natgillin/translations-raw huggingface dataset:
The respective services are domestic money orders and international money orders provided in the Posta’s own right and Western Union money transfer which are available domestically and internationally, offering a real-time method for sending money.
Zadevne storitve so domača denarna nakazila in mednarodna denarna nakazila, ki jih samostojno opravlja družba Posta, ter denarno nakazilo Western Union, ki so na voljo na nacionalni in mednarodni ravni ter ponujajo metodo za pošiljanje denarja v realnem času.
For domestic transfers, both in Posta’s own right and on behalf of Western Union, the applicant considers that transaction between payment accounts are substitutes for money transfers in case the payee has a payment account.
V zvezi z domačimi nakazili, ki jih družba Posta opravlja samostojno ali v imenu Western Union, vlagateljica meni, da so transakcije med plačilnimi računi nadomestne možnosti za denarna nakazila, če ima prejemnik plačila plačilni račun.
Consequently the market of payments made in Hungary between accounts could be considered the relevant product market for domestic money transfers, although the exact definition can be left open.
Zato bi se trg plačil, izvedenih med računi na Madžarskem, lahko štel za upoštevni proizvodni trg za domača denarna nakazila, čeprav natančna opredelitev ni potrebna.
Calculated accordingly the market shares of the Posta were of less than 1 % in 2007, 2008 and 2009.
Ustrezno izračunani tržni deleži družbe Posta so bili v letih 2007, 2008 in 2009 manjši od 1 %.
In case of international money transfers, the activities undertaken by Posta and Western Union were considered close substitutes.
V primeru mednarodnih denarnih nakazil so se dejavnosti, ki sta jih opravljali družbi Posta in Western Union, štele za podobne nadomestne proizvode.
Moreover the payments through payment accounts are considered substitutable products, therefore the cross border payments between payment accounts is considered the relevant product market by the applicant.
Poleg tega se plačila prek plačilnih računov štejejo za nadomestljive produkte, zato vlagateljica čezmejna plačila med plačilnimi računi šteje za upoštevni proizvodni trg.
However, the exact definition of the relevant market can be left open.
Vendar natančna opredelitev upoštevnega trga ni potrebna.
The Posta’s market share calculated on this basis is of 0,5 % in 2007, 2008 and in 2009.
Tržni delež družbe Posta, izračunan na tej podlagi, v letih 2007, 2008 in 2009 znaša 0,5 %.
The application for exemption pertains also to certain activities of Posta, performed on behalf of others, in connection with certain financial services, where Posta acts as an intermediary.
Prošnja za izvzetje je povezana tudi z nekaterimi dejavnostmi, ki jih družba Posta izvaja v imenu drugih oseb in so povezane z nekaterimi finančnimi storitvami, pri katerih je družba Posta posrednik.
Intermediation of current accounts and the related products and services
Posredništvo pri transakcijskih računih ter povezanih produktih in storitvah
The application for exemption covers the intermediation of current accounts and the related products and services, namely: retail and corporate bank account services offered on behalf of credit institutions, including the accepting and forwarding of payment orders for execution, and the intermediation of sight deposits and fixed term deposits connected to a bank account.
Prošnja za izvzetje vključuje posredništvo pri transakcijskih računih ter povezanih produktih in storitvah, in sicer: bančno poslovanje s prebivalstvom in podjetji, ki ga družba Posta izvaja v imenu kreditnih institucij, vključno s sprejemanjem in posredovanjem plačilnih nalogov v izvršitev, ter posredništvo pri vpoglednih vlogah in vezanih vlogah, povezanih z bančnim računom.
The financial products and services offered by Posta as intermediary are provided by Erste Bank and OTP Bank.
Finančne produkte in storitve, ki jih kot posrednik ponuja družba Posta, zagotavljata Erste Bank in OTP Bank.
Posta is also offering deposit products on its own name.
Poleg tega ponuja družba Posta depozitne produkte v svojem imenu.
Previous Commission practice [15] make distinction between retail banking and corporate banking.
Komisija je v prejšnji praksi [15] različno obravnavala bančno poslovanje s prebivalstvom in bančno poslovanje s podjetji.
Retail banking is defined as all banking services to private individuals and very small enterprises, while corporate banking generally comprises banking services to large corporate customers and small and medium enterprises.
Bančno poslovanje s prebivalstvom zajema v skladu z opredelitvijo vse bančne storitve za fizične osebe in mikropodjetja, medtem ko bančno poslovanje s podjetji na splošno zajema bančne storitve za velike poslovne stranke ter mala in srednje velika podjetja.
However, in previous decisions [16] related to the retail banking sector, the Commission left open whether individual retail banking products represent separate product markets or whether several retail banking products may form part of a single relevant product market.
Vendar Komisija v prejšnjih sklepih [16] v zvezi z bančnim poslovanjem s prebivalstvom ni sprejela dokončne odločitve o tem, ali posamezni produkti bančnega poslovanja s prebivalstvom pomenijo ločene proizvodne trge oziroma ali je lahko več produktov bančnega poslovanja s prebivalstvom del enotnega upoštevnega proizvodnega trga.
The relevant product market needs to be distinguished according to the stage in the distribution chain (upstream — provision of current accounts and related products and services or downstream — intermediation of current accounts and related products and services).
Upoštevni proizvodni trg je treba razlikovati glede na stopnjo v distribucijski verigi (na začetku verige – zagotavljanje transakcijskih računov ter povezanih produktov in storitev; ali na koncu verige – posredovanje pri transakcijskih računih ter povezanih produktih in storitvah).
For the activity of intermediation of retail payment accounts, the relevant product market could be considered as the market for intermediation of retail current accounts and deposit products.
Kot upoštevni proizvodni trg za dejavnost posredovanja pri plačilnih računih za prebivalstvo se lahko šteje trg za posredovanje pri transakcijskih računih in depozitnih produktih za prebivalstvo.
For the activity of intermediation of corporate payment accounts, the relevant product market could be considered as the market for intermediation for corporate current accounts and deposit products.
Kot upoštevni proizvodni trg za dejavnost posredovanja pri plačilnih računih za podjetja se lahko šteje trg za posredovanje pri transakcijskih računih in depozitnih produktih za podjetja.
However, in accordance with recital 9 of this Decision, it is not necessary to define the relevant market.
Vendar v skladu z uvodno izjavo 9 tega sklepa upoštevnega trga ni treba opredeliti.
The applicant defines the geographical market as the entire territory of Hungary.
Vlagateljica je opredelila geografski trg kot celotno ozemlje Madžarske.
The Hungarian Competition Authority (GVH) confirmed that ‘for the purpose of the present case, all the financial institutions present in Hungary perform their activities nation-wide; there are no signs of regional deviation in any aspects of the financial services provision’.
Madžarski organ, pristojen za konkurenco (GVH), je potrdil, da „za ta primer vse finančne institucije na Madžarskem izvajajo dejavnosti v celotni državi; pri nobenem vidiku opravljanja finančnih storitev niso ugotovljena regionalna odstopanja“.
Moreover, previous Commission practice [17] in connection to financial markets considered the relevant geographical market to be national in scope due to different competitive conditions within individual Member States and the importance of a network of branches.
Poleg tega je bilo v prejšnji praksi Komisije [17] v zvezi s finančnimi trgi ugotovljeno, da je upoštevni geografski trg zaradi različnih konkurenčnih pogojev v posameznih državah članicah in pomembnosti mreže poslovalnic nacionalen.
The rest of the market is shared between other banks and financial institutions which are not subject to the provisions of Directive 2004/17/EC.
Preostale tržne deleže imajo druge banke in finančne institucije, za katere določbe Direktive 2004/17/ES ne veljajo.
In its inquiry on the retail banking of 2009 [18] the Hungarian Competition Authority (GVH) found that there are no major obstacles to account switching in Hungary, and moreover, it was observed that the level of current account switching is one of the highest when compared to the rest of EU Member State.
Madžarski organ, pristojen za konkurenco (GVH), je pri preiskavi v zvezi z bančnim poslovanjem s prebivalstvom iz leta 2009 [18] ugotovil, da na Madžarskem ni večjih ovir za zamenjavo bančnih računov ter da je stopnja zamenjave transakcijskih računov v primerjavi z drugimi državami članicami EU med največjimi.
The advantages of Posta’s extensive network are counterbalanced by the growth in importance of online banking.
Prednosti obsežne mreže družbe Posta niso tako izrazite zaradi vedno pomembnejšega spletnega bančništva.
According to a survey [19] of factors influencing the selection of a bank, by customers, the most important factors were found to be reliability and confidence, proximity and accessibility (including the availability of means to withdraw cash) and the quality of service.
Najpomembnejši dejavniki, na podlagi katerih stranke izberejo banko, so v skladu z raziskavo [19] o takšnih dejavnikih zanesljivost in zaupanje, bližina in dostopnost (vključno z dostopnostjo sredstev za dvig gotovine) ter kakovost storitve.
These conclusions were also confirmed by the results of the survey [20] on financial services and current account services.
Te ugotovitve so bile potrjene tudi z rezultati raziskave [20] o finančnih storitvah in storitvah v zvezi s transakcijskimi računi.
According to this source, the most important aspect when choosing a bank is the cost and reputation, while easy access (i.a. extensive network) appears to be less important.
Na podlagi tega vira so najpomembnejši vidiki pri izbiri banke stroški in ugled, medtem ko je dostop (tj. obsežna mreža) manj pomemben.
Furthermore, the spectrum of banking services, namely the availability of a broad range of banking services, and the high quality of service was also considered important.
Pomembna sta tudi obseg bančnih storitev, zlasti razpoložljivost različnih bančnih storitev, in visoka kakovost storitve.
Given the above, although Posta has an extensive network, there are other criteria which were labelled as significant by customers (reputation as a bank, banking services, quality of service) which play a counterbalancing role in choosing a bank.
Čeprav ima družba Posta vzpostavljeno obsežno mrežo, vplivajo na izbiro banke druga merila, ki so po mnenju strank pri tem pomembna (ugled banke, bančne storitve, kakovost storitve).
Customers whose needs include a broad range of services would therefore be reticent to consider choosing or changing to a postal account not offering the accustomed range of services.
Stranke, ki med drugim zahtevajo velik obseg storitev, so zato zadržane glede izbire ali zamenjave bančnega v poštni račun brez storitev, ki so jih navajene.
Credit intermediation
Kreditno posredništvo
This activity represents the intermediation of credit provided by third parties, with the Posta acting as a multiple special services intermediary.
Ta dejavnost pomeni posredovanje posojil tretjih oseb, pri katerem je družba Posta posrednik za več posebnih storitev.
Posta is offering credit products (with no collateral requirements, either movable, nor real estate) provided by Erste Bank to retail customers, while in the corporate sector, Posta offers a product of Magyar Fejlesztesi Bank, acting as a multiple special service intermediary.
Družba Posta ponuja strankam poslovanja s prebivalstvom kreditne proizvode (brez zavarovanja s premičnim ali nepremičnim premoženjem) banke Erste Bank, za podjetja pa kot posrednik za več posebnih storitev ponuja proizvod banke Magyar Fejlesztesi Bank.
The services concerned here can be subdivided in many different ways, according to factors such as the purposes for which a credit is taken or the typical customer (consumers, SMEs, larger undertakings or public administration).
Zadevne storitve je mogoče razdeliti na veliko različnih načinov glede na dejavnike, kot je namen najema posojila ali tipična stranka (potrošniki, mala in srednje velika podjetja, velika podjetja ali javna uprava).
Therefore, retail credit intermediation and corporate credit intermediation could be considered as separate product markets.
Zato se lahko kreditno posredovanje za prebivalstvo in kreditno posredovanje za podjetja štejeta za ločena proizvodna trga.
The product market of retail credit intermediation is defined by the applicant as the market of unrestricted mortgage loans and personal loans, both in Hungarian Forint and foreign currencies.
Proizvodni trg kreditnega posredovanja za prebivalstvo je vlagateljica opredelila kot trg hipotekarnih posojil in osebnih posojil brez omejitev v madžarskih forintih in tujih valutah.
This is not contradicted by previous Commission practice [21] whereby the Commission left open whether individual retail banking products represents separate relevant product markets or whether several retail banking products may form part of a single relevant product market.
Ta opredelitev ni v nasprotju s prejšnjo prakso Komisije [21], v kateri Komisija ni sprejela dokončne odločitve o tem, ali posamezni produkti bančnega poslovanja s prebivalstvom pomenijo ločene upoštevne proizvodne trge oziroma ali je lahko več produktov bančnega poslovanja s prebivalstvom del enotnega upoštevnega proizvodnega trga.
In the corporate sector, the Posta is offering only one type of corporate credit product.
Družba Posta ponuja podjetjem le eno vrsto kreditnih proizvodov za podjetja.
This product is offered typically by other financial institutions (i.e. savings cooperatives).
Ta proizvod običajno ponujajo druge finančne institucije (tj. hranilne zadruge).
The Posta offers this product in 45 designated locations and not throughout its entire network.
Družba Posta tega proizvoda ne ponuja v celotni mreži, ampak le na 45 določenih mestih.
The relevant product market for the corporate sector is considered by the applicant to include SMEs loans offered by credit institutions.
Upoštevni proizvodni trg za podjetja po mnenju vlagateljice vključuje posojila, ki jih malim in srednje velikim podjetjem ponujajo kreditne institucije.
However, as indicated in recital 9 above, the exact market definition can be left open, for the purposes of this Decision.
Vendar v skladu z uvodno izjavo 9 zgoraj natančna opredelitev trga v tem sklepu ni potrebna.
The geographical market is the entire territory of Hungary, virtually for the same reasons as stated in recital 41.
Geografski trg je zaradi razlogov, ki so skoraj enaki razlogom iz uvodne izjave 41, celotno ozemlje Madžarske.
Posta market shares in the market of retail credit as defined was less than 0,5 % in 2007, 2008 and 2009, while the market shares in the market of corporate credit is negligible (0 %) in the same years.
Tržni deleži družbe Posta na opredeljenem trgu posojil za prebivalstvo so bili leta 2007, 2008 in 2009 manjši od 0,5 %, medtem ko so bili tržni deleži na trgu posojil za podjetja v navedenih letih zanemarljivi (0 %).
The available data shows that the Posta market shares in these markets narrowly defined are so small that on a market more broadly defined Posta will have even smaller market shares.
Na podlagi razpoložljivih podatkov je mogoče ugotoviti, da so tržni deleži družbe Posta na teh ozko opredeljenih trgih tako majhni, da bodo njeni tržni deleži na širše opredeljenem trgu še manjši.
The rest of the market is shared between other banks and financial institutions — which are not subject to the provisions of the Utilities directive.
Preostale tržne deleže imajo druge banke in finančne institucije, za katere določbe direktive za posebne sektorje ne veljajo.
The cumulated market shares [22] of the first three competitors in 2007, 2008 and 2009 were as follows: 52,54 %, 51,39 % and 54,27 % respectively in the retail loans market and 42,69 %, 47,36 % and 48,07 % respectively in the corporate loans market.
Skupni tržni deleži [22] prvih treh konkurentov so leta 2007, 2008 in 2009 znašali: 52,54 %, 51,39 % in 54,27 % na trgu posojil za prebivalstvo ter 42,69 %, 47,36 % in 48,07 % na trgu posojil za podjetja.
For the purposes of this Decision, and without prejudice to the competition law, the above mentioned factors should be taken as an indication of direct exposure of Posta’s activity to competition.
Brez poseganja v konkurenčno pravo je treba zgoraj navedene dejavnike v tem sklepu obravnavati kot znak neposredne izpostavljenosti dejavnosti, ki jih izvaja družba Posta, konkurenci.
Intermediation and acceptance of payment cards issued by credit institutions
Posredništvo in sprejemanje plačilnih kartic, ki jih izdajo kreditne institucije
The Posta offers credit cards issued by Erste Bank Zrt.
Družba Posta ponuja kreditne kartice, ki jih izdaja Erste Bank Zrt.
This product is a standard credit card, in terms of conditions and services offered.
Ta proizvod je glede pogojev in ponujenih storitev običajna kreditna kartica.
In respect of debit cards, the Posta acts as intermediary covering corporate and retail bank cards associated with current accounts.
Na področju debetnih kartic je družba Posta posrednik za podjetniške in osebne bančne kartice, vezane na transakcijske račune.
The Posta acts as multiple special services intermediary, while the service is provided by Erste Bank Hungary Nyrt.
Ima vlogo posrednika za več posebnih storitev, medtem ko storitev zagotavlja Erste Bank Hungary Nyrt.
The cards offered are standard debit cards.
Pri tem ponuja običajne debetne kartice.
In respect of accepting payment cards the postal outlets are equipped with POS terminals enabling cash withdrawals with bank cards.
V zvezi z sprejemanjem plačilnih kartic so poštni uradi opremljeni s terminali POS, ki omogočajo dvig gotovine z bančnimi karticami.
The applicant argues that from the perspective of customers, the same service (obtaining cash) can be obtain by means of cash withdrawals at a bank teller, or at other POS terminal operated by third parties at locations other than the postal outlets, therefore the products are substitutable.
Vlagateljica je navedla, da je mogoče enako storitev (pridobitev gotovine) s stališča strank izvesti pri bančnem okencu ali na drugem terminalu POS, ki ga imajo tretje osebe na drugih mestih, ki niso poštni uradi, zato so proizvodi nadomestljivi.
The Commission has, in the past, distinguished [23] two main payment card related activities: first the issuing of cards to individuals and companies and secondly the ‘acquiring’ of merchants for card payment acceptance.
Komisija je v preteklosti različno obravnavala [23] dve glavni dejavnosti, povezani s plačilnimi karticami: izdajo kartic posameznikom in podjetjem ter „pridobitev“ trgovcev, ki sprejemajo plačilne kartice.
Moreover, within the activity of payment card issuing, the Commission has in previous decisions [24] discussed the possibility of distinguishing between different types of cards, but eventually the exact definition was left open.
Poleg tega je Komisija v zvezi z izdajo plačilnih kartic v prejšnjih sklepih [24] obravnavala morebitno razlikovanje med različnimi vrstami kartic, vendar natančna opredelitev na koncu ni bila določena.
For the purposes of this Decision, and without prejudice to the competition law, three product markets will be taken into consideration, namely, the credit card market, the debit card market and the accepting of cards.
Brez poseganja v konkurenčno pravo bodo v tem sklepu upoštevani trije proizvodni trgi, in sicer trg za kreditne kartice, trg za debetne kartice in sprejemanje plačilnih kartic.
As regards, the card accepting market, the product market defined by the applicant is not the market that was generally defined in previous Commission decisions mentioned in recital 59.
V zvezi s trgom za sprejemanje plačilnih kartic se proizvodni trg, ki ga je opredelila vlagateljica, ne ujema s trgom, ki je bil na splošno opredeljen v prejšnjih sklepih Komisije iz uvodne izjave 59.
The ‘original’ card accepting market is the one consisting of merchants who accept card payments.
„Prvotni“ trg za sprejemanje plačilnih kartic vključuje trgovce, ki sprejemajo plačila s karticami.
Another possible card accepting market is the one consisting of banks who offer card accepting services to such merchants.
Drug možni trg za sprejemanje plačilnih kartic vključuje banke, ki takšnim trgovcem ponujajo storitve sprejemanja plačilnih kartic.
However, as confirmed by the Hungarian Competition Authority (GVH) [25], in case of Posta, considering that the POS devices functions as ATM machines of the two banks, for which Posta is acting as intermediary, ‘Magyar Posta was probably correct to provide data on concentration based on concentration based on the number of ATM machines in operation’.
Vendar je družba Magyar Posta verjetno ravnala ustrezno, ker je zagotovila podatke o koncentraciji na podlagi števila delujočih bančnih avtomatov,“ kar je v zadevi Posta potrdil madžarski organ, pristojen za konkurenco (GVH), [25] ob upoštevanju dejstva, da naprave POS delujejo kot bančni avtomati obeh bank, za kateri družba Posta posreduje.
In terms of geographical market, previous Commission cases [26] indicated that the market of payment cards is still national in scope, although it admitted that there may be scope for widening the market in the future.
V zvezi z geografskim trgom je v prejšnjih zadevah, ki jih je obravnavala Komisija [26], navedeno, da je trg za plačilne kartice nacionalen, čeprav se dopušča, da se lahko trg v prihodnosti razširi.
In the present case, the geographical market definition is considered to be the entire territory of Hungary.
V tem primeru je geografski trg opredeljen kot celotno ozemlje Madžarske.
Between 2007 and 2009, Posta’s market shares was of less than 1 % in the credit card market, of less than 3 % in the debit card market and of less than 6 % in the accepting card market as defined by the applicant.
V skladu z opredelitvijo vlagateljice je bil tržni delež družbe Posta od leta 2007 do leta 2009 na trgu za kreditne kartice manjši od 1 %, na trgu za debetne kartice manjši od 3 %, na trgu za sprejemanje plačilnih kartic pa manjši od 6 %.
According to the Hungarian Competition Authority [27], following a recent study undertaken by the later and the Hungarian National Bank, out of the total number of 24 banks issuing debit cards the total market share of the top 5 banks in debit card issuing is approximately 82 %.
Madžarski organ, pristojen za konkurenco [27], je na podlagi študije, ki jo je nedavno izvedel v sodelovanju z madžarsko nacionalno banko, navedel, da je od skupaj 24 bank, ki izdajajo debetne kartice, skupni tržni delež petih največjih bank pri izdajanju debetnih kartic približno 82 %.
According to the same source the credit card issuing market is less concentrated; out of the 18 banks issuing credit cards, the top 7 banks have a combined market share of 68 % of the market.
Na podlagi podatkov iz istega vira je na trgu za izdajanje kreditnih kartic koncentracija manjša; od 18 bank, ki izdajajo kreditne kartice, je skupni tržni delež sedmih največjih bank 68 %.
Moreover, according to the application, the level of concentration as high in the accepting sector three quarters of the total number of ATMs ware operated by four banks.
Poleg tega je v skladu s prošnjo stopnja koncentracije na področju sprejemanja plačilnih kartic visoka, ker tri četrtine vseh bančnih avtomatov upravljajo štiri banke.