natgillin/translations-raw huggingface dataset:
In respect of the markets concerned by this decision, the market share of the main players on a given market constitutes one criterion which should be taken into account.
V zvezi s trgi, ki jih zadeva ta sklep, je tržni delež glavnih akterjev na določenem trgu eno od meril, ki jih je treba upoštevati.
As the conditions vary for the different activities that are concerned by this Decision, the examination of the competitive situation should take into account the different situations on different markets.
Pri preverjanju konkurenčnih razmer je treba upoštevati različne razmere na različnih trgih, ker se pogoji za različne dejavnosti, ki jih zadeva ta sklep, razlikujejo.
Although narrower market definitions might be envisaged in certain cases, the precise definition of the relevant market can be left open for the purposes of this Decision as far as a number of the services listed in the request submitted by Poste are concerned to the extent that the result of the analysis remains the same whether it is based on a narrow or a broader definition.
Čeprav je v določenih primerih mogoče predvideti podrobnejše opredelitve trgov, natančne opredelitve zadevnega trga za namene tega sklepa ni treba določiti, če se številne storitve, navedene v zahtevi, ki jo je predložila Poste, obravnavajo v takšnem obsegu, da rezultat analize ostane enak, ne glede na to, ali temelji na podrobni ali splošni opredelitvi.
This Decision is without prejudice to the application of the rules on competition.
Ta sklep ne posega v uporabo pravil o konkurenci.
Savings
Varčevanje
As mentioned under recital 5 above, the Italian competition authority has dealt with various mergers [5] between banks or other financial institutions in Italy and found the financial services provided by Poste in connection with its postal accounts to be ‘complementary’ to rather than ‘substitutable’ for the services provided by banks through the various forms of bank accounts.
Kot je navedeno v uvodni izjavi 5, je italijanski organ, pristojen za konkurenco, obravnaval različne združitve [5] bank ali drugih finančnih institucij v Italiji in ugotovil, da so finančne storitve, ki jih Poste zagotavlja v povezavi s poštnimi računi, bolj „dopolnila“ kot „nadomestila“ za storitve, ki jih banke zagotavljajo z različnimi oblikami bančnih računov.
This practice must, however, be seen in its context, namely, an examination of Poste’s possibilities of bringing competitive pressure to bear on banks [6].
Vendar je treba to prakso obravnavati v lastnem okviru, in sicer s preučitvijo možnosti Poste, da izvaja konkurenčni pritisk na banke [6].
The detailed analysis carried out by or for the Italian competition authority shows that a large majority of customers [7] having a bank account would not consider closing that account and opening a postal account.
Podrobna analiza, ki jo je opravil italijanski organ, pristojen za konkurenco, ali je bila opravljena zanj, kaže, da velika večina strank [7], ki imajo bančni račun, ne razmišlja o zaprtju svojega računa in odpiranju poštnega računa.
Thus, in 2005, over 28 million (legal or natural) persons had a bank account only, over 3 million had both a bank account and a postal account and less than 2,3 million persons had only a postal account.
Tako je imelo leta 2005 več kot 28 milijonov (pravnih ali fizičnih) oseb le bančni račun, več kot 3 milijone oseb je imelo bančni in poštni račun, manj kot 2,3 milijona oseb pa le poštni račun.
It is also noteworthy that the number of persons having a postal account only was found to grow less than the number of persons having both a postal account and a bank account.
Prav tako je pomembno, da se je število oseb z le poštnim računom povečalo manj kot število oseb s poštnim in bančnim računom.
These facts may to a large extent be explained through the normative restraints under which Poste operates and the ensuing fact that it offers a more restricted range of services connected to its accounts.
Ta dejstva je večinoma mogoče razložiti z regulativnimi omejitvami, na podlagi katerih Poste deluje, in posledično z dejstvom, da omogoča bolj omejen obseg storitev, povezanih z računi.
Customers whose needs include a broad range of services would therefore be reticent to consider changing to a postal account not offering the accustomed range of services [8].
Stranke s potrebami po širokem obsegu storitev so zato zadržane glede zamenjave bančnega v poštni račun brez storitev, ki so jih navajene [8].
The reason most frequently given for having both types of accounts was the ‘possibility to choose from time to time the most practical/easy and or the most advantageous/economic [means]’.
Najpogostejši razlog, zakaj imeti obe vrsti računov, je bila „možnost občasne izbire med najbolj praktičnim/preprostim in/ali najugodnejšim/najvarčnejšim [sredstvom]“.
The aim of the present Decision is to establish whether the services offered by Poste are exposed to such a level of competition (on markets to which access is free) that this will ensure that, also in the absence of the discipline brought about by the detailed procurement rules set out in Directive 2004/17/EC, Poste’s procurement for the pursuit of the activities concerned here will be carried out in a transparent, non-discriminatory manner based on criteria allowing it to identify the solution which overall is the economically most advantageous one.
Cilj tega sklepa je ugotoviti, ali so storitve, ki jih ponuja Poste, izpostavljene taki konkurenci (na trgih s prostim dostopom), da bo to tudi ob neobstoju discipline, ki je bila dosežena s podrobnimi pravili o javnem naročanju, določenimi v Direktivi 2004/17/ES, zagotovilo pregledno in nediskriminacijsko izvajanje javnih naročil Poste za opravljanje zadevnih dejavnosti na podlagi meril, ki omogočajo opredelitev v celoti ekonomsko najugodnejše rešitve.
For this purpose it is therefore necessary to examine whether the banks have the possibility to bringing competitive pressure to bear on Poste.
Zato je treba nujno preučiti, ali lahko banke izvajajo konkurenčni pritisk na Poste.
The facts set out in recital 13 above — in particular, the fact that for a customer of Poste, the choice of a bank account may offer either new services or, at least, more options when using services offered by both types of accounts — seem to strongly suggest that Poste is indeed subject to competitive pressure from the banks.
Na podlagi dejstev iz uvodne izjave 13, zlasti dejstva, da lahko izbira bančnega računa stranki Poste omogoči nove storitve ali vsaj več možnosti pri uporabi storitev, ki jih omogočata obe vrsti računov, se zdi, da je Poste pod konkurenčnim pritiskom bank.
This is also indicated by the Commission’s Decision C(2006) 4207 final of 26.9.2006 [9], in which the Commission, focusing on Poste’s competitive situation on the market for financial services, stated explicitly that ‘notably, the post office current accounts are in competition with bank current accounts, where both banks and PI have outlets’ [10].
To je navedeno tudi v Odločbi Komisije C(2006) 4207 konč. z dne 26. septembra 2006 [9], v kateri je Komisija, ki se je osredotočila na konkurenčni položaj Poste na trgu finančnih storitev, izrecno navedla, da so „zlasti poštni tekoči računi konkurenčni bančnim tekočim računom tam, kjer imajo svoje izpostave banke in tudi Poste“ [10].
However, it is worth noting that in the State aid field market analysis is carried out in a very general way, in the sense that markets are not defined and no specific market tests are performed.
Vendar je treba opozoriti, da se na področju državne pomoči tržna analiza izvede zelo splošno, tako da trgi niso opredeljeni in se ne izvede nobeno posebno preverjanje trga.
Therefore there is no market investigation organised such as those launched by the Commission for antitrust decisions.
Zato ni bila pripravljena nobena taka preiskava trga, kot jih je sprožila Komisija v zvezi s protimonopolnimi odločbami.
Consequently, for the purposes of Article 30 and without prejudice to the application of the rules on competition, it is necessary to take into account the services offered by banks and other financial institutions when establishing whether Poste is or not directly exposed to competition when offering savings services.
Zato je treba za namene člena 30 in brez poseganja v uporabo pravil o konkurenci upoštevati storitve, ki jih omogočajo banke in druge finančne institucije pri ugotavljanju, ali je Poste pri ponujanju storitev varčevanja neposredno izpostavljena konkurenci.
Geographically, the markets for savings collection are regional in extension and Poste’s market share varies from one region to the next.
V geografskem smislu so trgi za zbiranje prihrankov razširjeni regionalni, tržni delež Poste pa se po posameznih regijah razlikuje.
According to the latest available information, transmitted by the Italian authorities on 16 October 2009, Poste’s market shares stay within a band that varies between 1,4 % in Trentino Alto Adige to a regional maximum of 11,8 % in Molise.
Glede na zadnje razpoložljive informacije, ki so jih italijanski organi posredovali 16. oktobra 2009, tržni delež Poste ostaja v razponu med 1,4 % v regiji Trentino - Zgornje Poadižje in največjim regionalnim deležem 11,8 % v regiji Molise.
According to the available figures, Poste’s share on a nationwide basis amounted to 5,6 % in 2006 and would seem to have remained at a comparable or even slightly lower level in the subsequent years.
V skladu z razpoložljivimi številkami se je delež Poste na nacionalni ravni leta 2006 povzpel na 5,6 %, pri čemer se domneva, da bo v naslednjih letih ostal na primerljivi ali le malo nižji ravni.
Considering the degree of concentration on this market, where the two biggest competitors have an aggregate market share at the national level, which, for 2008, was estimated at 44,7 %, these factors should be taken as an indication of direct exposure to competition.
Ob upoštevanju stopnje koncentracije na tem trgu, kjer imata dva največja konkurenta skupni tržni delež na nacionalni ravni, ki je bil v letu 2008 ocenjen na približno 44,7 %, je treba te dejavnike obravnavati kot znak neposredne izpostavljenosti konkurenci.
The services concerned under this heading are described as covering lending, i.e. (third party) mortgages and loans, consumer credit, and financial leasing.
Glede na opis storitve iz tega poglavja zajemajo posojanje, tj. hipoteke in posojila (tretje osebe), potrošniški kredit in finančni zakup.
Given the normative constraints under which Poste operates (it may not grant credit to the public) it operates essentially as an intermediary which places the services concerned on behalf of banks and accredited financial intermediaries.
Glede na regulativne omejitve, na podlagi katerih Poste deluje (ne more odobriti kredita), pravzaprav deluje kot posrednik, ki izvaja zadevne storitve v imenu bank in akreditiranih finančnih posrednikov.
Poste, through its internal division, BancoPosta, operates ‘principally in the retail market for consumer banking and financial services and only marginally in the business services and public administration market’.
Poste prek svojega notranjega oddelka BancoPosta deluje predvsem na maloprodajnem trgu za osebno bančništvo in finančne storitve, le postransko pa na trgu poslovnih storitev in javne uprave.
The services concerned here can in turn be subdivided in many different ways according to factors such as the purposes for which a loan is taken [11] or the typical customer (consumers, SMEs, larger undertakings or public administrations) etc. As indicated in recital 11 above, the exact definition can, however, be left open for the purposes of the present Decision.
Zadevne storitve je mogoče po vrsti porazdeliti na različne načine, tj. glede na dejavnike, kot so razlogi za najem posojila [11] ali značilne stranke (potrošniki, mala in srednje velika podjetja, večja podjetja ali javna uprava) itd. Kot je navedeno v uvodni izjavi 11, pa natančne opredelitve za namene tega sklepa ni treba določiti.
Depending on the computations, Poste’s market share as distribution outlet for personal loans amounted to approximately 4,8 % [12] – 5 % in 2008, whereas the aggregate market shares of its three biggest competitors in the field of personal loans amounted to 43,6 % in that same year.
Odvisno od izračunov je tržni delež Poste kot distribucijske možnosti za osebna posojila v letu 2008 znašal približno od 4,8 [12] do 5 %, medtem ko je skupni tržni delež treh njenih največjih konkurentov na področju osebnih posojil v istem letu znašal 43,6 %.
For financial leasing, its market share was negligible in 2008, amounting to a mere 0,03 %.
Njen tržni delež na področju finančnega zakupa je bil v letu 2008 zanemarljiv in je znašal le 0,03 %.
In the field of investment Poste is mainly active in the downstream (distribution) phase for the placement of financial instruments (bonds in particular), and the placement of supplementary pension and financial/insurance products (in particular personal pension policies).
Poste je na področju naložb dejavna predvsem na koncu verige (distribucija) pri izdaji finančnih instrumentov (zlasti obveznic) in dopolnilnih pokojninskih in finančnih/zavarovalnih produktov (zlasti osebnih pokojninskih polic). Te storitve je mogoče razdeliti na različne načine (glede na vrsto finančnega instrumenta, stopnjo v upravni hierarhiji (na začetku/koncu verige), vrsto strank itd.).
These services can be divided in many different ways (according to the type of financial instrument, the stage in the management chain (upstream/downstream), according to the type of customers etc. Here as well, the exact definition can be left open for the purposes of the present Decision (see recital 11 above).
Tudi tu pa natančne opredelitve za namene tega sklepa ni treba določiti (glej uvodno izjavo 11).
In the field of life insurances, in 2008 Poste offered various types of insurances within branches I and III and was not active in branches IV, V and VI.
Na področju življenjskih zavarovanj je Poste leta 2008 ponujala različne vrste zavarovanj v panogah I in III, ni pa bila dejavna v panogah IV, V in VI.
Measured in number of policies its market share of branch I life insurances amounted to 17,03 %, while the corresponding figure for Branch III amounted to 19,4 %.
Tržni delež življenjskih zavarovanj panoge I, merjeno v številu polic, je znašal 17,03 %, medtem ko je ustrezna številka za panogo III znašala 19,4 %.
For the purposes of this Decision, these factors should therefore be taken as an indication of direct exposure to competition.
Za namene tega sklepa je treba te dejavnike obravnavati kot znak neposredne izpostavljenosti konkurenci.
Payment and money transfer services
Plačilne storitve in storitve denarnih nakazil
The payment services concerned here cover credit card services, including revolving credit cards, debit card services and prepaid card services.
V tem poglavju obravnavane plačilne storitve zajemajo storitve kreditnih kartic, vključno z revolving kreditnimi karticami, storitvami plačilnih kartic in storitvami predplačniških kartic.
The abovementioned normative restrictions on Poste have the effect that, in respect of credit cards, it operates essentially as an intermediary placing cards issued by others who take the full insolvency risk.
V zvezi s kreditnimi karticami navedene regulativne omejitve na Poste vplivajo tako, da ta deluje predvsem kot posrednik za ponudbo kartic, ki jih izdajo drugi in s tem prevzamejo celotno tveganje za plačilno nesposobnost.
It may, on the other hand, issue debit cards (Postamat) and prepaid cards.
Vendar lahko Poste izdaja plačilne kartice (Postamat) in predplačniške kartice.
According to the information submitted, Poste’s market share, measured in terms of value, amounted to 0,8 % in 2008 [15] in respect of credit cards.
V skladu s predloženimi informacijami je tržni delež Poste v zvezi s kreditnimi karticami, izmerjen glede na vrednost, leta 2008 [15] znašal 0,8 %.
Looking at debit cards, Poste obtained a market share of 16,74 % of this market, which constitutes 44,6 % of the overall sector for payment cards in Italy.
Poste je pri plačilnih karticah pridobila 16,74-odstotni tržni delež tega trga, kar pomeni 44,6 % celotnega sektorja plačilnih kartic v Italiji.
The remaining part of the debit card sector is made up of bank debit cards authorised at the POS (point of sale) for payments.
Preostali del sektorja plačilnih kartic sestavljajo bančne plačilne kartice, ki se odobrijo na prodajnih mestih (POS) za plačila.
For the purposes of this Decision, these factors should therefore be taken as an indication of direct exposure to competition in the field of credit cards, debit cards and prepaid cards.
Za namene tega sklepa je treba te dejavnike torej obravnavati kot znak neposredne izpostavljenosti konkurenci na področju kreditnih, plačilnih in predplačniških kartic.
As recalled under recital 2(d) above, the request also covers money transfer services.
Zahteva vključuje tudi storitve denarnih nakazil, kot je navedeno v uvodni izjavi 2(d).
For international money orders, the available information does not include specific market shares for Poste due to apparent problems in obtaining comparable statistics on international money transfers within the banking system.
V zvezi z mednarodnimi denarnimi nakazili razpoložljive informacije ne vključujejo določenih tržnih deležev Poste, in sicer zaradi očitnih težav pri pridobivanju primerljivih statističnih podatkov o mednarodnih denarnih nakazilih v bančnem sistemu.
However, considering that the number of international money orders only reaches slightly over 2 % of the total number of money orders and banker’s orders, it may be considered to be negligible for the purposes of this Decision, given also the ever increasing liberalisation initiatives in respect of money transfers across borders, such as the single euro payment area.
Vendar je ob upoštevanju, da mednarodna denarna nakazila dosegajo le malo več kot 2 % skupnega števila denarnih nakazil in plačilnih nalogov bankam, mogoče to obravnavati kot zanemarljivo za namene tega sklepa, tudi ob upoštevanju vedno večjega števila pobud za liberalizacijo v zvezi s čezmejnimi denarnimi nakazili, kot je enotno območje plačil v eurih.
These factors should therefore be taken as an indication of direct exposure to competition in the field of money transfer services.
Te dejavnike je zato treba obravnavati kot znak neposredne izpostavljenosti konkurenci na področju storitev za denarna nakazila.
In view of the factors examined in recitals 13 to 24, the condition of direct exposure to competition laid down in Article 30(1) of Directive 2004/17/EC should be considered to be met in Italy:
Glede na dejavnike, preučene v uvodnih izjavah 13 do 24, je treba pogoj neposredne izpostavljenosti konkurenci iz člena 30(1) Direktive 2004/17/ES šteti za izpolnjen v Italiji za:
Collection of savings from the public through a current account.
zbiranju prihrankov ljudi prek tekočega računa;
Lending on behalf of banks and accredited financial intermediaries.
posojanju v imenu bank in akreditiranih finančnih posrednikov;
Investment services and activities.
naložbenim storitvam in dejavnostim;
Payment and money transfer services.
plačilnim storitvam in storitvam denarnih nakazil.
Since the condition of unrestricted access to the market is also met, Directive 2004/17/EC should not apply when contracting entities award contracts intended to enable the services listed in points (a) to (d) of recital 25 to be carried out in Italy, nor when design contests are organised for the pursuit of such an activity in Italy.
Ker je izpolnjen tudi pogoj o neomejenem dostopu do trga, se Direktiva 2004/17/ES ne uporablja, če naročniki oddajajo naročila, katerih namen je omogočiti izvedbo storitev iz točk (a) do (d) uvodne izjave 25 v Italiji, niti če so organizirani natečaji za opravljanje take dejavnosti v Italiji.
This Decision is based on the legal and factual situation as of July to October 2009 as it appears from the information submitted by the Italian Republic.
Ta sklep temelji na pravnih in dejanskih razmerah v obdobju od julija do oktobra 2009, razvidnih iz informacij, ki jih je predložila Italijanska republika.
It may be revised, should significant changes in the legal or factual situation mean that the conditions for the applicability of Article 30(1) of Directive 2004/17/EC are no longer met,
Sklep je mogoče spremeniti, če bi pomembne spremembe pravnih ali dejanskih razmer pomenile, da pogoji za uporabo člena 30(1) Direktive 2004/17/ES niso več izpolnjeni –
Directive 2004/17/EC shall not apply to contracts awarded by contracting entities and intended to enable the following services to be carried out in Italy:
Direktiva 2004/17/ES se ne uporablja za javna naročila, ki jih oddajo naročniki in so namenjena omogočanju izvajanja naslednjih storitev v Italiji:
Done at Brussels, 5 January 2010.
V Bruslju, 5. januarja 2010
See Corte dei Conti [Court of Auditors] Report on the financial management of Poste Italiane for financial year 2006.
Glej poročilo računskega sodišča (Corte dei Conti) o finančnem upravljanju Poste Italiane za proračunsko leto 2006.
Poste Italiane-Aumento Commissione bolletini, available on www.agcm.it
Poročilo Poste Italiane-Aumento Commissione bolletini je na voljo na spletni strani: www.agcm.it
See Commission Decision C(2006) 4207 final of 26.9.2006 in State aid case C 42/06 (ex NN 52/06) — Italy — Poste Italiane — BancoPosta, point 59 and, in the same sense, Commission Decision C(2006) 5478 final of 22.11.2006 in State aid case C 49/06 (ex NN 65/06) — Italy — Poste Italiane — BancoPosta, point 72.
Glej Odločbo Komisije C(2006) 4207 konč. z dne 26. septembra 2006 v primeru državne pomoči C 42/06 (ex NN 52/06) – Italija – Poste Italiane – BancoPosta, točka 59, in v enakem smislu Odločbo Komisije C(2006) 5478 konč. z dne 22. novembra 2006 v primeru državne pomoči C 49/06 (ex NN 65/06) – Italija – Poste Italiane – BancoPosta, točka 72.
See in particular the authority’s ruling of 20 December 2007, No 16249, C8027 Intesa/Sanpaolo, in Bull. 49/2006.
Glej zlasti odločitev organa z dne 20. decembra 2007, št. 16249, C8027 Intesa/Sanpaolo, v poročilu št. 49/2006.
In fact, the detailed analysis carried out in the abovementioned Intesa/Sanpaolo case, looked, inter alia, at the degree to which bank customers would be inclined to change to the services provided by Poste.
Dejansko so podrobno analizo iz navedenega primera Intesa/Sanpaolo preučili v odsotnosti na stopnji, na kateri bi se stranke bank nagibale k zamenjavi s storitvami, ki jih zagotavlja Poste.
78,1 % would not consider changing to a postal account as opposed to 10,1 % who would.
O zamenjavi bančnega računa v poštni račun ne razmišlja 78,1 % strank, medtem ko 10,1 % strank dopušča to možnost.
Globally, the same tendency was also found when examining the willingness of bank customers to change when faced with 5 % rises in charges related to the use of a bank account.
Na splošno je bil rezultat enak pri preučevanju pripravljenosti strank bank za zamenjavo ob povišanju stroškov za uporabo bančnega računa za 5 %.
Here also, a majority was not willing to abandon their bank account in favour of a postal account.
Tudi v tem primeru se večina ni želela odpovedati svojemu bančnemu računu v zameno za poštni račun.
While the normative restraints will remain unchanged, Poste has started broadening the range of services it offers, which should intensify competition.
Pošta je začela s širitvijo obsega storitev, ki jih ponuja, kar bi moralo okrepiti konkurenco, vendar bodo regulativne omejitve ostale nespremenjene.
The Commission’s Decision on State aid C 42/06 (ex NN 52/06) — Italy Poste Italiane — BancoPosta ‘Remuneration of current accounts deposited with the Treasury’, published in OJ C 290, 29.11.2006, p. 8.
Odločba Komisije o državni pomoči št. C 42/06 (ex NN 52/06) — Poste Italiane – BancoPosta – „Obrestovanje tekočih računov, deponiranih pri državni blagajni“, objavljeno v UL C 290, 29.11.2006, str. 8.
Point 60 of the Decision.
Točka 60 Odločbe.