natgillin/translations-raw huggingface dataset:
In view of the low market shares of Posta and the presence of other banks and financial institutions, which bring competitive pressure on Posta’s activity we can conclude that for the purposes of this Decision, and without prejudice to the competition law, these factors should be taken as an indication of direct exposure of Posta’s activity to competition.
Glede na majhne tržne deleže družbe Posta in dejstvo, da na tem področju delujejo druge banke in finančne institucije, ki izvajajo konkurenčni pritisk na dejavnost družbe Posta, je ugotovljeno, da je treba brez poseganja v konkurenčno pravo te dejavnike v tem sklepu obravnavati kot znak neposredne izpostavljenosti dejavnosti, ki jih izvaja družba Posta, konkurenci.
Intermediation of investments and special purpose savings on behalf of others
Posredništvo pri naložbah in namenskih varčevanjih v imenu drugih oseb
This category of services covers the sale of financial instruments and the marketing of special investments products.
Ta skupina storitev vključuje prodajo finančnih instrumentov in trženje posebnih naložbenih produktov.
The financial instruments offered are government securities, investment funds of Erste Befektetesi Zrt, other securities and a special home savings arrangement on behalf of Fundamenta Lakaskassza Zrt. and OTP Lakastakarekpenztar Zrt., acting as intermediary.
Med ponujene finančne instrumente spadajo državni vrednostni papirji, investicijski skladi Erste Befektetesi Zrt, drugi vrednostni papirji in posebne ureditve varčevanja za gospodinjstva v imenu Fundamenta Lakaskassza Zrt. in OTP Lakastakarekpenztar Zrt. kot posrednika.
In previous cases, the Commission has left open the question whether each of these services might constitute separate product markets [28].
Komisija v prejšnjih zadevah ni dokončno odgovorila na vprašanje, ali posamezne navedene storitve morda spadajo na ločen proizvodni trg [28].
The definition will be left open in this case as the services provided by Posta as an intermediary do not raise competition concerns, regardless of the alternative market definition considered.
Opredelitev v tem primeru ne bo dokončna, ker storitve, ki jih kot posrednik opravlja družba Posta, ne glede na nadomestno opredelitev trga ne povzročajo pomislekov o konkurenci.
As regards geographical scope, the Commission has considered [29] that most of the market segments are international in scope, but some of them have been analysed from a national perspective [30].
V zvezi z geografskim obsegom Komisija meni [29], da je večina tržnih segmentov mednarodna, čeprav so bili nekateri analizirani z nacionalnega stališča [30].
The exact geographical market definition will be left open, and in the present case the geographical market will be considered the territory of Hungary.
Natančna opredelitev geografskega trga ne bo določena, pri čemer se bo kot geografski trg v tem primeru štelo ozemlje Madžarske.
Between 2007 and 2009, Posta’s market share was of less than 4 % in the market of government securities, between 3 % and 9 % in the market of investment units, of less than 2 % in the market for bonds and of less than 4 % in the market of home savings arrangements.
Tržni delež družbe Posta od leta 2007 do leta 2009 je bil na trgu državnih vrednostnih papirjev manjši od 4 %, na trgu za deleže v investicijskih skladih je znašal od 3 % do 9 %, na trgu obveznic je bil manjši od 2 %, na trgu ureditev varčevanja za gospodinjstva pa je bil manjši od 4 %.
For the purposes of this Decision, and without prejudice to the competition law, these factors should be taken as an indication of direct exposure to competition of Posta’s activity in the investment market.
Brez poseganja v konkurenčno pravo je treba te dejavnike v tem sklepu obravnavati kot znak neposredne izpostavljenosti dejavnosti, ki jih izvaja družba Posta, konkurenci na naložbenem trgu.
Intermediation of insurance products
Posredništvo pri zavarovalnih produktih
Posta offers life insurance on behalf of Magyar Posta Eletbiztosito Zrt. and non-life insurance on behalf of Magyar Posta Biztosito Zrt.
Družba Posta ponuja življenjsko zavarovanje v imenu družbe Magyar Posta Eletbiztosito Zrt. in neživljenjsko zavarovanje v imenu družbe Magyar Posta Biztosito Zrt.
In its previous decisions [31], the Commission has distinguished between three broad categories of types of insurances, namely: life insurance, non-life insurance and reinsurance.
Komisija je v prejšnjih sklepih [31] različno obravnavala tri široke skupine vrst zavarovanj, in sicer: življenjsko zavarovanje, neživljenjsko zavarovanje in pozavarovanje.
Moreover, it was observed that, from the demand side, life and non-life insurance can be further divided into as many individual product markets as there are different kinds of risks covered.
Poleg tega je bilo ugotovljeno, da je mogoče življenjsko in neživljenjsko zavarovanje s stališča povpraševanja dodatno razdeliti na toliko posameznih proizvodnih trgov, kolikor je različnih tveganj, ki jih takšna zavarovanja krijejo.
In relation to life insurance the Commission has considered in previous decisions the following segmentations: life-individual, life-group and unit linked, or, alternatively, individual protection, group protection, personal pension, group pensions, savings and investments [32].
V zvezi z življenjskim zavarovanjem je Komisija v prejšnjih sklepih obravnavala naslednjo delitev: individualno življenjsko zavarovanje, skupinsko življenjsko zavarovanje in življenjsko zavarovanje, vezano na enoto investicijskega sklada, ali posamično varstvo, skupinsko varstvo, osebno pokojninsko zavarovanje, skupinsko pokojninsko zavarovanje, varčevanje in naložbe [32].
In relation to non-life insurance the Commission has previously considered, inter alia, motor, fire, transport, health, property, general civil liability, casualty, litigation, working accidents and credit insurance [33].
V zvezi z neživljenjskim zavarovanjem je Komisija med drugim že obravnavala zavarovanje motornih vozil, požarno, transportno, zdravstveno in premoženjsko zavarovanje, zavarovanje splošne civilnopravne odgovornosti, nezgodno zavarovanje, zavarovanje pravne zaščite, zavarovanje za primer poškodbe pri delu in kreditno zavarovanje [33].
However, supply side considerations could lead to broader product markets.
Vendar bi se lahko s stališča ponudbe obravnavali širši proizvodni trgi.
For the purposes of this Decision the exact product market definition can be left open.
V tem sklepu natančna opredelitev proizvodnega trga ni potrebna.
The Commission has in the past also analysed the distribution of insurance products and confirmed that the relevant market for either non-life or life insurance distribution would comprise all outward (i.e. third party or non-owned) distribution channels, such as brokers, agents and other intermediaries [34].
Komisija je analizirala tudi distribucijo zavarovalnih produktov in potrdila, da upoštevni trg za distribucijo neživljenjskega ali življenjskega zavarovanja vključuje vse zunanje distribucijske poti (tj. poti prek tretjih oseb ali nelastniške poti), kot so zavarovalni posredniki, zastopniki in drugi posredniki [34].
However, for the purposes of this Decision the exact product market definition can be left open.
Vendar v tem sklepu natančna opredelitev proizvodnega trga ni potrebna.
In respect of geographical market, the Commission in its previous decisions [35] has defined the markets for life insurance as being national in scope due to national distribution channels, the established market structure, fiscal constraints and different regulatory systems.
V zvezi z geografskim trgom je Komisija v prejšnjih sklepih [35] opredelila, da so trgi za življenjsko zavarovanje zaradi nacionalnih distribucijskih poti, ugotovljene tržne strukture, fiskalnih omejitev in različnih regulativnih sistemov nacionalni.
The same approach will be used in the present case and the geographical market will be considered the entire territory of Hungary.
Enak pristop bo upoštevan v tem primeru, pri čemer se bo kot geografski trg štelo celotno ozemlje Madžarske.
Between 2007 and 2009, Posta’s market share was of less than 5 % [36] in the market of life insurance products, and of less than 1 % [37] for non-life insurance products.
Tržni delež družbe Posta od leta 2007 do leta 2009 je bil na trgu produktov življenjskega zavarovanja manjši od 5 % [36], za produkte neživljenjskega zavarovanja pa manjši od 1 % [37].
These figures indicate that market shares for the intermediation of insurance are also low.
Na podlagi teh podatkov je mogoče ugotoviti, da so nizki tudi tržni deleži za posredovanje pri zavarovanjih.
In the same years, the combined market shares of the first three competitors was of 52,29 %, 51,08 % and 50,1 % respectively in the market of life insurance products, and of 54,84 %, 52,56 % and 51,66 % respectively in the market of non-life insurance products.
Skupni tržni deleži prvih treh konkurentov so v navedenih letih znašali 52,29 %, 51,08 % in 50,1 % na trgu produktov življenjskega zavarovanja ter 54,84 %, 52,56 % in 51,66 % na trgu produktov neživljenjskega zavarovanja.
For the purposes of this Decision, and without prejudice to the competition law, these factors should be taken as an indication of direct exposure to competition of Posta’s activity in the insurance market.
Brez poseganja v konkurenčno pravo je treba te dejavnike v tem sklepu obravnavati kot znak neposredne izpostavljenosti dejavnosti, ki jih izvaja družba Posta, konkurenci na zavarovalnem trgu.
In view of the factors examined in recitals 11 to 77, 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 Hungary for the following activities:
Glede na proučene dejavnike iz uvodnih izjav 11 do 77 se lahko sklepa, da je pogoj za neposredno izpostavljenost konkurenci iz člena 30(1) Direktive 2004/17/ES na Madžarskem izpolnjen pri naslednjih dejavnostih:
services enabling cash to be placed on a payment account;
storitev, ki omogočajo polog gotovine na plačilni račun;
services enabling cash withdrawals from a payment account;
storitev, ki omogočajo gotovinske dvige s plačilnega računa;
money transfer services;
storitev denarnih nakazil;
intermediation of current accounts and the related products and services;
posredništva pri transakcijskih računih ter povezanih produktih in storitvah;
credit intermediation;
kreditnega posredništva;
intermediation and acceptance of payment cards issued by credit institutions;
posredništva in sprejemanja plačilnih kartic, ki jih izdajo kreditne institucije;
intermediation of investments and special purpose savings on behalf of others;
posredništva pri naložbah in namenskih varčevanjih v imenu drugih oseb;
intermediation of insurance products.
posredništva pri zavarovalnih produktih.
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 recital 78 to be carried out in Hungary, nor when design contests are organised for the pursuit of such an activity in Hungary.
Ker je izpolnjen tudi pogoj o neomejenem dostopu do trga, se Direktiva 2004/17/ES ne uporablja, če naročniki oddajo naročila, katerih namen je omogočiti izvedbo storitev iz uvodne izjave 78 na Madžarskem ali če so organizirani natečaji za opravljanje take dejavnosti na Madžarskem.
The financial services carried out by Posta are auxiliary to postal services as per Article 6(2)(b) of Directive 2004/17/EC.
Finančne storitve, ki jih opravlja družba Posta, so pomožne poštne storitve v skladu s členom 6(2)(b) Direktive 2004/17/ES.
The postal services carried out by the Posta are not subject to this exemption request, therefore for these activities the provisions of Directive 2004/17/EC continue to apply.
Za poštne storitve, ki jih opravlja družba Posta, ta prošnja za izvzetje ne velja, zato se za te dejavnosti določbe Direktive 2004/17/ES uporabljajo še naprej.
In this context, it is recalled that procurement contracts covering several activities shall be treated in accordance with Article 9 of Directive 2004/17/EC.
V zvezi s tem je poudarjeno, da se pogodbe za javna naročila, ki zajemajo več dejavnosti, obravnavajo v skladu s členom 9 Direktive 2004/17/ES.
This means that, when a contracting entity is engaged in ‘mixed’ procurement, that is procurement used to support the performance of both, activities exempted from the application of Directive 2004/17/EC and activities not exempted, regard shall be had to the activities for which the contract is principally intended.
To pomeni, da je treba, kadar naročnik izvaja „mešano“ naročilo, tj. naročilo, ki se uporablja za podporo učinkovitosti dejavnosti, izvzetih iz uporabe Direktive 2004/17/ES, in dejavnosti, ki niso izvzete, upoštevati dejavnosti, za katere je bila pogodba prvotno namenjena.
In the event of such mixed procurement, where the purpose is principally to support postal activities, the provision of Directive 2004/17/EC shall apply.
Kadar se izvaja takšno mešano naročilo in kadar je prvotni namen podpora poštnim dejavnostim, se uporablja določba Direktive 2004/17/ES.
If it is objectively impossible to determine for which activity the contract is principally intended, the contract shall be awarded in accordance with the rules referred to in paragraphs 2 and 3 of Article 9 of Directive 2004/17/EC.
Če je objektivno nemogoče določiti, kateri dejavnosti je pogodba prvotno namenjena, se pogodba dodeli v skladu s predpisi iz odstavkov 2 in 3 člena 9 Direktive 2004/17/ES.
This Decision is based on the legal and factual situation as of July to October 2011 as it appears from the information submitted by Magyar Posta, and the Hungarian Competition Authority.
Ta sklep temelji na pravnih dejstvih in dejanskem stanju od julija do oktobra 2011, kot je razvidno iz informacij, ki sta jih predložila družba Magyar Posta in madžarski organ, pristojen za konkurenco.
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 se lahko spremeni, če bi bistvene spremembe pravnih dejstev ali dejanskega stanja povzročile, 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 Hungary:
Direktiva 2004/17/ES se ne uporablja za javna naročila, ki jih oddajo naročniki in so namenjena omogočanju opravljanja naslednjih storitev na Madžarskem:
This Decision is addressed to the Republic of Hungary in accordance to the Treaties.
Ta sklep je naslovljen na Republiko Madžarsko v skladu s Pogodbama.
See application, p. 11.
Glej prošnjo na strani 11.
For example, from among the payment services, international postal money orders service is provided in only 328 postal outlets and Western Union money transfer service provided as intermediary at 1024 postal outlets.
Med plačilnimi storitvami opravlja na primer storitev mednarodnih poštnih denarnih nakazil le 328 poštnih uradov, medtem ko storitev denarnega nakazila Western Union v vlogi posrednika opravlja 1024 poštnih uradov.
From among services provided on behalf of others, intermediation of Posta credit card, intermediation of investment bonds and certain insurance products are offered only at 343 locations, the current account products of OTP Bank for retail customers is offered at 244 postal outlets while corporate credit at only offered in only 45 locations.
Med storitvami, ki se opravljajo v imenu drugih, ponuja posredništvo pri kreditni kartici Posta, posredništvo pri naložbah v obveznice in nekatere zavarovalniške proizvode le 343 poštnih uradov, proizvode transakcijskih računov OTP Bank za stranke poslovanja s prebivalstvom ponuja 244 poštnih uradov, podjetniški kredit pa ponuja le 45 poštnih uradov.
European Central Bank: ‘Payment and securities settlement systems in the European Union: non-euro-area countries — Hungary’, August 2007.
[4] Evropska centralna banka, Payment and Securities settlement system s in the European Union: non-euro area countries – Hungary (Plačilni sistemi in sistemi za poravnavo vrednostnih papirjev v Evropski Uniji: države zunaj evroobmočja – Madžarska), avgust 2007.
Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC (OJ L 319, 5.12.2007, p. 1).
Direktiva 2007/64/ES Evropskega parlamenta in Sveta z dne 13. novembra 2007 o plačilnih storitvah na notranjem trgu in o spremembah direktiv 97/7/ES, 2002/65/ES, 2005/60/ES in 2006/48/ES ter o razveljavitvi Direktive 97/5/ES, UL L 319, 5.12.2007, str. 1.
GfK Hungaria: ‘Internet banking continues to gain ground’, 3 November 2010: http://www.gfk.com/imperia/md/content/gfk_hungaria/pdf/press_h/2010/press_2010_11_03_h.pdf
GfK Hungaria: Folytatódik az internetes bankolás térnyerése (Obseg spletnega bančništva se še vedno povečuje), 3. november 2010, http://www.gfk.com/imperia/md/content/gfk_hungaria/pdf/press_h/2010/press_2010_11_03_h.pdf
ATM — abbreviation for automated teller machine.
BA – kratica za bančni avtomat.
Relevant market shares where calculated by rapport to the total value of transactions.
Upoštevni tržni deleži so se izračunali v razmerju do skupne vrednosti transakcij.
Please see page 34 of the application.
Glej stran 34 prošnje.
See page 32 of the application.
Glej stran 32 prošnje.
Hungarian National Bank: ‘Nothing is free: a survey of the social costs of the main payment instruments in Hungary’, by Dr Aniko Turjan, EVA Diveki, EVA Keszy-Harmath, Gergely Koczan, Kristof Takacs, Occasional Paper 93, 2011.
Madžarska nacionalna banka, Nothing is Free: a survey of the social costs of the main payment instruments in Hungary (Nič ni brezplačno: raziskava socialnih stroškov glavnih plačilnih instrumentov na Madžarskem), avtorji: dr. Anikó Turján, Éva Divéki, Éva Keszy-Harmath, Gergely Kóczán, Kristóf Takács, Occasional Paper št. 93, 2011.
See pages 35 and 36 of the application.
Glej strani 35 in 36 prošnje.
POS — abbreviation for point of sale.
POS – točka prodaje (angl. „Point of Sale“).
Please see page 36 of the application.
Glej stran 36 prošnje.
Case COMP/M.5384 — BNP Paribas/Fortis, p. 3.
Zadeva COMP/M.5384 – BNP PARIBAS/FORTIS, stran 3.
Case COMP/M.4844, Fortis: ABN AMRO Assets.
Zadeva COMP/M.4844 – Fortis/ABN AMRO Assets.
Case COMP/M.2225 Fortis/ASR, p. 3, COMP/M.5075Vienna Insurance Group/Erste Bank Versicherungssparte, and COMP/M.5384- BNP Paribas/Fortis, p. 15.
Zadeve COMP/M.2225 – FORTIS/ASR, stran 3, COMP/M.5075 – Vienna Insurance Group/Erste Bank Versicherungssparte in COMP/M.5384 – BNP PARIBAS/FORTIS, stran 15.
Switching in case of certain financial products for retail and small entrepreneurial clients — Sector Inquiry — final report, 5 February 2009, GVH — Hungarian Competition Authority.
Zamenjava v primeru nekaterih finančnih produktov za prebivalstvo in mala podjetja – preiskava sektorja – končno poročilo z dne 5. februarja 2009, GVH – madžarski organ, pristojen za konkurenco.
GVH performed this study on bank switching for the period 2002-2006.
GVH je to študijo o zamenjavi banke izvedel za obdobje 2002–2006.
Switching in case of certain financial products for retail and small entrepreneurial clients — Sector Inquiry — final report, 5 February 2009, GVH — Hungarian Competition Authority, and the related background study ‘Information and experience related to switching between banks’ summary analysis of the customer market, Millward Brown, September 2006.
Zamenjava v primeru nekaterih finančnih produktov za prebivalstvo in mala podjetja – preiskava sektorja – končno poročilo z dne 5. februarja 2009, GVH – madžarski organ, pristojen za konkurenco, ter s tem povezana dopolnilna študija „Informacije in izkušnje v zvezi z zamenjavo banke“, povzetek analize o trgu za stranke, Millward Brown, september 2006.
Ipsos: Financial services, current account services, summary of the survey of retail customers, January 2009.
Ipsos: Finančne storitve, storitve v zvezi s transakcijskimi računi, povzetek raziskave o strankah poslovanja s prebivalstvom, januar 2009.
Case COMP/M.4844, Fortis/ABN AMRO Assets.
Zadeva COMP/M.4844 – Fortis/ABN AMRO Assets.
According to the supplementary information provided by the applicant in its letter of 2 September 2011.
V skladu z dodatnimi informacijami, ki jih je vlagateljica predložila v dopisu z dne 2. septembra 2011.
Case COMP/M.5241, American Express/Fortis/Alpha Card.
Zadeva COMP/M.5241 – American Express/Fortis/Alpha Card.
Case COMP/M.3894 Unicredito/HVB; COMP/M.2567 Nordbanken/Postgirot; COMP/M.3740 Barclays Bank/Foerenngssparbanken/JV, COMP/M.4844 Fortis/ABN AMRO Assets, COMP/M.5241 American Express/Fortis/Alpha Card.
Zadeve COMP/M.3894 – Unicredito/HVB, COMP/M.2567 – Nordbanken/Postgirot, COMP/M.3740 – Barclays Bank/Foerenngssparbanken/JV, COMP/M.4844 – Fortis/ABN AMRO Assets, COMP/M.5241 – American Express/Fortis/Alpha Card.
GVH response of 15 September 2011 to Commission letter of request for information of 8 August 2011.
Odgovor GVH z dne 15. septembra 2011 na dopis Komisije z dne 8. avgusta 2011 v zvezi s prošnjo za informacije.
Case COMP/M.3740, Barclays Bank/Foereningssparbanken/JV and COMP/M.2567 Nordbanken/Postgirot.
Zadevi COMP/M.3740 – Barklays Bank/Foereningssparbanken/JV in COMP/M.2567 – Nordbanken/Postgirot.
Case COMP/M.3894, Unicredito/HVB, Case COMP/M.5384 BNP Paribas/Fortis.
Zadeva COMP/M.3894 – Unicredito/HVB, zadeva COMP/M.5384 – BNP Paribas/FORTIS.
Case COMP/M.2225, Fortis/ASR, COMP/M.1172, Fortis AG/Generale Bank.
Zadevi COMP/M.2225 – Fortis/ASR, COMP/M.1172 – Fortis AG/Generale Bank.
Case COMP/M.4155, BNP Paribas/BNL.
Zadeva COMP/M.4155 – BNP Paribas/BNL.
Case COMP:M.4284, AXA/Winterhur, Case COMP/M.5384 BNP Paribas/Fortis.
Zadeva COMP/M.4284 – AXA/Winterhur, zadeva COMP/M.5384 – BNP Paribas/FORTIS.
Case COMP/4047 Aviva/Ark life, Case COMP/M.4284 Axa/Winterthur, Case COMP/M.4701 Generali/PPF Insurance Business.
Zadeva COMP/M.4047 – Aviva/Ark life, zadeva COMP/M.4284 – Axa/Winterthur, zadeva COMP/M.4701 Generali/PPF Insurance Business.
Case COMP/M.4284, Axa/Winterthur, Case COMP/M.4701 Generali/PPF Insurance Business, Case COMP/M.2676 Sampo/Vama/IF Holding/JV.
Zadeva COMP/M.4284 – Axa/Winterthur, zadeva COMP/M.4701 – Generali/PPF Insurance Business, zadeva COMP/M.2676 – Sampo/Vama/IF Holding/JV.
Case COMP/M.4284 AXA/Winterthur, Case COMP/M.4844 Fortis/ABN AMRO Assets.
Zadeva COMP/M.4284 – AXA/Winterthur, zadeva COMP/M.4844 – Fortis/ABN AMRO Assets.
Case COMP/M.5075 Vienna Insurance Group/Erste Bank Versicherungssparte; COMP/M.4844 Fortis/ABN AMRO Assets.
Zadevi COMP/M.5075 – Vienna Insurance Group/Erste Bank Versicherungssparte, COMP/M.4844 – Fortis/ABN AMRO Assets.
Market share calculated on the basis of premium revenues.
Glej opombo 36.
The Commission requested additional information to the applicant and to the Hungarian Competition Authority, by e-mails of 8 August 2011.
Komisija je vlagateljico in madžarski organ, pristojen za konkurenco, 8. avgusta 2011 po elektronski pošti zaprosila za dodatne informacije.
The respective replies were received on 2 September and on 15 September 2011.
Odgovora je prejela 2. in 15. septembra 2011.
The request submitted by Magyar Posta (in the following referred to as ‘Posta’) concerns various financial services provided by Posta, and consists of two parts, namely: payment services and services performed on behalf of other financial institutions.
Prošnja, ki jo je predložila Magyar Posta (v nadaljnjem besedilu: družba Posta), zadeva različne finančne storitve, ki jih opravlja družba Posta, in je sestavljena iz dveh delov: plačilne storitve in storitve, opravljene v imenu drugih finančnih institucij.
In their turn, each part concerns various financial services that have been grouped under the following headings, as defined by Posta:
Vsak del se nanaša na različne finančne storitve, ki jih je družba Posta razporedila v naslednja poglavja: