natgillin/translations-raw huggingface dataset:
where the payment institution provides any of the payment services listed in points 1 to 5 of the Annex, its capital shall at no time be less than EUR 125000.
če plačilna institucija opravlja katero koli plačilno storitev iz točk 1 do 5 Priloge, njen kapital nikoli ne sme biti nižji od 125000 EUR.
The payment institution's own funds, as defined in Articles 57 to 61, 63, 64 and 66 of Directive 2006/48/EC, may not fall below the amount required under Articles 6 or 8 of this Directive, whichever the higher.
Lastna sredstva plačilne institucije, kakor so opredeljena v členih 57 do 61, 63, 64 in 66 Direktive 2006/48/ES, ne smejo biti nižja od najvišjega izmed zneskov, ki se zahtevajo po členih 6 in 8 te direktive.
Member States shall take the necessary measures to prevent the multiple use of elements eligible for own funds where the payment institution belongs to the same group as another payment institution, credit institution, investment firm, asset management company or insurance undertaking.
Države članice sprejmejo ustrezne ukrepe za preprečitev večkratne uporabe elementov, ki so sprejemljivi kot lastna sredstva, če plačilna institucija sodi v isto skupino kot neka druga plačilna institucija, kreditna institucija, investicijska družba, družba za upravljanje premoženja ali zavarovalnica.
This paragraph shall also apply where a payment institution has a hybrid character and carries out activities other than providing payment services listed in the Annex.
Ta odstavek se tudi uporablja, če ima plačilna institucija hibridni značaj in opravlja dejavnosti, ki niso določene v prilogi.
If the conditions laid down in Article 69 of Directive 2006/48/EC are met, Member States or their competent authorities may choose not to apply Article 8 of this Directive to payment institutions which are included in the consolidated supervision of the parent credit institution pursuant to Directive 2006/48/EC.
Če so izpolnjeni pogoji iz člena 69 Direktive 2006/48/ES, državam članicam ali njihovim pristojnim organom ni treba uporabljati člena 8 te direktive za plačilne institucije, ki so v skladu z Direktivo 2006/48/ES zajete v konsolidirani nadzor matične kreditne institucije.
Calculation of own funds
Izračun lastnih sredstev
Notwithstanding the initial capital requirements set out in Article 6, Member States shall require payment institutions to hold, at all times, own funds calculated in accordance with one of the following three methods, as determined by the competent authorities in accordance with national legislation:
Ne glede na zahteve glede ustanovnega kapitala, določene v členu 6, države članice od plačilnih institucij zahtevajo, da imajo vedno na voljo lastna sredstva, izračunana na podlagi ene od naslednjih treh metod, ki jo v skladu z nacionalno zakonodajo določijo pristojni organi:
The payment institution's own funds shall amount to at least 10 % of its fixed overheads of the preceding year.
Lastna sredstva plačilne institucije znašajo najmanj 10 % njenih stalnih splošnih stroškov iz predhodnega leta.
The competent authorities may adjust that requirement in the event of a material change in a payment institution's business since the preceding year.
Pristojni organi lahko to zahtevo uskladijo v primeru bistvene spremembe v poslovanju plačilne institucije glede na predhodno leto.
Where a payment institution has not completed a full year's business at the date of the calculation, the requirement shall be that its own funds amount to at least 10 % of the corresponding fixed overheads as projected in its business plan, unless an adjustment to that plan is required by the competent authorities.
Če plačilna institucija na dan izračuna še ne posluje polno leto, se zahteva, da njena lastna sredstva znašajo najmanj 10 % zneska zadevnih stalnih splošnih stroškov, predvidenih v njenem poslovnem načrtu, razen če pristojni organi zahtevajo prilagoditev tega načrta.
The payment institution's own funds shall amount to at least the sum of the following elements multiplied by the scaling factor k defined in paragraph 2, where payment volume (PV) represents one twelfth of the total amount of payment transactions executed by the payment institution in the preceding year:
Lastna sredstva plačilne institucije so enaka najmanj vsoti naslednjih elementov, pomnoženi s faktorjem povečanja k, opredeljenega v odstavku 2, pri čemer obseg plačil (OP) znaša dvanajstino skupnega zneska plačilnih transakcij, ki jih je v predhodnem letu izvedla plačilna institucija:
4,0 % of the slice of PV up to EUR 5 million,
4,0 % dela OP do 5 milijonov EUR
2,5 % of the slice of PV above EUR 5 million up to EUR 10 million,
2,5 % dela OP od 5 milijonov EUR do 10 milijonov EUR
1 % of the slice of PV above EUR 10 million up to EUR 100 million,
1 % dela OP od 10 milijonov EUR do 100 milijonov EUR
0,5 % of the slice of PV above EUR 100 million up to EUR 250 million,
0,5 % dela OP od 100 milijonov EUR do 250 milijonov EUR
0,25 % of the slice of PV above EUR 250 million.
0,25 % dela OP nad 250 milijonov EUR.
The payment institution's own funds shall amount to at least the relevant indicator defined in point (a), multiplied by the multiplication factor defined in point (b) and by the scaling factor k defined in paragraph 2.
Lastna sredstva plačilne institucije so enaka najmanj zadevnemu kazalniku iz točke (a), pomnoženemu z množiteljem, opredeljenem v točki (b) in faktorjem povečanja k, opredeljenem v odstavku 2:
The relevant indicator is the sum of the following:
Zadevni kazalnik je vsota:
interest income,
dohodka od obresti,
interest expenses,
odhodka za obresti,
commissions and fees received, and
prejetih provizij in nadomestil ter
other operating income.
drugih prihodkov iz poslovanja.
Each element shall be included in the sum with its positive or negative sign.
Vsak element je vključen v vsoto s pozitivnim ali negativnim predznakom.
Income from extraordinary or irregular items may not be used in the calculation of the relevant indicator.
Dohodek iz izrednih ali občasnih postavk se za izračun zadevnega kazalnika ne sme uporabiti.
Expenditure on the outsourcing of services rendered by third parties may reduce the relevant indicator if the expenditure is incurred from an undertaking subject to supervision under this Directive.
Ustrezni kazalnik se lahko zmanjša za stroške zunanjih storitev, ki jih izvaja tretja oseba, če stroški bremenijo podjetje, ki je nadzorovano v skladu s to direktivo.
The relevant indicator is calculated on the basis of the twelve-monthly observation at the end of the previous financial year.
Zadevni kazalnik se izračuna na podlagi zadnjega dvanajstmesečnega opazovanja na koncu prejšnjega poslovnega leta.
The relevant indicator shall be calculated over the previous financial year.
Zadevni kazalnik se izračuna za prejšnje poslovno leto.
Nevertheless own funds calculated according to Method C shall not fall below 80 % of the average of the previous three financial years for the relevant indicator.
Lastna sredstva, izračunana po metodi C, pa kljub temu ne bodo nižja od 80 % povprečja ustreznega kazalnika v prejšnjih treh poslovnih letih.
The multiplication factor shall be:
Množitelj je enak:
10 % of the slice of the relevant indicator up to EUR 2,5 million;
10 % dela zadevnega kazalnika do 2,5 milijona EUR;
8 % of the slice of the relevant indicator from EUR 2,5 million up to EUR 5 million;
8 % dela zadevnega kazalnika od 2,5 milijona EUR do 5 milijonov EUR;
6 % of the slice of the relevant indicator from EUR 5 million up to EUR 25 million;
6 % dela zadevnega kazalnika od 5 milijonov EUR do 25 milijonov EUR;
3 % of the slice of the relevant indicator from EUR 25 million up to 50 million;
3 % dela zadevnega kazalnika od 25 milijonov EUR do 50 milijonov EUR;
1,5 % above EUR 50 million.
1,5 % nad 50 milijonov EUR.
The scaling factor k to be used in Methods B and C shall be:
Faktor povečanja k, ki se uporabi pri metodah B in C je enak:
0,5 where the payment institution provides only the payment service listed in point 6 of the Annex;
0,5, če plačilna institucija opravlja le plačilno storitev iz točke 6 Priloge;
0,8 where the payment institution provides the payment service listed in point 7 of the Annex;
0,8, če plačilna institucija opravlja plačilno storitev iz točke 7 Priloge;
1 where the payment institution provides any of the payment services listed in points 1 to 5 of the Annex.
1,0, če plačilna institucija opravlja katero koli plačilno storitev iz točk 1 do 5 Priloge.
The competent authorities may, based on an evaluation of the risk-management processes, risk loss data base and internal control mechanisms of the payment institution, require the payment institution to hold an amount of own funds which is up to 20 % higher than the amount which would result from the application of the method chosen in accordance with paragraph 1, or permit the payment institution to hold an amount of own funds which is up to 20 % lower than the amount which would result from the application of the method chosen in accordance with paragraph 1.
Na podlagi ocene procesov obvladovanja tveganj, podatkovnih zbirk o tveganju izgub in mehanizmov notranjega nadzora plačilne institucije lahko pristojni organi od te plačilne institucije zahtevajo, da ima na voljo znesek lastnih sredstev, ki je do 20 % višji od zneska, izračunanega na podlagi metode, izbrane v skladu z odstavkom 1, ali dovolijo plačilni instituciji, da ima na voljo znesek lastnih sredstev, ki je do 20 % nižji od zneska, izračunanega na podlagi metode, izbrane v skladu z odstavkom 1.
Safeguarding requirements
Zahteve za zaščitne ukrepe
The Member States or competent authorities shall require a payment institution which provides any of the payment services listed in the Annex and, at the same time, is engaged in other business activities referred to in Article 16(1)(c) to safeguard funds which have been received from the payment service users or through another payment service provider for the execution of payment transactions, as follows:
Države članice ali pristojni organi zahtevajo, da plačilna institucija, ki opravlja plačilne storitve iz Priloge ter sočasno opravlja druge poslovne dejavnosti iz člena 16(1)(c), varuje sredstva, ki jih je prejela od uporabnikov plačilnih storitev oziroma prek drugega ponudnika plačilnih storitev za izvršitev plačilnih transakcij, in sicer:
either:
bodisi
they shall not be commingled at any time with the funds of any natural or legal person other than payment service users on whose behalf the funds are held and, where they are still held by the payment institution and not yet delivered to the payee or transferred to another payment service provider by the end of the business day following the day when the funds have been received, they shall be deposited in a separate account in a credit institution or invested in secure, liquid low-risk assets as defined by the competent authorities of the home Member State; and
se ta sredstva nikoli ne smejo pomešati s sredstvi fizične ali pravne osebe, ki ni uporabnik plačilnih storitev, v imenu katerega se sredstva vodijo, in – če jih še vedno hrani plačilna institucija, ter do konca delovnega dne, ki sledi dnevu prejetja sredstev, še niso bila izročena prejemniku plačila ali prenesena drugemu ponudniku plačilnih storitev – se položijo na ločen račun pri kreditni instituciji ali vložijo v varna, likvidna sredstva z nizkim tveganjem, kakor jih opredelijo pristojni organi matične države članice; in
they shall be insulated in accordance with national law in the interest of the payment service users against the claims of other creditors of the payment institution, in particular in the event of insolvency;
so sredstva v skladu z nacionalno zakonodajo v korist teh uporabnikov plačilnih storitev izvzeta iz zahtevkov drugih upnikov plačilne institucije, zlasti v primeru nesolventnosti;
they shall be covered by an insurance policy or some other comparable guarantee from an insurance company or a credit institution, which does not belong to the same group as the payment institution itself, for an amount equivalent to that which would have been segregated in the absence of the insurance policy or other comparable guarantee, payable in the event that the payment institution is unable to meet its financial obligations.
so sredstva krita z zavarovalno polico ali drugo primerljivo garancijo, ki jo je izdala zavarovalnica ali kreditna institucija, ki ne sodi v isto skupino kot plačilna institucija, in sicer za znesek, enak tistemu, ki bi bil sicer ločen, če ga ne bi krila zavarovalna polica ali primerljiva garancija, izplačljiva v primeru, da plačilna institucija ne more izpolniti svojih finančnih obveznosti.
Where a payment institution is required to safeguard funds under paragraph 1 and a portion of those funds is to be used for future payment transactions with the remaining amount to be used for non-payment services, that portion of the funds to be used for future payment transactions shall also be subject to the requirements under paragraph 1.
Kadar se od plačilne institucije zahteva, da varuje sredstva po odstavku 1, in se del teh sredstev uporabi za prihodnje plačilne transakcije, ob tem pa se saldo uporablja za neplačilne storitve, tudi za ta del sredstev, prejetih za prihodnje plačilne transakcije, veljajo zahteve iz odstavka 1.
Where that portion is variable or unknown in advance, Member States may allow payment institutions to apply this paragraph on the basis of a representative portion assumed to be used for payment services provided such a representative portion can be reasonably estimated on the basis of historical data to the satisfaction of the competent authorities.
Kadar se ta del spreminja ali ni znan vnaprej, lahko države članice plačilnim institucijam omogočijo, da ta odstavek uporabljajo na podlagi reprezentativnega dela, ki bo domnevno uporabljen za plačilne storitve, če se lahko tak reprezentativni del po mnenju pristojnih organov zadostno in zadovoljivo oceni na podlagi preteklih podatkov.
The Member States or competent authorities may require that payment institutions which are not engaged in other business activities referred to in Article 16(1)(c) shall also comply with the safeguarding requirements under paragraph 1 of this Article.
Države članice ali pristojni organi lahko zahtevajo, da tudi plačilne institucije, ki ne opravljajo drugih poslovnih dejavnosti iz člena 16(1)(c), izpolnjujejo zahteve za zaščitne ukrepe iz odstavka 1 tega člena.
The Member States or competent authorities may also limit such safeguarding requirements to funds of those payment service users whose funds individually exceed a threshold of EUR 600.
Države članice ali pristojni organi lahko zahteve za takšne zaščitne ukrepe tudi omejijo na sredstva uporabnikov plačilnih storitev, katerih sredstva posamezno presežejo prag 600 EUR.
Granting of authorisation
Izdaja dovoljenj
Member States shall require undertakings other than those referred to in Article 1(1)(a) to (c), (e) and (f) and other than legal or natural persons benefiting from a waiver under Article 26, who intend to provide payment services, to obtain authorisation as a payment institution before commencing the provision of payment services.
Države članice od podjetij, ki niso podjetja iz člena 1(1)(a) do (c), (e) in (f) in niso pravne ali fizične osebe, ki jim je bila odobrena opustitev iz člena 26, in ki nameravajo opravljati plačilne storitve, zahtevajo, da pred začetkom opravljanja plačilnih storitev pridobijo dovoljenje za poslovanje kot plačilna institucija.
An authorisation shall only be granted to a legal person established in a Member State.
Dovoljenje se izda le pravnim osebam, ustanovljenim v državi članici.
An authorisation shall be granted if the information and evidence accompanying the application complies with all the requirements under Article 5 and if the competent authorities' overall assessment, having scrutinised the application, is favourable.
Dovoljenje se izda, če informacije in dokazila, ki spremljajo prošnjo, izpolnjujejo vse zahteve iz člena 5 in če pristojni organi, ki so pregledali prošnjo, dajo ugodno splošno oceno.
Before an authorisation is granted, the competent authorities may, where relevant, consult the national central bank or other relevant public authorities.
Pred izdajo dovoljenja se pristojni organi lahko po potrebi posvetujejo z nacionalno centralno banko ali drugimi ustreznimi javnimi organi.
A payment institution which under the national law of its home Member State is required to have a registered office, shall have its head office in the same Member State as its registered office.
Plačilna institucija, ki mora v skladu z nacionalno zakonodajo matične države imeti registriran sedež, ima glavno upravo v isti državi članici kot registrirani sedež.
The competent authorities shall grant an authorisation only if, taking into account the need to ensure the sound and prudent management of a payment institution, the payment institution has robust governance arrangements for its payment services business, which include a clear organisational structure with well-defined, transparent and consistent lines of responsibility, effective procedures to identify, manage, monitor and report the risks to which it is or might be exposed, and adequate internal control mechanisms, including sound administrative and accounting procedures; those arrangements, procedures and mechanisms shall be comprehensive and proportionate to the nature, scale and complexity of the payment services provided by the payment institution.
Ob upoštevanju, da je treba zagotoviti varno in skrbno upravljanje plačilne institucije, pristojni organi dovoljenje izdajo le, če ima plačilna institucija zanesljivo ureditev upravljanja za dejavnost plačilnih storitev, ki vključuje jasno organizacijsko strukturo z natančno opredeljenimi, preglednimi in doslednimi linijami odgovornosti, učinkovitimi postopki za ugotavljanje, upravljanje in spremljanje tveganj ter poročanje o tveganjih, katerimi je ali bi lahko bila izpostavljena, ter primerne mehanizme za notranjo kontrolo, vključno z zanesljivimi administrativnimi in računovodskimi postopki; te ureditve, postopki in mehanizmi so celoviti in sorazmerni z naravo, obsegom in kompleksnostjo plačilnih storitev, ki jih opravlja plačilna institucija.
Where a payment institution provides any of the payment services listed in the Annex and, at the same time, is engaged in other business activities, the competent authorities may require the establishment of a separate entity for the payment services business, where the non-payment services activities of the payment institution impair or are likely to impair either the financial soundness of the payment institution or the ability of the competent authorities to monitor the payment institution's compliance with all obligations laid down by this Directive.
Če plačilna institucija opravlja plačilne storitve iz Priloge ter istočasno opravlja druge poslovne dejavnosti, lahko pristojni organi zahtevajo ustanovitev ločenega subjekta za opravljanje dejavnosti plačilnih storitev, če dejavnosti plačilne institucije, ki niso plačilne storitve, škodujejo ali utegnejo škodovati bodisi finančni trdnosti plačilne institucije bodisi zmožnosti pristojnih organov, da spremljajo, kako plačilna institucija izpolnjuje svoje obveznosti, določene v tej direktivi.
The competent authorities shall refuse to grant an authorisation if, taking into account the need to ensure the sound and prudent management of a payment institution, they are not satisfied as to the suitability of the shareholders or members that have qualifying holdings.
Pristojni organi zavrnejo izdajo dovoljenja, če se jim zgoraj navedeni delničarji ali družbeniki, ki imajo kvalificirane deleže, glede na potrebo po zagotovitvi varnega in skrbnega upravljanja plačilne institucije ne zdijo primerni.
Where close links as defined in Article 4(46) of Directive 2006/48/EC exist between the payment institution and other natural or legal persons, the competent authorities shall grant an authorisation only if those links do not prevent the effective exercise of their supervisory functions.
Če med plačilnimi institucijami in drugimi fizičnimi ali pravnimi osebami obstajajo tesne povezave, kakor so opredeljene v členu 4(46) Direktive 2006/48/ES, pristojni organi izdajo dovoljenje le, če te povezave ne preprečujejo učinkovitega izvajanja njihovih nadzornih funkcij.
The competent authorities shall grant an authorisation only if the laws, regulations or administrative provisions of a third country governing one or more natural or legal persons with which the payment institution has close links, or difficulties involved in the enforcement of those laws, regulations or administrative provisions, do not prevent the effective exercise of their supervisory functions.
Pristojni organi prav tako izdajo dovoljenje le, če zakoni in drugi predpisi v tretji državi, ki veljajo za eno ali več fizičnih ali pravnih oseb, s katerimi je plačilna institucija tesno povezana, ali težave pri izvrševanju navedenih zakonov in drugih predpisov ne preprečujejo učinkovitega izvajanja nadzornih funkcij pristojnih organov.
An authorisation shall be valid in all Member States and shall allow the payment institution concerned to provide payment services throughout the Community, either under the freedom to provide services or the freedom of establishment, provided that such services are covered by the authorisation.
Dovoljenje velja v vseh državah članicah in zadevni plačilni instituciji omogoča opravljanje plačilnih storitev na celotnem ozemlju Skupnosti, bodisi v skladu s pravico do opravljanja storitev bodisi v skladu s pravico do ustanavljanja, pod pogojem, da dovoljenje zajema takšne storitve.
Communication of the decision
Sporočanje odločitev
Within three months of receipt of an application or, should the application be incomplete, of all the information required for the decision, the competent authorities shall inform the applicant whether the authorisation has been granted or refused.
V roku treh mesecev od prejema prošnje ali, če je prošnja nepopolna, od prejema vseh informacij, potrebnih za odločanje, pristojni organi obvestijo prosilca, ali mu je bilo dovoljenje podeljeno ali zavrnjeno.
Reasons shall be given whenever an authorisation is refused.
Za vsako zavrnitev prošnje se navedejo razlogi.
The competent authorities may withdraw an authorisation issued to a payment institution only where the institution:
Pristojni organi lahko odvzamejo dovoljenje, izdano plačilni instituciji le, če navedena institucija:
does not make use of the authorisation within 12 months, expressly renounces the authorisation or has ceased to engage in business for more than six months, if the Member State concerned has made no provision for the authorisation to lapse in such cases;
v 12 mesecih dovoljenja ne uporabi, dovoljenje izrecno odkloni ali se več kakor šest mesecev ni ukvarjala s posli, če zadevna država članica ne sprejme določbe, da v takih primerih dovoljenje poteče;
has obtained the authorisation through false statements or any other irregular means;
pridobi dovoljenje na podlagi neresničnih izjav ali kakor koli drugače nepravilno;
no longer fulfils the conditions for granting the authorisation;
ne izpolnjuje več pogojev za pridobitev dovoljenja;
would constitute a threat to the stability of the payment system by continuing its payment services business; or
bi z nadaljnjim opravljanjem plačilnih storitev ogrozila stabilnost plačilnega sistema; ali
falls within one of the other cases where national law provides for withdrawal of an authorisation.
je podan eden od drugih primerov, za katere nacionalna zakonodaja predpisuje odvzem dovoljenja.
Reasons shall be given for any withdrawal of an authorisation and those concerned shall be informed accordingly.
Za vsak odvzem dovoljenja se navedejo razlogi in o njih ustrezno obvestijo zadevne osebe.
The withdrawal of an authorisation shall be made public.
Odvzem dovoljenja se objavi.