arrive at the sum of about $5.45 billion. 
Zbrojimo li troškove prve i druge krize (uz ponovljenu ogradu da se radi o bruto troškovima i okvirnim iznosima), dolazimo do iznosa od oko 5,45 milijardi američkih dolara.
Of this, about 85% is accounted for by the first crisis, and 15% by the second. 
Od toga na prvu bankovnu krizu otpada oko 85 posto, a na drugu oko 15 posto troška.
The first crisis, then, was much larger, much more dangerous to the whole of the economic system than the 1998 crisis. 
Prva je bankovna kriza bila dakle mnogo veća i opasnija za cjelokupni gospodarski sustav nego kriza iz 1998. godine.
Accordingly, I would like to emphasise the fact that the crisis is on the whole a thing of the past. 
Želim naglasiti da je ta kriza svojim najvećim dijelom iza nas.
Here I shall not refer to the causes of the first crisis, because I believe that the socialist inheritance and the consequences of the war are well known to the public at large. 
Ovdje se neću osvrtati na uzroke prve bankovne krize jer vjerujem da su socijalističko naslijeđe i posljedice rata dobro poznati široj javnosti.
I shall, however, have a little more to say about the causes of the second banking crisis. 
Doduše, nije poznato da smo u samostalnost 1990. godine krenuli s negativnim kapitalom svih banaka i to od 2 mlrd US $.
What, in my estimation, were its main causes? 
Nešto više ću reći o uzrocima druge bankovne krize.
It started with the over-indulgent granting of operating licenses for banks in the first half of the nineties. 
Ona je počela previše širokogrudnim davanjem odobrenja za rad banaka u prvoj polovici devedesetih godina.
There was not enough caution with respect to the number of banks, and not enough with respect to the people who were installed in managerial positions in the bank. 
Oprez je izostao i u pogledu broja banaka, i u pogledu ljudi koji su postavljani na rukovodeća mjesta u bankama.
However, it should be recalled that then the Law did not even seek the so-called prior agreement of the central bank for the appointment of managers, that is the Managements, of the banks, but only some non-binding opinion. 
Međutim, valja podsjetiti da tada Zakon i nije tražio tzv. prethodnu suglasnost središnje banke pri imenovanju rukovodećih ljudi, odnosno uprava banaka, već samo neobvezujuće mišljenje.
At the time I was appointed Governor, in March 1996, 55 operating licenses had already been issued to banks. 
U času kad sam izabran za guvernera, u ožujku 1996., već je bilo izdano 55 odobrenja za rad banaka.
After that, only six new banking operating licenses were issued (Tršćanska Štedionica - Banka, Hypo Banka Croatia, Libertas Banka Dubrovnik - which was never opened - Bank Austria Croatia, Volksbank, BNP -Dresdner Bank Croatia, Société Générale - which is not working, but at no cost to the taxpayer - and Bayerische Hypo- und Vereinsbank). 
Prevelik broj banaka i/ili loše uprave i nadzorni odbori u dijelu banaka koje su namjerno kršile ne samo propise već i sva načela zdravoga bankarskog poslovanja doveli su za nekoliko godina dio banaka u bezizlaznu situaciju.
What ought to be obvious but, it seems, needs constantly repeating, is the simple fact that for the poor performance of the banks that have collapsed it is primarily the people who were managing these banks that are responsible - their management and supervisory boards. 
Ono što bi trebalo biti očito, no izgleda da treba stalno ponavljati, jest jednostavna činjenica da su za loše poslovanje propalih banaka odgovorni prije svih oni koji su tim bankama upravljali - znači njihove uprave i nadzorni odbori.
It is not the CNB that made the bad business decisions, or lent money that could not be collected, but the managements of the banks. 
Nije HNB donosio loše poslovne odluke, odnosno plasirao sredstva tako da se ne mogu vratiti, već uprave banaka.
Supervision of the banks does not exist to stop bad lending practice, but to observe and penalise it. 
I ne služi nadzor banaka tomu unaprijed da spriječi loš plasman, već da ga uoči i sankcionira.
May I be permitted to observe that it is in the very essence of the market economy that every individual player makes its own business decisions and, which is crucial, bears all the consequences of these decisions, including the possible institution of bankruptcy proceedings. 
Dopustite mi istaknuti da je u samoj biti tržišnoga gospodarstva da svaki pojedini subjekt za sebe donosi poslovne odluke i, a to je ključno, snosi za te odluke sve posljedice, uključujući i moguće otvaranje stečaja.
The CNB cannot and may not manage the commercial banks, except when the situation has already become so serious that a provisional administrator has to be appointed to protect the creditors (including the depositors) of the bank, which was made possible only by the new Banking Law of the end of 1998. 
HNB ne može i ne smije upravljati poslovnim bankama, osim kada situacija već postane tako ozbiljna da je potrebno imenovati privremenog upravitelja kako bi se zaštitili vjerovnici (znači i štediše) banke, a i to je omogućeno tek novim Zakonom o bankama s kraja 1998. godine.
One has to be aware that there is no supervisory institution that can in advance keep a check on every single transaction in a commercial bank. 
Valja znati da niti jedna nadzorna institucija ne može unaprijed kontrolirati svaku pojedinu transakciju u poslovnoj banci.
There is risk inherent in the very concept of the market, and not every decision in business, however well meaning it might be, can always be successful. 
U samoj je biti tržišta rizik, pa ni svaka poslovna odluka, ma kako dobronamjerna bila, ne mora polučiti uspjeh.
Furthermore, as I have said frequently, there is hardly a country in the world that has not had to come to terms with a banking crisis within the last fifteen years, from the USA to Sweden, Finland to Japan, from Estonia and Latvia to the Czech Republic and Hungary. 
Štoviše, već sam često isticao da gotovo i nema zemlje na svijetu koja nije bila u posljednjih petnaestak godina suočena s bankarskom krizom, od SAD-a do Švedske, od Finske do Japana, od Estonije i Latvije do Češke i Mađarske.
Once again, I have to say in public that the procedures of some of the members of bank management and supervisory boards that denounce the CNB for the bad management of the banks that they managed or supervised are absurd. 
Još jednom moram javno reći da su apsurdni postupci pojedinih članova uprava banaka i nadzornih odbora koji prozivaju HNB za loše poslovanje banaka kojima su oni upravljali ili koje su nadzirali.
It is the same as if the manager of some company denounced the financial police, claiming that they were to blame for his having run his company badly or having embarked on some legally forbidden activity. 
To je slično kao kada bi direktor nekog poduzeća prozvao financijsku policiju da je odgovorna za to što je on loše upravljao poduzećem ili što se upuštao u zakonom zabranjene aktivnosti.
Like a driver who has been stopped by the traffic police accusing the policeman for his having driven too fast. 
Ili kada bi vozač, nakon što ga je zaustavio prometni policajac, policajca optužio za to što je on prebrzo vozio.
I have to say that it is actually quite amazing that such pieces of logical bravura can be sold to the public, day after day, case after case. 
Moram reći da je upravo nevjerojatno da se takve logičke bravure mogu iz dana u dan i iz slučaja u slučaj plasirati javnosti.
I hold the calls of some politicians and business people that the Governor of the Croatian National Bank be dismissed as a result of such kinds of accusation to be the absolute height of absurdity. 
A pravim vrhuncem apsurda smatram pozive nekih političara i poslovnih ljudi da se pod pritiskom takve vrste optužaba smijeni guverner Hrvatske narodne banke.
Secondly, the CNB started building up most of its functions practically from zero when Croatia became independent. 
Drugo, HNB je većinu svojih funkcija počeo graditi s osamostaljenjem Hrvatske praktično od ništice.
At the beginning of the nineties, there was no Supervision and Control Section capable of effective supervision of the banks in the contemporary sense. 
Početkom devedesetih Sektora nadzora i kontrole osposobljenog za djelotvoran nadzor banaka u suvremenom smislu i nije bilo.
And when I took over the duty of governor in March 1996, this department, although already considerably better equipped, was quite clearly inadequately prepared to deal with the problems of the rapidly developing but already bloated transitional banking system, with its almost 60 banks and some twenty savings banks. 
I kada sam preuzeo dužnost guvernera u ožujku 1996. godine, taj je sektor, iako već znatno bolje ekipiran, bio očito nedovoljno spreman da se nosi s problemima vrlo brzo rastućeg, ali već nabujaloga tranzicijskog bankarskog sustava s gotovo 60 banaka i dvadesetak štedionica.
What has, however, been achieved in the meantime in the CNB in the area of bank supervision will be addressed later. 
Za to su potrebne godine obrazovanja, rada i stjecanja iskustva.
Accordingly, it was only then that we could take effective measures vis-a-vis banks in which we had earlier spotted problems. 
Stoga smo tek tada mogli poduzeti djelotvornije mjere prema bankama, u kojima smo i ranije uočavali naznake problema.
It was actually thanks to the urging of the CNB that the last government proposed the kind of law that gave us the necessary authority. 
Upravo je na inzistiranje HNB-a prethodna Vlada predložila takav zakon koji nam je dao potrebne ovlasti.
Fourthly, something that certainly did not help the central bank to supervise banking institutions, at least from the time I have been at the head of it, was the political climate in which the banking system developed, a political climate, throwbacks to which have been visible in the last few days, in which there were attempts to get the CNB to act at variance with the law through political pressure. 
Četvrto, ono što zacijelo nije pomagalo središnjoj banci u nadzoru bankarskih institucija, barem od kada sam ja na čelu te institucije, bila je politička klima u kojoj je bankovni sustav rastao, a to je politička klima, koje se recidivi mogu jasno vidjeti posljednjih dana.
The general public is probably not aware that in most developed countries, the major part of the supervisory work of the central bank is done through what is called moral persuasion. 
Široj javnosti sigurno nije poznato da se u većini razvijenih zemalja najveći dio supervizijskog posla središnje banke obavlja posredstvom tzv. moralnog uvjeravanja.