natgillin/translations-raw huggingface dataset:
By letter of 8 December 1999, Germany supplied information on the transfer of WKA and WAK to LSH, supplementing that information in a letter of 22 January 2001.
Nemčija je nato v pismu z dne 8. decembra 1999 predložila informacije o prenosu WKA in WAK na LSH, ki jih je dopolnila v pismu z dne 22. januarja 2001.
Germany replied to a further request for information dated 22 February 2001 by letter of 3 May 2001.
Na nadaljnje poizvedbe z dne 22. februarja 2001 je Nemčija odgovorila s pismom z dne 3. maja 2001.
By letter of 13 November 2002, the Commission informed Germany of its decision to initiate the formal investigation procedure laid down in Article 88(2) of the EC Treaty in respect of the transfer of WKA, WAK and the special-purpose real-estate reserve of the Land of Schleswig-Holstein to LSH.
Komisija je v pismu z dne 13. novembra 2002 Nemčijo obvestila o svojem Sklepu, da bo v zvezi s prenosom WKA, WAK in nepremičnin kot rezerve za posebne namene s strani dežele Schleswig-Holstein na LSH sprožila uradni postopek v skladu s členom 88(2) Pogodbe ES.
At the same time, it launched the investigation procedure in respect of similar transfers of assets to Norddeutsche Landesbank — Girozentrale, Bayerische Landesbank Girozentrale, Hamburgische Landesbank — Girozentrale and Landesbank Hessen-Thüringen.
Istočasno je začela preiskovalni postopek v zvezi s podobnimi prenosi sredstev na Norddeutsche Landesbank Girozentrale, Bayerische Landesbank Girozentrale, Hamburgische Landesbank Girozentrale in Landesbank Hessen-Thüringen.
It had already opened an investigation into the transfer of Wohnungsbaukreditanstalt to Landesbank Berlin back in July 2002.
Komisija je pred tem že julija 2002 začela postopek v zvezi s prenosom stanovanjske organizacije Wohnungsbaukreditanstalt na Landesbank Berlin.
The decisions initiating the procedure were published in the Official Journal of the European Union.
Sklepi o sprožitvi postopka so bili objavljeni v Uradnem listu Evropske unije.
The Commission called on interested parties to submit comments.
Komisija je od zainteresiranih strank zahtevala, naj izrazijo svoje stališče.
By letter of 11 April 2003, LSH submitted its comments on the initiation of the procedure in the LSH case.
LSH je v pismu z dne 11. aprila 2003 izrazila svoje stališče glede sprožitve postopka v primeru LSH.
By letter of 14 April 2003, Germany commented on the decision to initiate the procedure.
Nemčija je v pismu z dne 14. aprila 2003 izrazila svoje stališče glede sprožitve postopka.
By letter of 29 July 2003, the BdB submitted comments on all the decisions taken on 13 November 2002 to initiate the investigation procedure.
BdB je v pismu z dne 29. julija 2003 izrazilo skupno stališče glede vseh sklepov o sprožitvi postopka z dne 13. novembra 2002.
The Commission asked for further information on 11 September 2003, and Germany replied on 29 October and 6 November 2003, commenting also on BdB's comments on LSH.
Nemčija je na podlagi nadaljnje poizvedbe Komisije z dne 11. septembra 2003 v pismih z dne 29. oktobra in 6. novembra 2003 predložila dodatne informacije in odgovorila na stališče BdB glede primera LSH.
On 30 October 2003, Germany forwarded comments by the Land Government of North Rhine-Westphalia and by WestLB on the BdB's statement concerning the five Landesbank cases opened in November 2002.
Nemčija je poleg tega v pismu z dne 30. oktobra 2003 posredovala ugotovitve dežele Severno Porenje-Vestfalija in WestLB na stališče BdB glede petih postopkov v zvezi z deželnimi bankami, sproženih novembra 2002.
The Commission sent further requests for information on 7 and 30 April, 19 May and 12 August 2004, to which Germany replied on 1 and 28 June, 27 May, 23 June, 27 August and 30 September 2004.
Nemčija je na nadaljnje poizvedbe Komisije z dne 7. aprila 2004, 30. aprila 2004, 19. maja 2004 in 12. avgusta 2004 odgovorila v pismih z dne 1. in 28. junija 2004, 27. maja 2004, 23. junija 2004, 27. avgusta 2004 in 30. septembra 2004.
On 19 July 2004 the complainant (BdB), the Land of North Rhine-Westphalia and WestLB AG submitted a provisional agreement on the appropriate remuneration for the transferred assets.
julija 2004 so pritožnik BdB, dežela Severno Porenje-Vestfalija in WestLB AG predložili začasni dogovor o primernem nadomestilu za prenesena sredstva.
The Commission received the final version of this understanding on 13.10.04.
Končno različico tega dogovora je Komisija prejela 13. oktobra 2004.
On 29 September 2004, the BdB, the Land of Schleswig-Holstein and HSH Nordbank — which was formed from LSH and Hamburgische Landesbank in 2003 — submitted a provisional understanding on the appropriate remuneration for the transferred assets.
Prav tako so BdB, dežela Schleswig-Holstein in HSH Nordbank, nastala z združenjem LSH in Hamburgische Landesbank leta 2003, 29. septembra 2004 predložili začasni dogovor o primernem nadomestilu za prenesena posebna namenska sredstva.
The definitive version of the understanding on the transfer of the special-purpose assets to LSH reached the Commission on 14.10.04.
Končno različico dogovora o prenosu posebnih namenskih sredstev na LSH je Komisija prejela 14. oktobra 2004.
Similar understandings reached in the other cases involving transfers of assets to Landesbanks — except Landesbank Hessen-Thüringen — were also submitted to the Commission.
Poleg tega je Komisija prejela ustrezne dogovore – z izjemo primera Landesbank Hessen-Thüringen – tudi glede ostalih primerov prenosa sredstev na deželne banke.
Landesbank Schleswig-Holstein — Girozentrale (LB Kiel), with its head office in Kiel, had a group balance-sheet total of EUR 145500 million (as at 31 December 2002), making it one of Germany's 15 largest banks.
Landesbank Schleswig-Holstein Girozentrale (LB Kiel) s sedežem v Kielu je bila z bilančno vsoto koncerna v višini 145,5 milijarde EUR (podatki z dne 31. decembra 2002) ena izmed 15 največjih nemških bank.
Founded in 1917 as the bank of the Province of Schleswig-Holstein, it was a publicly owned credit institution operating in the form of a public institution (Anstalt des öffentlichen Rechts).
Ustanovljena je bila leta 1917 kot deželna banka province Schleswig-Holstein. Banka je bila kreditna institucija v javni lasti in je delovala kot pravni subjekt javnega prava.
From 1994 LSH was owned by the WestLB group (39,9 %), the Land of Schleswig-Holstein (25,05 %), the Sparkassen- und Giroverband für Schleswig-Holstein (25,05 %) and Landesbank Baden-Württemberg (10 %).
Lastniki LSH so bili od leta 1994 koncern WestLB (39,9 %), dežela Schleswig-Holstein (25,05 %), Sparkassen- und Giroverband für Schleswig-Holstein (25,05 %) in Landesbank Baden-Württemberg (10 %).
This ownership structure resulted from a transfer of capital holdings from the Land of Schleswig-Holstein and the Sparkassen- und Giroverbands für Schleswig-Holstein to WestLB and Landesbank Baden-Württemberg on 1 January 1994.
Ta lastniška struktura je bila posledica prenosa osnovnega deleža dne 1. januarja 1994 s strani dežele Schleswig-Holstein in Sparkassen- und Giroverbands für Schleswig-Holstein na WestLB in Landesbank Baden-Württemberg.
Prior to this transfer, the Land and the Sparkassen- und Giroverband each held 50 % of the shares.
Pred prenosom sta imela dežela Schleswig-Holestein in Sparkassen- und Giroverband vsak po 50-odstotni delež.
On 2 June 2003, LSH and Hamburgische Landesbank merged to form HSH Nordbank AG, a public limited company (Aktiengesellschaft).
junija 2003 je z združitvijo LSH in Hamburgische Landesbank nastala HSH Nordbank AG v pravni obliki delniške družbe.
For tax and balance-sheet purposes, the merger had a retroactive effect as of 1 January 2003.
Zaradi davkov in bilance stanja je združitev veljala za nazaj z dnem 1. januarja 2003.
According to its annual report for 2002, LSH's core capital ratio was 6,5 % and its equity ratio 10,3 %.
Iz poslovnega poročila LSH za leto 2002 je razvidno, da je delež temeljnega kapitala koncerna znašal 6,5 %, stopnja solventnosti pa 10,3 %.
Its income-to-equity ratio stood at 10,4 % in 2002.
Donosnost lastnega kapitala je bila leta 2002 10,4 %.
Under Section 42 of the Schleswig-Holstein Savings Bank Act (Sparkassengesetz für das Land Schleswig-Holstein), LSH was required to perform the tasks of a government-owned bank, a central savings bank and a commercial bank.
V skladu s poglavjem 42 Zakona o hranilnicah za deželo Schleswig-Holstein je morala LSH opravljati naloge državne banke, centralne hranilnice in poslovne banke.
It had to manage the Land's banking operations, support the savings banks in carrying out their tasks and issue municipal loans.
Skrbeti je morala za bančne dejavnosti dežele, podpirati hranilnice pri opravljanju njihovih nalog in izdajati občinska posojila.
As a government-owned bank, it granted credit to public authorities and participated — sometimes in a consortium with private banks — in the placement of Land loans and note loans.
Kot državna banka je dodeljevala posojila organom oblasti in sodelovala – včasih v konzorciju z zasebnimi bankami – pri izdajanju deželnih posojil in posojil z zadolžnico.
It also operated as an all-purpose commercial bank.
Poleg tega je delovala kot splošna poslovna banka.
Employing over 2500 staff, LSH had a regional base and an international focus, viewing the north of northern Germany and the Baltic Sea area as its core banking region.
LSH je bila z več kot 2500 zaposlenimi regionalno uveljavljena in mednarodno usmerjena in je imela kot severna banka za glavno regijo Severno Nemčijo in območje Baltskega morja.
It had its own branches, representative offices and holdings and was an international product and sector specialist in transport, shipping and real-estate finance, bank finance and — increasingly — in syndication and as a player on the international capital markets.
Imela je lastne podružnice, predstavništva in holdinge in je bila mednarodni strokovnjak za proizvode in sektorje na področju financiranja transporta, ladij in nepremičnin, bančnega financiranja in vse bolj financiranja preko sindikata bank ter akter na mednarodnih trgih kapitala.
TRANSFER TO LSH OF WKA'S AND WAK'S ASSETS AND THE SPECIAL-PURPOSE REAL-ESTATE RESERVE
PRENOS SREDSTEV WKA IN WAK TER NEPREMIČNIN KOT REZERVE ZA POSEBNE NAMENE NA LSH
SETTING-UP AND DEVELOPMENT OF INVESTITIONSBANK SCHLESWIG-HOLSTEIN
USTANOVITEV IN RAZVOJ INVESTITIONSBANK SCHLESWIG-HOLSTEIN
Under the Schleswig-Holstein Investment Bank Act (Investitionsbankgesetz: ‘IBG’) of 11 December 1990, IB was set up with effect from 1 January 1991 as a public institution with organisational and economic independence.
Po Zakonu o investicijski banki dežele Schleswig-Holstein (Investitionsbankgesetz, „IBG“) z dne 11. decembra 1990 je bila IB z dnem 1. januarja 1991 ustanovljena kot organizacijsko in gospodarsko neodvisna institucija LSH v javni lasti brez pravne sposobnosti.
It is therefore refinanced on behalf of and with the involvement of LSH.
IB je torej refinancirana v imenu in s pomočjo LSH.
IB is the central development institution providing economic and structural policy back-up in Schleswig-Holstein.
IB je osrednja razvojna institucija, ki podpira gospodarsko in strukturno politiko v Schleswig-Holsteinu.
Its product range covers economic and housing assistance, support for environmental and energy projects, municipal and agricultural assistance, and project management for the Land and municipal authorities.
Njena proizvodna paleta zajema pospeševanje gospodarstva in gradnje stanovanj, pospeševanje okoljskih in energetskih projektov, pospeševanje razvoja občin in kmetijstva in projektno upravljanje za deželo Schleswig-Holstein in občinske organe.
It also assists infrastructure projects in the Baltic area.
Poleg tega ima nalogo pospeševanja infrastrukture na območju Baltskega morja.
By the Act of 7 May 2003, which came into force on 1 June 2003, IB was split off from LSH's assets, with legal effect from 1 June 2003 and with retroactive effect on the balance sheet as of 1 January 2003, and set up as an independent public-law institution (Anstalt des öffentlichen Rechts) under the name ‘Investitionsbank Schleswig-Holstein’ with its head office in Kiel.
IB je bila Zakonom z dne 7. maja 2003, ki je stopil v veljavo 1. junija 2003, odcepljena od sredstev LSH s pravnim učinkom dne 1. junija 2003 in z veljavnostjo za nazaj zaradi bilance stanja dne 1. januarja 2003 in ustanovljena kot institucija v javni lasti s pravno sposobnostjo pod imenom Investitionsbank Schleswig-Holstein s sedežem v Kielu.
The assets assigned to Investitionsbank Schleswig-Holstein, including all asset and liability items, were transferred to the hived-off Investitionsbank Schleswig-Holstein by means of universal succession.
Sredstva, pripisana odcepljeni Investitionsbank Schleswig-Holstein, vključno z vsemi aktivnimi in pasivnimi postavkami, so bila prenesena na Investitionsbank Schleswig-Holstein v obliki univerzalnega nasledstva.
Despite the retroactive effect on the balance sheet as of 1 January 2003, LSH was able to continue to use IB's capital to underpin its competitive business in the same manner until 1 June 2003.
LSH je lahko kljub veljavnosti za nazaj zaradi bilance stanja z dnem 1. januarja 2003 do 1. junija 2003 tako kot pred tem uporabljala kapital IB za kritje konkurenčnih dejavnosti.
The real-estate administration body Liegenschaftsverwaltung Schleswig-Holstein (‘LVSH’) was also set up as an independent public-law institution, with its head office in Kiel, with legal effect from 1 June 2003 and with retroactive effect on the balance sheet as of 1 January 2003.
Tudi upravljalni organ za nepremičnine Liegenschaftsverwaltung Schleswig-Holstein (LVSH) je bil ustanovljen kot neodvisna institucija v javni lasti s sedežem v Kielu s pravnim učinkom dne 1. junija 2003 in veljavnostjo za nazaj zaradi bilance stanja dne 1. januarja 2003.
The special-purpose real-estate reserve was therefore hived off to LVSH on 1 June 2003.
Nepremičnine kot rezerva za posebne namene so bile torej odcepljene na Liegenschaftsverwaltung Schleswig-Holstein z dnem 1. junija 2003.
At the same time, all assets and liabilities were transferred to Investitionsbank Schleswig-Holstein by means of universal succession.
Ob tem so bila vsa sredstva z vsemi aktivnimi in pasivnimi postavkami prenesena na Liegenschaftsverwaltung Schleswig-Holstein v obliki univerzalnega nasledstva.
Despite the retroactive effect on the balance sheet as of 1 January 2003, LSH was able to continue to use the special-purpose real-estate reserve to underpin its competitive business in the same manner until 1 June 2003.
LSH je lahko kljub veljavnosti za nazaj zaradi bilance stanja z dnem 1. januarja 2003 do 1. junija 2003 tako kot pred tem uporabljala nepremičnine kot rezervo za posebne namene za kritje konkurenčnih dejavnosti.
TRANSFER OF WKA TO LSH
PRENOS WKA NA LSH
By the Act of 31 March 1950, WKA was set up as a public institution under the name ‘Landestreuhandstelle für Wohnungs- und Kleinsiedlungswesen in Schleswig-Holstein’.
WKA je bila ustanovljena z Zakonom z dne 31. marca 1950 kot družba v javni lasti pod imenom Landestreuhandstelle für Wohnungs- und Kleinsiedlungswesen in Schleswig-Holstein.
Its purpose was to support the Land, particularly by financing public and low-tax residential construction and in providing the public with suitable housing.
Njena naloga je bila podpora dežele Schleswig-Holstein, zlasti s pospeševanjem javne gradnje stanovanj z davčnimi ugodnostmi in zagotavljanjem primernih stanovanj prebivalstvu.
Its assets were made up of so-called special assets and own funds.
Njena sredstva so sestavljala tako imenovana posebna in lastna sredstva.
By law, the special assets had to be used for the specific purpose of financing social-housing operations.
Posebna sredstva so bila po zakonu namensko vezana in jih je bilo treba uporabljati za pospeševanje ukrepov v korist socialne gradnje stanovanj.
WAK's own funds were not subject to this requirement.
Lastna sredstva WAK tej zahtevi niso bila podvržena.
WKA used its own funds to grant building loans at particularly low interest rates.
WKA je lastna sredstva uporabljala zlasti za dodeljevanje stanovanjskih posojil z zelo ugodnimi obrestnimi merami.
Under Section 2(1) of the IBG, WKA and its entire assets were transferred, minus the costs of the liquidation, to LSH with effect from 1 January 1991.
V skladu s poglavjem 2(1) IBG je bila WKA s svojimi celotnimi sredstvi z odbitkom stroškov likvidacije prenesena na LSH z dnem 1. januarja 1991.
Section 2(1) of the IBG thus provided for the merger of WKA and LSH.
Poglavje 2(1) IBG je torej odredilo združitev WKA z LSH.
Under Section 14(1) of the IBG, all of the tasks and responsibilities of WKA referred to in Annex 1 to the IBG were transferred to IB with effect from 1 January.
V skladu s poglavjem 14(1) IBG so bile vse naloge in pristojnosti WKA, navedene v Prilogi 1 k IBG, z dnem 1. januarja prenesene na IB.
TRANSFER OF WAK TO LSH
PRENOS WAK NA LSH
WAK was a special credit institution set up by the Land as a public limited company (Aktiengesellschaft) with the task of providing financial assistance to the projects of commercial businesses and other measures designed to strengthen the economic and communications structure.
WAK je bila posebna kreditna institucija, ustanovljena s strani dežele Schleswig-Holstein kot delniška družba, ki je imela nalogo, s financiranjem pospeševati projekte industrijskih podjetij ter druge ukrepe za krepitev gospodarske in komunikacijske strukture.
Section 3 of the IBG authorises the Minister for Finance to take over all of WAK's assets, including all of its rights and obligations.
Poglavje 3 IBG pooblašča finančnega ministra ali ministrico za prevzem vseh sredstev WAK, vključno z vsemi njenimi pravicami in obveznostmi.
This was necessary because, as a public limited company, WAK could not be merged with LSH in the same way that WKA was.
To pooblastilo je bilo potrebno, saj se WAK kot delniška družba ni mogla združiti z LSH na podoben način kot WKA.
WAK's assets were therefore initially transferred to the Land by means of universal succession under Section 359 of the Public Limited Company Act (Aktiengesetz) so that they could subsequently be transferred to LSH.
Sredstva WAK so bila zato najprej prenesena na deželo Schleswig-Holstein v obliki univerzalnega nasledstva v skladu s poglavjem 359 Zakona o delniških družbah (Aktiengesetz), da bi jih nato lahko prenesli na LSH.
In financial terms, this was the same as WAK being incorporated into LSH.
V gospodarskem smislu je to skladno s prenosom WAK na LSH.
The Ministry of Finance made use of this authorisation and accepted the offer made by WAK's executive board on 19 November 1990 to transfer the assets on 2 January 1991.
Finančni minister je to pooblastilo uporabil in sprejel ponudbo izvršilnega odbora WAK z dne 19. novembra 1990 za prenos sredstev dne 2. januarja 1991. Z „dogovorom o prenosu“ med deželo Schleswig-Holstein in LSH z dne 2. januarja 1991 je bil urejen prenos sredstev WAK, vključno z vsemi pravicami in obveznostmi, z dnem 1. januarja 1991.
TRANSFER OF THE SPECIAL-PURPOSE REAL-ESTATE RESERVE TO LSH
PRENOS NEPREMIČNIN KOT REZERVE ZA POSEBNE NAMENE NA LSH
Under Section 17(2) of the IBG, the Schleswig-Holstein Ministry of Finance and Energy was authorised to transfer real estate to IB.
V skladu s poglavjem 17(2) IBG je bilo Ministrstvo za finance in energijo pooblaščeno za prenos nepremičnin na IB.
This involved IB becoming the legal and economic owner of the real estate in question.
S prodajo je IB postala pravna in gospodarska lastnica prenesenih nepremičnin.
According to Germany, IB may not, however, freely dispose of the real estate transferred to it.
Po navedbah Nemčije pa IB ni mogla poljubno razpolagati z zadevnimi nepremičninami.
Instead, the real-estate assets as a whole, including any gains made on them, had to be used for a specific purpose.
Celotna nepremičninska sredstva vključno z morebitnimi presežki so bila namensko vezana.
Under Section 20(1) of the IBG, the transferred real-estate assets were accordingly designated as a special-purpose real-estate reserve.
V skladu s poglavjem 20(1) IBG so bila prenesena nepremičninska sredstva zato določena kot rezerva za posebne namene.
Under Section 20(2), proceeds from these assets had to be used to maintain, acquire and construct real estate.
V skladu s poglavjem 20(2) je bilo zneske teh nepremičninskih sredstev treba uporabljati za vzdrževanje, nakup in gradnjo nepremičnin.
However, they could also be used — subject to a decision by the Land Government — for the tasks of the Investitionsbank or be returned to the Land.
Lahko pa se jih je tudi uporabljalo – tako je odločila deželna vlada – za naloge Investitionsbank ali pa vrnilo deželi Schleswig-Holstein.
The Land of Schleswig-Holstein has sold a total of […] properties to IB in several lots.
Dežela Schleswig-Holstein je v več tranšah skupno prodala [...] svojih nepremičnin IB.
The purchase price for each property was based on the market value, as determined beforehand by an expert evaluation.
Nakupna cena za posamezne objekte je temeljila na tržnih vrednostih, ki so bile predhodno določene v posameznih izvedenskih mnenjih.
In each case the Land of Schleswig-Holstein transferred part of the price it received to LSH via the ‘special-purpose real-estate reserve’.
Dežela Schleswig-Holstein je na LSH prenesla dele od dobljenih nakupnih cen v obliki tako imenovanih nepremičnin kot rezerve za posebne namene.
The effect of these transfers on LSH's own funds as shown in the balance sheet was as follows: the purchase of the first lot of properties by IB increased LSH's own funds as shown in the balance sheet at 31 December 1999 by DEM […] million.
Učinek prenosov deželnih nepremičnin na lastna sredstva LSH se je v bilanci stanja kazal na naslednji način: Nakup prve tranše s strani IB je povečal lastni kapital LSH, kakor je prikazano v bilanci stanja z dne 31. decembra 1999, za [...] milijonov DEM.
On 31 December 2000 the special-purpose real-estate reserve had increased to a total of DEM […] million following the purchase of a second lot of properties.
Z nakupom druge tranše so v bilanci stanja z dne 31. decembra 2000 nepremičnine kot rezerva za posebne namene narasle na skupaj [...] milijonov DEM.
Following the purchase of the third lot, it reached a total of DEM […] million on 31 December 2001 and remained at the same level on 31 December 2002.
Po nakupu tretje tranše so v bilanci stanja z dne 31. decembra 2001 dosegle skupaj [...] milijonov DEM, vrednost pa je 31. decembra 2002 ostala nespremenjena.
Germany submits that the special-purpose real-estate reserve did not perform either a financing or a business-expansion function for LSH.
Po navedbah Nemčije nepremičnine kot rezerva za posebne namene za LSH niso opravljale niti funkcije financiranja niti funkcije širjenja dejavnosti.
It could not be used for business activities as it had not been recognised by the Federal Banking Supervisory Office (Bundesaufsichtsamt für das Kreditwesen — ‘BAKred’) as core capital for supervisory purposes.
Ni se jih moglo uporabljati za poslovne dejavnosti, saj niso bile priznane s strani nemškega bančnega nadzornega organa (Bundesaufsichtsamt für das Kreditwesen – „BAKred“) kot temeljni kapital za potrebe nadzora.
Pursuant to Council Directive 89/647/EEC of 18 December 1989 on a solvency ratio for credit institutions (the ‘Solvency Directive’) and Council Directive 89/299/EEC of 17 April 1989 on the own funds of credit institutions (the ‘Own Funds Directive’), which amended the German Banking Act (Kreditwesengesetz, or KWG), banks must have a level of own funds equal to 8 % of their risk-adjusted assets.
V skladu z Direktivo Sveta 89/647/EGS z dne 18. decembra 1989 o stopnji solventnosti kreditnih institucij (v nadaljevanju „Direktiva o solventnosti“) in Direktivo Sveta 89/299/EGS z dne 17. aprila 1989 o lastnih virih sredstev kreditnih institucij (v nadaljevanju „Direktiva o lastnih virih sredstev“), po katerih je bil spremenjen Zakon o bančništvu („KWG“), banke razpolagajo z rizičnim kapitalom v višini 8 % svoje tveganju prilagojene tehtane aktive.