natgillin/translations-raw huggingface dataset:
By letter of 12 January 1993, the Commission asked Germany for information on the circumstances and reasons which had given rise to a capital increase in WestLB through the incorporation of the housing organisation Wohnungsbauförderanstalt (‘WfA’) and on similar increases in the own funds of the Landesbanks of other Länder.
Komisija je 12. januarja 1993 Nemčijo v dopisu zaprosila za informacije o okoliščinah in vzrokih za povečanje kapitala pri WestLB kot posledici vključitve zavoda za spodbujanje gradnje stanovanj (Wohnungsbauförderanstalt – „WfA“) ter o podobnih povečanjih lastnih sredstev deželnih bank drugih zveznih dežel.
Germany replied in March and September 1993, providing a description of the transfer of Wohnungsbau-Kreditanstalt Berlin to Landesbank Berlin — Girozentrale.
Nemčija je marca in septembra 1993 odgovorila z dopisi, v katerih je opisala prenos Wohnungsbau-Kreditanstalt Berlin na Landesbank Berlin – Girozentrale.
The Commission requested further information in November and December 1993, which Germany provided in March 1994.
Za nadaljnje informacije je Komisija zaprosila novembra in decembra 1993, Nemčija pa jih je posredovala marca 1994.
Berlin was explicitly mentioned in the first of the two requests.
V prvem od obeh navedenih dopisov, v katerih je Komisija zaprosila za informacije, je bil izrecno naveden Berlin.
By letters of 31 May and 21 December 1994, the Bundesverband deutscher Banken e.V.
V dopisih z dne 31. maja 1994 in 21. decembra 1994 je Zvezno združenje nemških bank (Bundesverband deutscher Banken e.V.
(‘BdB’), an association representing private banks established in Germany, informed the Commission that, as at the close of 31 December 1992, Wohnungsbau Kreditanstalt Berlin (‘WBK’) had been transferred, with its assets, to Landesbank Berlin — Girozentrale (‘LBB’), while the tasks previously assigned to WBK had been transferred to the recently set-up Investitionsbank Berlin (‘IBB’), which was operating as a division of LBB.
„BdB“), ki zastopa zasebne banke s sedežem v Nemčiji, Komisiji med drugim sporočilo, da se je z 31. decembrom 1992Wohnungsbau-Kreditanstalt Berlin („WBK“), vključno s svojim premoženjem, prenesel na Landesbank Berlin – Girozentrale, pri čemer je naloge WBK istočasno prevzela investicijska banka Investitionsbank Berlin („IBB“), ki je bila kot oddelek deželne banke Landesbank Berlin ustanovljena že prej.
This increased the own funds at LBB's disposal, and, in the BdB's view, distorted competition in LBB's favour since the parties had not agreed any remuneration which might be in line with the principle of the market-economy investor.
To je povečalo lastna sredstva Landesbank Berlin, kar je po mnenju BdB izkrivilo konkurenco v njen prid, saj se stranke niso dogovorile o nadomestilu, ki bi bilo skladno z načelom vlagatelja v tržnem gospodarstvu.
In its second letter, the BdB accordingly lodged a formal complaint and called on the Commission to initiate proceedings against Germany under Article 93(2) of the EC Treaty (now Article 88(2)).
V drugem navedenem dopisu je BdB zato vložilo uradno pritožbo in od Komisije zahtevalo, da proti Nemčiji sproži postopek v skladu s členom 93(2) Pogodbe ES (zdaj člen 88(2) Pogodbe).
The complaint also related to similar transfers of assets to Westdeutsche Landesbank, Norddeutsche Landesbank, Landesbank Schleswig-Holstein, Hamburger Landesbank and Bayerische Landesbank.
Pritožba se nadalje sklicuje na podobne prenose sredstev v korist deželnih bank Westdeutsche Landesbank, Norddeutsche Landesbank, Landesbank Schleswig-Holstein, Hamburger Landesbank in Bayerische Landesbank.
In February and March 1995 and December 1996 several banks associated themselves individually with the complaint lodged by the BdB.
Februarja in marca 1995 ter decembra 1996 se je pritožbi združenja pridružilo več njegovih posameznih bank.
The Commission first examined the transfer of assets to WestLB.
Komisija je najprej raziskala prenos sredstev na WestLB.
In Decision 2000/392/EC finally adopted in 1999, it found that the difference between the remuneration paid and the normal market remuneration constituted state aid which was incompatible with the common market, and ordered its recovery.
Leta 1999 je z Odločbo 2000/392/ES na koncu ugotovila, da razlika med izplačanim nadomestilom in običajnim tržnim donosom pomeni pomoč, ki ni združljiva s skupnim trgom in jo je treba vrniti.
This decision was annulled by the Court of First Instance of the European Communities in a judgment handed down on 6 March 2003 for not giving sufficient reasons as regards two of the factors used to calculate the appropriate remuneration, but it was confirmed in all other respects.
Sodišče prve stopnje Evropskih skupnosti je to odločbo 6. marca 2003 razveljavilo zaradi nezadostne utemeljitve dveh dejavnikov, uporabljenih pri izračunu višine nadomestila, v vseh drugih pogledih pa jo je potrdilo.
At the same time as the decision in the present proceedings, and having been informed of an understanding between the complainant and all seven Landesbanks concerned, the Commission is adopting a new decision taking account of the Court's criticisms.
Sočasno s to odločbo je Komisija, ki je vedela za dogovor med pritožnikom in vsemi sedmimi deželnimi bankami, ki so jih zadevali ustrezni postopki, izdala novo odločbo, ki upošteva kritiko Sodišča.
On 1 September 1999 the Commission sent Germany a request for information on the transfers of assets to the other Landesbanks, including LBB.
Komisija je z dopisom z dne 1. septembra 1999 Nemčijo zaprosila za informacije o prenosih sredstev na druge deželne banke, med njimi tudi na Landesbank Berlin („LBB“).
By letter of 8 December 1999, Germany submitted information on the transfer of WBK to Landesbank Berlin, which it supplemented by letter of 22 January 2001.
Nemčija je 8. decembra 1999 v dopisu posredovala informacije o prenosu WBK na Landesbank Berlin, ki jih je v dopisu z dne 22. januarja 2001 dopolnila.
Representatives of Germany and the Commission also discussed the question of the transfer and possible recovery of any aid in connection with the examination of restructuring aid to Bankgesellschaft Berlin (‘BGB’), to which Landesbank Berlin has belonged since 1994.
Nadalje so Komisija in predstavniki Nemčije razpravljali o problematiki prenosa in možnem vračilu morebitnih pomoči, ki je povezano s preiskavo pomoči za prestrukturiranje za Bankgesellschaft Berlin AG („BGB“), h kateri od leta 1994 spada Landesbank Berlin.
By letter of 2 July 2002, the Commission informed Germany of its decision to initiate the procedure laid down in Article 88(2) of the EC Treaty in respect of the aid.
Komisija je Nemčiji 2. julija 2002 v dopisu sporočila svoj sklep, da bo na podlagi člena 88(2) Pogodbe ES sprožila postopek v zvezi z navedeno pomočjo.
After having requested, and been granted, an extension of the deadline, Germany submitted its comments and provided additional information by letter of 9 September 2002.
Ko ji je Komisija v skladu z njeno prošnjo podaljšala rok za predložitev podatkov, je Nemčija 9. septembra 2002 v dopisu posredovala svoje pripombe in dodatne informacije.
Further questions were discussed at meetings with representatives of Germany on 27 September 2002.
O nadaljnjih vprašanjih so razpravljali na srečanjih s predstavniki Nemčije 27. septembra 2002.
The Commission decision to initiate the procedure was published on 4 October 2002 in the Official Journal of the European Communities.
Sklep Komisije o sprožitvi postopka je bil 4. oktobra 2002 objavljen v Uradnem listu Evropskih skupnosti.
The Commission called on interested parties to submit comments.
Komisija je zainteresirane stranke pozvala, naj predložijo svoje pripombe.
It received comments from a competitor and from the BdB, which it forwarded to Germany for its opinion in November 2002.
Prejela je pripombe enega od konkurentov in pripombe BdB; oboje je novembra 2002, posredovala Nemčiji, da bi prejela njene pripombe.
Germany replied by letter of 16 December 2002.
Nemčija je odgovorila v dopisu z dne 16. decembra 2002.
At the Commission's request, Germany sent further details about the potential aid by letters of 22 and 27 January, 28 February and 19 August 2003.
Nemčija je po pozivu Komisije v dopisih z dne 22. in 27. januarja 2003 ter 28. februarja in 19. avgusta 2003 posredovala nadaljnje podatke o možni pomoči.
By decision of 18 February 2004, the Commission approved the restructuring aid for Bankgesellschaft Berlin AG, to which LBB belongs.
Komisija je z Odločbo z dne 18. februarja 2004 odobrila pomoči za prestrukturiranje za Bankgesellschaft Berlin AG, h kateri spada LBB.
The decision also covered an agreement concluded on 23 December 2002 by the Land of Berlin and the BGB on the treatment of any claims to repayment brought by the Land of Berlin and arising out of the state aid case at issue here; this agreement was regarded as restructuring aid.
Ta odločba je vključevala tudi dogovor, ki sta ga dežela Berlin in BGB sklenili 23. decembra 2002 o obravnavanju morebitnih zahtevkov po vračilu dežele Berlin, ki bi izhajali iz tega postopka preiskave pomoči, ki je bila ocenjena kot pomoč za prestrukturiranje.
By letter of 7 April 2004 the Commission asked Germany for further information on all the Landesbank cases, which Germany sent on 1, 2 and 28 June respectively.
Komisija je Nemčijo v dopisu z dne 7. aprila 2004 prosila za nadaljnje informacije o vseh postopkih v zvezi z deželnimi bankami in dobila odgovor v dopisih z dne 1. oz. 2. junija 2004 ter 28. junija 2004.
On 31 August 2004 Investitionsbank Berlin (formerly WBK) was hived off from LBB's assets.
Z 31. avgustom 2004 se je Investitionsbank Berlin (prej WBK) odcepila od premoženja LBB.
Germany sent the Commission detailed documentation on the related legal and other provisions on 25 August 2004.
Podrobno dokumentacijo zakonskih in drugih določb v zvezi s tem je Nemčija Komisiji posredovala 25. avgusta 2004.
On 27 September 2004 Germany submitted the draft of an understanding between the complainant (the BdB), the Land of Berlin and Landesbank Berlin, the signed version of which reached the Commission on 8 October 2004.
Nemčija je 27. septembra 2004 posredovala osnutek dogovora med pritožnikom BdB, deželo Berlin in Landesbank Berlin, Komisija pa je podpisan izvod prejela 8. oktobra 2004.
This understanding covers the appropriate remuneration for the assets transferred to LBB on 1 January 1993.
Dogovor zadeva primerno nadomestilo za deleže, ki so bili na LBB preneseni 1. januarja 1993.
Similar understandings reached in five other cases involving transfers of assets to Landesbanks were also submitted to the Commission.
Poleg tega so bili sklenjeni tudi ustrezni dogovori za nadaljnjih pet primerov prenosa sredstev na deželne banke, ki so bili posredovani Komisiji.
DETAILED DESCRIPTION OF THE MEASURES
PODROBEN OPIS UKREPOV
LBB was set up in 1990 and, at the same time, the West Berlin Savings Bank (Sparkasse der Stadt Berlin West) was transferred to it by way of universal succession.
LBB je bila ustanovljena leta 1990 in sočasno je bila nanjo v okviru skupnega pravnega nasledstva prenesena takratna hranilnica mesta Berlin Zahod Sparkasse der Stadt Berlin West.
Shortly afterwards, the East Berlin Savings Bank (Sparkasse der Stadt Berlin) was also transferred to LBB.
Kmalu zatem se je na LBB prenesla tudi Sparkasse der Stadt Berlin iz vzhodnega dela mesta.
Since then, the savings bank business in the city of Berlin has been conducted by a separate, legally dependent division of LBB called ‘Berliner Sparkasse’.
Od takrat Sparkasse na območju mesta Berlin obstaja kot ločen pravno nesamostojen oddelek LBB z imenom „Berliner Sparkasse“.
LBB is a public-law institution (Anstalt des öffentlichen Rechts) for which the Land of Berlin bears institutional and guarantor liability.
LBB je javni zavod in dežela Berlin je nosilec zavoda in odgovornosti.
At the time of the transfer of WBK at the end of 1992, LBB was solely owned by the Land of Berlin and had a balance-sheet total of some DEM 85 billion and just under 7000 employees.
Ob prenosu WBK konec leta 1992 je bila LBB v 100 % lasti dežele Berlin in je imela bilančno vsoto v vrednosti približno 85 milijard DEM in slabih 7000 zaposlenih.
LBB is an all-purpose bank with business in personal and corporate banking (retail banking), real-estate financing and lending to the public sector.
LBB je univerzalna banka s poslovnimi področji poslovanje z občani in podjetji (manjši bančni posli), financiranje nepremičnin in javne stranke.
It also conducts business abroad.
Posluje tudi s tujino.
In 1992 its main line of business was the Berliner Sparkasse's retail business.
Leta 1992 so osrednje področje delovanja LBB predstavljali manjši bančni posli, ki jih je vodila Berliner Sparkasse.
Since 1994 LBB has belonged to the BGB group, a group of institutions set up in that year by merging a number of credit institutions previously owned by the Land of Berlin.
Od leta 1994 dalje je LBB del skupine BGB, tako imenovane „Skupine institutov“, ki je bila ustanovljena istega leta z združitvijo več kreditnih institucij, ki jih je nekoč nadzirala dežela Berlin.
BGB is the holding company, with an atypical silent partnership which since 1994 has given it about 75 % of the assets and the profits of LBB, with the exception of the central Land promotion institution, IBB.
Kot holding je BGB z netipično tiho udeležbo približno 75 % od leta 1994, z izjemo osrednjega deželnega zavoda za pospeševanje Landes-Förderinstituts IBB, udeležena pri premoženju in rezultatih LBB.
In 1998 the Land, as LBB's guarantor, made over its claim to a share of LBB's profits to BGB; this made BGB the 100 % beneficial owner.
Ko je dežela kot nosilka Landesbank leta 1998 BGB odstopila svoje pravice do dobička, je BGB gospodarsko postala 100-odstotna lastnica.
Other shareholders are Norddeutsche Landesbank with around 11 % and Gothaer Finanzholding AG (Parion insurance group) with around 2 %.
Drugi lastniki deležev so Norddeutsche Landesbank s približno 11 % in Gothaer Finanzholding AG (zavarovalna skupina Parion) s približno 2 %.
Some 6 % of the shares are dispersed among small shareholders.
Približno 6 % deležev je razpršenih.
In 2001 BGB found itself in serious difficulty, mainly as a result of high-risk real-estate transactions in the past; its own funds and core capital ratios were insufficient, which meant that supervisory measures might have to be taken by the Federal Banking Supervisory Authority (Bundesaufsichtsamt für das Kreditwesen — ‘BAKred’, now ‘BAFin’).
BGB se je v letu 2001 v glavnem zaradi preteklih tveganih nepremičninskih poslov znašla v resnih težavah in ji je grozilo, da bo Zvezni nadzorni urad za bančništvo (BAKred, danes BAFin) zaradi nezadostne stopnje lastnih sredstev oz. temeljnega kapitala proti njej uvedel nadzorne ukrepe.
In August 2001 it received a capital injection of €2 billion, of which some €1,8 billion came from the Land of Berlin and was initially authorised by the Commission as short-term rescue aid.
Zato je BGB avgusta 2001 dobila kapital v vrednosti 2 milijard EUR, od tega približno 1,8 milijarde EUR od dežele Berlin, kar je Komisija sprva odobrila kot kratkoročno reševalno pomoč.
After new risks were identified, BGB received further assistance from the Land of Berlin, which, together with the capital investment, was notified to the Commission as restructuring aid and examined in detail by it.
Po odkritju novih tveganj je BGB od dežele Berlin dobila nadaljnje pomoči, ki so bile skupaj s kapitalskim vložkom pri Komisiji prijavljene kot ukrepi za prestrukturiranje in jih je Komisija temeljito preiskala.
On 18 February 2004 the Commission closed its investigation and approved aid with a total financial value of some €9,7 billion. Besides the capital injection and the extensive guarantees in the form of a ‘risk shield’, the decision also covered an agreement concluded on 23 December 2002 by the Land of Berlin and the BGB on the treatment of any claims to repayment brought by the Land of Berlin and arising out of the present state aid investigation (‘repayment agreement’).
Komisija je 18. februarja 2004 zaključila postopek preiskave in odobrila pomoči v skupni gospodarski vrednosti približno 9,7 milijard EUR. Ta odločba je poleg dotoka kapitala in garancij, ki so združene pod tako imenovano zaščito pred tveganjem, vključevala tudi dogovor, ki sta ga o obravnavanju morebitnih zahtevkov po vračilu dežele Berlin, ki izhajajo iz tega postopka preiskave pomoči („Dogovor o vračilu“), 23. decembra 2002 sklenili dežela Berlin in BGB.
This agreement governs the undertaking given by the Land of Berlin that, in the event of a Commission decision requiring repayment in the present case, it would provide as a contribution to LBB's capital a reorganisation grant to the value necessary to prevent the threatened repayment requirement from forcing LBB or the BGB group, or both, to fall below the minimum capital ratios specified in the agreement.
Ta dogovor v primeru, da Komisija v tem postopku odloči, da je pomoč treba vrniti, ureja obveznost dežele Berlin, da v LBB vloži dodatek za sanacijo v takšni vsoti, ki je potrebna, da bosta LBB in/ali skupina BGB kljub obveznosti vračila imela kapitalske deleže, ki so navedeni v dogovoru.
This measure was considered necessary in 2002 in view of the considerable risk represented by possible repayment to the restoration of the BGB group's profitability.
Ker je obstajalo veliko tveganje, da bo treba vrniti pomoč za ponovno vzpostavitev donosnosti skupine BGB, je bil ta nadaljnji ukrep v letu 2002 potreben.
It was not possible in the BGB decision to determine the precise financial value of the measure as the present proceedings had not yet been completed.
Točne gospodarske vrednosti tega ukrepa v okviru odločitve BGB ni bilo mogoče določiti, saj postopek preiskave še ni bil zaključen.
For the purpose of assessing the restructuring aid under the competition rules, and in particular the appropriateness of the compensatory measures proposed by Germany to reduce the group's market presence, the theoretical ceiling for this measure was set at €1,8 billion.
Da bi bilo mogoče oceniti konkurenčnost pomoči za prestrukturiranje, zlasti primernost nasprotnih dajatev, ki jih je Nemčija ponudila, da bi zmanjšala navzočnost na trgu, je bila teoretična zgornja meja tega ukrepa izračunana na vrednost 1,8 milijarde EUR.
To sum up, the repayment agreement was taken into account as additional aid to the BGB group in setting Germany's compensatory measures, although its scope was restricted to a situation where the Commission ordered repayment and where this resulted in the bank's capital ratios falling below the levels set in the agreement.
Dogovor o vračilu se je pri tej višini izravnalnih ukrepov Nemčije upošteval kot nadaljnja pomoč za skupino BGB, čeprav bi veljal samo v primeru, da se Komisija odloči, da je treba pomoč vrniti, in LBB in/ali skupina BGB zaradi tega nimata kapitalskih deležev, ki so navedeni v dogovoru.
TRANSFER OF WBK TO LBB
PRENOS WBK NA LBB
The restructuring of the Land of Berlin's banking holdings, which culminated in the setting up of the BGB group in 1994, began in 1990 with the setting up of LBB; the savings banks, first of West Berlin and then of East Berlin, were then transferred to LBB.
V okviru novega strukturiranja udeležb pri bankah v Berlinu, ki je imelo na koncu za posledico ustanovitev Skupine BGB leta 1994, je bila leta 1990 najprej ustanovljena LBB, na katero sta se nato prenesli najprej Sparkasse zahodnega, nato še Sparkasse vzhodnega dela Berlina. V nadaljevanju je dežela Berlin leta 1992 med drugim sklenila, da bo kot organizacijski in gospodarsko samostojen, ne pravno sposoben javni zavod LBB in osrednji deželni zavod za pospeševanje ustanovila IBB. WBK je bil do takrat samostojen javni zavod in dežela Berlin je bila nosilec zavoda in odgovornosti. Imel je splošno-koristno nalogo, da ustvarja in ohranja stanovanjske prostore. WBK in njegove naloge bi se morale prenesti na IBB, ki je dobila širše naloge pospeševanja, npr. na področjih infrastrukture in varstva okolja.
This increased LBB's nominal capital by the former nominal capital of the WBK worth DEM 187,5 million.
Pri prenosu se je osnovni kapital LBB zvišal za nekdanji osnovni kapital WBK v višini 187,5 milijonov DEM.
This amount was thereafter no longer attributed to IBB's assets.
Od takrat se ta znesek ne šteje več k premoženju IBB.
WBK's revenue reserves stood at DEM 1905800 million on 31 December 1992.
Rezerve iz dobička WBK so 31. decembra 1992 znašale 1,9058 milijarde DEM.
These revenue reserves were and are shown as a special-purpose reserve for IBB.
Ta rezerva iz dobička WBK je bila prikazana kot rezerva IBB za posebne namene.
BAKred set LBB's liable equity capital as at 31 December 1992 at DEM 3127714 million, which corresponded to an increase of DEM 1902714 million.
BAKred je ugotovil, da je rizični lastni kapital LBB 31. decembra 1992 znašal 3,127714 milijarde DEM, kar pomeni, da se je zvišal za 1,902714 milijarde DEM.
BAKred took account of the DEM 187,5 million increase in nominal capital and of WBK's revenue reserves without the net profit for 1992.
Pri svojem izračunu je BAKred upošteval zvišanje osnovnega kapitala za 187,5 milijonov DEM in rezerve iz dobička WBK brez presežka v letu 1992.
In the years that followed, IBB's liable equity capital in the form of the special-purpose reserve continued to grow.
V letih, ki so sledila, je rizični lastni kapital, ki je bil evidentiran kot rezerva za posebne namene, stalno naraščal.
CAPITAL REQUIREMENTS UNDER THE OWN FUNDS AND SOLVENCY DIRECTIVES
KAPITALSKE ZAHTEVE V SKLADU Z DIREKTIVO O LASTNIH VIRIH SREDSTEV IN DIREKTIVO O SOLVENTNOSTI
The German Banking Act (Kreditwesengesetz, or KWG) was amended for the fourth time in 1993 in line with 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 require banks to 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 nadaljnjem besedilu „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 s četrto novelo leta 1993 spremenjen Zakon o bančništvu („KWG“), banke razpolagajo z rizičnim kapitalom v višini 8 % svoje tveganju prilagojene tehtane aktive.
At least 4 percentage points of that amount must consist of what is termed core capital, or ‘tier 1’ capital, meaning capital items which are at the credit institution's disposal without restriction and immediately in order to cover risks or losses as soon as they arise.
Od tega morajo vsaj štiri odstotne točke predstavljati tako imenovani temeljni kapital (kapital „razred 1“), ki zajema postavke kapitala, s katerimi kreditna institucija razpolaga neomejeno in neposredno z namenom kritja tveganj in izgub, takoj ko se te pojavijo.
The core capital is of decisive importance because additional capital, or ‘tier 2’ capital, is accepted as underpinning for risk-bearing transactions only up to the amount of the available core capital.
Ker se dopolnilni kapital (kapital „razred 2“) prizna samo v višini obstoječega temeljnega kapitala, s katerim se krije tvegane posle banke, je temeljni kapital odločilnega pomena.
Under the fourth KWG Amending Act, German banks had to adapt their own funds to the new requirements by 30 June 1993.
V okviru četrte novele KWG so morale nemške banke do 30.6.1993 svoj obseg rizičnega kapitala prilagoditi novim zahtevam.
EFFECTS OF THE TRANSFER ON LBB'S CAPITAL BASE
POSLEDICA PRENOSA ZA OBSEG LASTNEGA KAPITALA LBB
According to Germany, the new rules were not the reason for WBK's transfer to LBB as the latter clearly met the new capital requirements even without WBK's revenue reserves.
Kot pravi Nemčija, nova pravila za prenos WBK na LBB niso bila odločilna, saj je LBB tudi brez rezerve iz dobička WBK brez težav izpolnjevala zahteve glede obsega lastnega kapitala.