natgillin/translations-raw huggingface dataset:
The numerous guarantees provided also reveal that they were granted on demand each time that it was claimed that EVO needed a guarantee to obtain a loan from a credit institution.
Številne zagotovljene garancije razkrivajo tudi, da so bile odobrene na zahtevo, in sicer ob vsaki navedbi družbe EVO, da potrebuje garancijo za pridobitev posojila pri kreditni instituciji.
The same can be said about the increase in capital in 2005 and 2007.
Enako je mogoče trditi v zvezi s povečanjem kapitala leta 2005 in leta 2007.
The measures were obviously not taken with a view to obtaining some return on capital in the short or even the long-term but merely to offset past losses.
Ukrepi se očitno niso izvedli s kratkoročnim ali dolgoročnim namenom pridobitve določene mere donosa kapitala, ampak le kot nadomestilo preteklih izgub.
The Commission therefore considers that the Ostend fish auction qualifies as a ‘firm in difficulty’ within the meaning of the 1999 R & R Guidelines.
Komisija zato meni, da dražba rib v Ostendeju ustreza „podjetju v težavah“ v smislu smernic za reševanje in prestrukturiranje.
The Belgian authorities have not contested to this conclusion.
Belgijski organi tej sklepni ugotovitvi niso nasprotovali.
Moreover, Belgium has not demonstrated either that compensatory measures had been taken in accordance with points 35-39 of the 1999 R & R Guidelines or, alternatively, that the specific (alternative) conditions for agriculture (including fisheries) laid down in points 73-82 of the 1999 R & R Guidelines have been met [63].
Poleg tega Belgija ni dokazala, da so bili sprejeti izravnalni ukrepi v skladu s točkami 35–39 Smernic za reševanje in prestrukturiranje iz leta 1999 ali da so bili namesto tega izpolnjeni posebni (nadomestni) pogoji za kmetijstvo (vključno z ribištvom), določeni v točkah 73–82 navedenih Smernic [63].
Indeed the City does not appear to have taken any measures to mitigate so far as possible any adverse effects of the aid on the competitors, contrary to what is required under point 35 of the 1999 R & R Guidelines.
Zdi se, da mesto ni sprejelo nobenih ukrepov za čim večjo ublažitev vseh škodljivih učinkov pomoči na tekmece v nasprotju s tem, kar se zahteva v skladu s točko 35 Smernic za reševanje in prestrukturiranje iz leta 1999.
Yet, having regard to the specific situation of fish auctions in particular with regard to the limited supply due to the restrictive conservation measures adopted annually at Union level, it is highly likely that the aid would adversely affect competing auctions and the City should have paid special attention to that point.
Ob upoštevanju posebnih okoliščin dražb rib, zlasti kar zadeva omejeno ponudbo zaradi restriktivnih ohranitvenih ukrepov, ki se letno sprejmejo na ravni Unije, je zelo verjetno, da bo pomoč škodljivo vplivala na konkurenčne dražbe, pri čemer mora biti mesto glede tega zelo pozorno.
However, the Commission observes that the restructuring plan was not revised in accordance with point 52 of the 1999 R & R Guidelines and the 2004 R & R Guidelines.
Komisija kljub temu ugotavlja, da načrt za prestrukturiranje ni bil revidiran v skladu s točko 52 Smernic za reševanje in prestrukturiranje iz leta 1999 in Smernic za reševanje in prestrukturiranje iz leta 2004.
Moreover, it is not clear whether the amount of aid was increased, decreased or whether the form of the aid was amended.
Poleg tega ni jasno, ali se je znesek pomoči povečal, zmanjšal in ali je bila oblika pomoči spremenjena.
EVO was created by AGVO, which itself is the new legal form of the Ostend Fish auction restructured in 2001.
Družbo EVO je ustanovila družba AGVO, ki je nova pravna oblika dražbe rib v Ostendeju, prestrukturirane leta 2001.
It should be noted that AGVO is the continuation of the former Ostend fish auction, which was State owned and had no legal personality.
Opozoriti je treba, da družba AGVO nadaljuje dejavnost nekdanje dražbe rib v Ostendeju, ki je bila v državni lasti in ni bila pravna oseba.
As stated in recital 259 of this Decision, the Commission considers that AGVO, though newly created, qualifies as a firm in difficulty and is eligible under the 1999 R & R Guidelines.
Kot je navedeno v uvodni izjavi 259 tega sklepa, Komisija meni, da je družbo AGVO mogoče šteti kot družbo v težavah, čeprav je novoustanovljena, in izpolnjuje pogoje v skladu s Smernicami za reševanje in prestrukturiranje iz leta 1999.
Since EVO has been set up in the context of the restructuring of AGVO, EVO, together with AGVO, can be regarded as a company in difficulty and could receive aid under the conditions laid down in the R & R Guidelines.
Ker je bila družba EVO ustanovljena v okviru prestrukturiranja družbe AGVO, se lahko obe družbi štejeta kot družbi v težavah in prejemata pomoč pod pogoji iz Smernic za reševanje in prestrukturiranje.
However, even if EVO is eligible under the R & R Guidelines, it is nevertheless true that it has been demonstrated in recitals 260 et seq of this Decision that the compatibility conditions laid down in the 1999 R & R Guidelines are not fulfilled.
Čeprav družba EVO izpolnjuje pogoje iz Smernic za reševanje in prestrukturiranje, vseeno še vedno velja, da v skladu z uvodno izjavo 260 tega sklepa in naslednjimi pogoji združljivosti iz Smernic za reševanje in prestrukturiranje iz leta 1999 niso izpolnjeni.
Moreover, since the concerned aid measures were not provided for in the restructuring plan, they raise the same concerns as those mentioned in recitals 278 et seq of this Decision.
Ker poleg tega zadevni ukrepi pomoči v načrtu za prestrukturiranje niso bili predvideni, so enako zaskrbljujoči kot ukrepi iz uvodne izjave 278 tega sklepa in naslednjih.
The limitation period was interrupted by the request for information sent to Belgium on 13 March 2006.
Zastaralni rok je bil prekinjen zaradi zahtevka za informacije, poslanega belgijskim organom 13. marca 2006.
Accordingly, the recovery shall be limited to the aid received after 13 March 1996.
Vračilo mora biti ustrezno omejeno glede na pomoč, prejeto po 13. marcu 1996.
Recovery should therefore be limited to the amount actually paid to AGVO, that is EUR 3596665,62 according to the last information submitted to the Commission. If more than this amount has been paid to AGVO the surplus has to be recovered as well.
Zato mora biti glede na zadnje informacije, ki jih je prejela Komisija, nalog za izterjavo omejen na znesek, ki je bil dejansko plačan družbi AGVO, tj. 3596665,62 EUR. Če je bil družbi AGVO plačan višji znesek, je treba presežek prav tako vrniti.
EVO also engaged in several projects, such as Pollar Drift (King Crab project) and Novafish-project (HAF Holding), mentioned in the annual accounts for 2005.
Družba EVO se je ukvarjala z več projekti, kot so polarni tok (projekt kraljevska rakovica) in projekt Novafish (matično podjetje HAF), navedenimi v letnem računovodskem izkazu za leto 2005.
See also the comments submitted by Grimsby Market suggesting that ‘EVO started around 2005/2006 to buy fish straight from the Icelandic fishermen at (high) fixed prices and auctioned this fish by means of the clock in Ostend, frequently at lower prices’.
Glej tudi pripombe tržnice Grimsby, ki navajajo, da je družba „EVO v obdobju 2005–2006 začela kupovati ribe neposredno od islandskih ribičev po (visokih) fiksnih cenah in jih je v Ostendeju licitirala s pomočjo elektronskega sistema za prodajo rib“.
The Belgian authorities did not contest any of the comments submitted by the third parties.
Belgijski organi niso izpodbijali nobene pripombe, ki so jih predložile tretje osebe.
Despite those cumulated losses, AGVO and EVO engaged in speculative activities and in expanding their activities. For instance in 2006 AGVO took a 51 % shareholding in a company called HAF Holding BO established in Iceland, while EVO engaged in a King crab project [10] in 2006 (Polardrift, an undertaking established in Norway).
Kljub tem izgubam sta družbi AGVO in EVO sodelovali v špekulativnih dejavnostih ter širili svoje dejavnosti Družba AGVO je na primer leta 2006 postala lastnica 51-odstotnega deleža družbe HAF Holding BO, ustanovljene na Islandiji, medtem ko se je družba EVO leta 2006 vključila v projekt „kraljevska rakovica“ [10] (družba Polardrift, ustanovljena na Norveškem).
They also observe that EVO does not purport to offer any storage facilities, does not offer electricity free of charge and is not responsible for the manage of the port and the slipways. They indicate that the price for the water is included in the auction fee and that EVO does not grant any loan under market prices to ship-owners.
Prav tako navajajo, da družba EVO ne ponuja nobenih skladišč ali brezplačne elektrike ter ni odgovorna za pristanišče in operativno površino Belgijski organi navajajo, da je strošek za vodo vključen v dajatev za dražbo in da družba EVO lastnikom plovil ne dodeljuje nobenih posojil pod tržnimi cenami.
The Belgian authorities argue that the guarantees were granted for loans relating to renovation works to undertake on buildings rented to public and semi-public bodies. They add that since this is part of AGVO’s public task, the guarantee must be seen as participating in this public task and consequently cannot be considered State aid.
Belgijski organi trdijo, da so bile garancije zagotovljene za posojila, povezana z obnovo stavb, ki jih imajo v najemu javne in delno javne organizacije Dodajajo, da spada obnova med javne naloge družbe AGVO, zato je treba garancijo razumeti kot sodelovanje pri tej javni nalogi in je torej ni mogoče obravnavati kot državno pomoč.
on State aid C 10/09 (ex N 138/09) implemented by the Netherlands for ING’s Illiquid Assets Back Facility and Restructuring Plan
o državni pomoči C 10/09 (ex N 138/09) Nizozemske za rezervno kreditno linijo za nelikvidna sredstva in načrt prestrukturiranja družbe ING
(notified under document C(2009) 9000)
(notificirano pod dokumentarno številko C(2009) 9000)
Having called on Member States and other interested parties to submit their comments pursuant to those provisions [1], the Commission received no comments from interested parties,
po pozivu državam članicam in drugim zainteresiranim stranem, naj predložijo svoje pripombe v skladu z navedenimi določbami [1], pri čemer pripomb zainteresiranih strani ni prejela,
On 12 November 2008 the Commission authorised an emergency recapitalisation in case N 528/08.
Komisija je 12. novembra 2008 v zadevi N 528/08 odobrila izredno dokapitalizacijo.
In the recapitalisation measure the Netherlands subscribed to a EUR 10 billion issue of Core-Tier 1 securities by ING. The measure has been authorised for a period of 6 months conditional on the submission of a credible plan within those 6 months [2].
Nizozemska je v okviru ukrepa dokapitalizacije vpisala temeljne vrednostne papirje prvega reda (Core-Tier 1) v vrednosti 10 milijard EUR, ki jih je izdala ING. Ukrep je bil odobren za šestmesečno obdobje pod pogojem, da ING v teh šestih mesecih predloži verodostojen načrt.
The validity of the emergency recapitalisation measure was automatically prolonged with the submission of a restructuring plan until the Commission reached its decision on the plan.
S predložitvijo načrta prestrukturiranja je bila veljavnost izredne dokapitalizacije samodejno podaljšana, dokler Komisija o njem ne sprejme odločitve.
On 31 March 2009, in case C 10/09 (ex N 138/09), the Commission authorised an impaired assets measure (‘the IA measure’) for a portfolio of US Alt-A residential mortgage backed securities (‘RMBS’) in favour of ING for a period of 6 months [3].
Komisija je 31. marca 2009 v zadevi C 10/09 (ex N 138/09) za šestmesečno obdobje v korist družbe ING odobrila ukrep za oslabljena sredstva (v nadaljnjem besedilu: ukrep OS) za portfelj vrednostnih papirjev iz ZDA, zavarovanih s stanovanjsko hipoteko Alt-A (residential mortgage backed securities, v nadaljnjem besedilu: RMBS).
The Dutch authorities refer to the measure as the ‘Illiquid Assets Back-up Facility’ (‘IABF’).
Nizozemski organi so ukrep poimenovali „rezervna kreditna linija za nelikvidna sredstva“ (Illiquid Assets Back-up Facility, v nadaljnjem besedilu: IABF).
Due to doubts on the conformity of certain aspects of the IA measure with the Communication from the Commission on the treatment of impaired assets in the Community banking sector [4] (‘the Impaired Asset Communication’) the Commission decided to initiate the procedure laid down in Article 88(2) of the Treaty.
Zaradi dvomov o skladnosti nekaterih vidikov ukrepa OS s Sporočilom Komisije o obravnavanju oslabljenih sredstev v bančnem sektorju Skupnosti [4] (v nadaljnjem besedilu: sporočilo o oslabljenih sredstvih) se je Komisija odločila, da začne postopek iz člena 88(2) Pogodbe.
The Commission decision to initiate the procedure was published in the Official Journal of the European Communities [5].
Odločitev Komisije o začetku postopka je bila objavljena v Uradnem listu Evropskih skupnosti [5].
The Commission called on interested parties to submit their comments.
Komisija je pozvala zainteresirane strani, naj predložijo svoje pripombe.
The Commission received no comments from interested parties.
Komisija pripomb zainteresiranih strani ni prejela.
The authorisation of the IA measure was prolonged in the Commission Decision of 15 September 2009 [6].
Odobritev ukrepa OS je bila podaljšana z Odločbo Komisije z dne 15. septembra 2009. [6]
In addition, under the Dutch Credit Guarantee scheme (approved in Commission decision in case N 524/08 from 30 October 2008 and prolonged in Commission decision in case N 379/09 [7] from 7 July 2009), the Netherlands granted guarantees on medium-term liabilities to ING amounting to (i) USD 9 billion (of which USD 8,25 billion has already been issued) and (ii) EUR 5 billion (of which EUR 4,15 billion has already been issued).
Poleg tega je Nizozemska na podlagi nizozemske sheme kreditnih jamstev (odobrene z odločitvijo Komisije v zadevi N 524/08 z dne 30. oktobra 2008 in podaljšane z odločitvijo Komisije v zadevi N 379/09 [7] z dne 7. julija 2009) družbi ING zagotovila jamstva za srednjeročne obveznosti v višini (i) 9 milijard USD (od katerih je bilo 8,25 milijarde USD že izdanih) in (ii) 5 milijard EUR (od katerih je bilo 4,15 milijarde EUR že izdanih).
On 25 November 2008, 8 April 2009, 18 May 2009 and 9 November 2009 the Commission received information from market participants alleging that ING Direct Europe had, for a short period, been advertising the capital injection it received from the Netherlands and that it was perceived as engaging in aggressive commercial behaviour.
Komisija je 25. novembra 2008, 8. aprila 2009, 18. maja 2009 in 9. novembra 2009 od udeležencev na trgu prejela informacije, da naj bi ING Direct Europe kratek čas oglaševala kapitalski vložek Nizozemske in da naj bi bilo to zaznano kot agresivno tržno ravnanje.
A number of meetings, e-mail exchanges and telephone conferences took place between the Commission and the Dutch authorities.
Sledili so številni sestanki, izmenjave e-pošte in telefonske konference med Komisijo in nizozemskimi organi.
With regard to issues pertaining to the asset valuation methodologies employed in the context of the IA measure, the Commission has drawn on technical assistance provided by external experts under contract to the Commission (Duff and Phelps and Professor Wim Schoutens) and by experts from the European Central Bank.
Komisija se je glede vprašanj o metodologiji vrednotenja sredstev, ki je bila uporabljena v okviru ukrepa OS, zanašala na tehnično pomoč zunanjih strokovnjakov, ki imajo s Komisijo sklenjeno pogodbo (Duff & Phelps in profesor Wim Schoutens), in strokovnjakov Evropske centralne banke.
This modification included also a change in terms for repaying the capital injection from the Netherlands.
Ta sprememba je vključevala tudi preoblikovanje pogojev poplačila kapitalskega vložka, ki ga je zagotovila Nizozemska.
On 22 October 2009 the Netherlands provided a number of commitments as regards the implementation of the restructuring plan and the remuneration of the IA measure.
Nizozemska je 22. oktobra 2009 sprejela številne zaveze glede izvajanja načrta prestrukturiranja in nadomestila ukrepa OS.
The Netherlands informed the Commission that for reasons of urgency they exceptionally accept that this Decision is adopted in the English language.
Nizozemska je Komisijo obvestila, da se zaradi nujnosti zadeve izjemoma strinja s sprejetjem te odločbe v angleščini.
DESCRIPTION OF THE FACTS
OPIS DEJSTEV
ING is composed of ING Groep N.V. (‘ING Group’), the mother holding company that controls 100 % of ING Bank N.V. and ING Verzekeringen N.V., and two sub-holding companies controlling banking and insurance subsidiaries respectively.
ING sestavljajo ING Groep N.V. (v nadaljnjem besedilu: ING Groep), tj. matična holdinška družba, ki ima 100-odstotni nadzor nad ING Bank N.V. in ING Verzekeringen N.V., ter dve odvisni holdinški družbi, ki nadzorujeta bančne oziroma zavarovalniške odvisne družbe.
ING Group comprises more than 70 individual businesses with more than 2500 legal entities operating in about 50 countries.
ING Groep sestavlja več kot 70 posameznih dejavnosti z več kot 2500 pravnimi osebami, ki delujejo v približno 50 državah.
As of the end of 2008, the group balance sheet totalled EUR 1,332 billion, of which more than 75 % is attributable to ING’s banking activities.
Od konca leta 2008 je bila bilančna vsota ING Groep 1332 milijard EUR, od česar je mogoče več kot 75 % pripisati bančnim dejavnostim družbe ING.
At the end of 2008, and including the recapitalisation measure, ING’s capital ratios for the bank were 9,3 % as regards its Tier 1 ratio and 7,3 % for the Core-Tier 1 ratio.
Konec leta 2008 sta količnika kapitalske ustreznosti družbe ING za banko, ki sta vključevala dokapitalizacijo, znašala 9,3 % za kapital prvega reda (Tier 1) in 7,3 % za temeljni kapital prvega reda.
For insurance the capital coverage ratio amounted to 256,5 %.
V zvezi z zavarovanjem je koeficient kapitalske pokritosti znašal 256,5 %.
The capital structure of ING Group also includes so-called core debt, that is to say senior debt raised at the group level which is then invested as shareholder equity into ING Bank and ING Insurance holding (so-called double leverage).
Struktura kapitala ING Groep vključuje tudi tako imenovani osnovni dolg, to je dolg, ki se poplačuje prednostno in je bil pridobljen na ravni ING Groep, pozneje pa se kot lastniški kapital delničarjev vloži v holding ING Insurance in ING Bank (tako imenovani dvojni vzvod).
In addition, the ING Insurance holding has itself raised EUR 2,3 billion of so-called core debt which can be used as shareholder equity in its insurance subsidiaries.
Poleg tega je holding ING Insurance sam pridobil za 2,3 milijarde EUR tako imenovanega osnovnega dolga, ki ga lahko uporabi kot lastniški kapital delničarjev v svojih zavarovalniških odvisnih družbah.
ING’s investment portfolio comprised its Alt-A portfolio held, for the most part of it, by ING Direct US.
Investicijski portfelj ING je vključeval portfelj Alt-A, ki je bil v večinski lasti ING Direct US.
ING Direct US had under the US law the status of a ‘US Thrift institution’, this status required from ING Direct US to invest the majority of its collected savings in US mortgages loans or US mortgage loan related investments.
Po zakonodaji ZDA je imela ING Direct US status „hranilnice ZDA“, na podlagi katerega je morala večino zbranih prihrankov vložiti v hipotekarna posojila v ZDA ali v naložbe, povezane s hipotekarnimi posojili v ZDA.
Consequently, ING allocated a significant amount of its investment portfolio to US Alt-A RMBS.
Zato je ING precejšen del svojega investicijskega portfelja dodelila vrednostnim papirjem RMBS Alt-A iz ZDA.
The Alt-A portfolio was covered by the IA measure from the Netherlands (as described in section 2.3.2 below).
Portfelj Alt-A je bil zajet v ukrepu OS Nizozemske (kot je navedeno v oddelku 2.3.2 spodaj).
ING’s investment portfolio also comprised a significant proportion of commercial mortgage backed securities (CMBS), US RMBS and real estate investments that are not covered by the IA measure.
Investicijski portfelj ING je vključeval tudi precejšen delež vrednostnih papirjev, zavarovanih s hipoteko na poslovno nepremičnino (Commercial Mortgage-Backed Securities, v nadaljnjem besedilu: CMBS), vrednostnih papirjev RMBS iz ZDA in naložb v nepremičnine, ki niso zajeti v ukrepu OS.
Business activities
Poslovne dejavnosti
At the end of 2008, ING was active in six business lines.
ING je bila konec leta 2008 dejavna na šestih poslovnih področjih.
ING was also active in asset management which was functionally part of the respective regional insurance business units.
Opravljala je tudi dejavnosti na področju upravljanja premoženja, ki je s funkcionalnega vidika spadalo v okvir njenih regionalnih zavarovalniških poslovnih enot.
Retail banking
Bančno poslovanje s prebivalstvom
ING offers retail banking services in the Netherlands, Belgium, Poland, Romania, Turkey, India and Thailand (retail banking services via ING Direct are not described in this section but in section 2.2.2).
ING zagotavlja storitve bančnega poslovanja s prebivalstvom na Nizozemskem, v Belgiji, na Poljskem, v Romuniji, Turčiji, Indiji in na Tajskem (storitve bančnega poslovanja s prebivalstvom, ki jih zagotavlja ING Direct, niso opisane v tem oddelku, ampak v oddelku 2.2.2).
Private banking is offered in the Netherlands, Belgium, Luxembourg, Switzerland and various countries in Asia and Central and Eastern Europe.
Zasebno bančništvo ponuja na Nizozemskem, v Belgiji, Luksemburgu in Švici ter v različnih državah Azije ter Srednje in Vzhodne Evrope.
Small and medium sized enterprises and mid-corporate business is part of ING’s retail banking.
Poslovanje z malimi in srednje velikimi podjetji ter srednje velikimi korporacijami je del bančnega poslovanja družbe ING s prebivalstvom.
In its retail banking activities in the Netherlands and in Belgium, ING combines a direct banking model and a branch network.
ING pri poslovanju na Nizozemskem in v Belgiji združuje model neposrednega bančništva in mrežo podružnic.
ING provides current account services and payments systems, savings accounts, mortgage loans, consumer loans, credit card services and investment and insurance products.
Ponuja tekoče račune in plačilne sisteme, varčevalne račune, hipotekarna in potrošniška posojila, kreditne kartice ter naložbene in zavarovalniške produkte.
Mortgages are offered through a direct channel, through a tied agents sale force as well as through intermediary channels.
Hipotekarna posojila ponuja prek neposrednega kanala, prodajnih agentov in posrednih kanalov.
Via its branch network, ING also offers a full range of commercial banking products as well as life and non-life insurance products.
Prek mreže podružnic zagotavlja tudi celotno paleto produktov komercialnega bančništva ter življenjskega in neživljenjskega zavarovanja.
In retail banking (private individuals) in the Netherlands its market share amounts to 40-50 % [8] for main banking relations.
Na Nizozemskem znaša tržni delež družbe ING pri bančnem poslovanju s prebivalstvom (zasebniki) 40–50 % [8] za glavne bančne odnose.
Its market share for savings accounts amounts to 30-40 % by value and 20-30 % by numbers.
Njen tržni delež na področju varčevalnih računov znaša 30–40 % glede na skupno vrednost računov in 20–30 % glede na število strank.
Market shares for consumer loans by value, mortgages and private banking represent 10-20 %.
Tržni deleži za potrošniška in hipotekarna posojila ter zasebno bančništvo znašajo 10–20 %.
Market shares in Belgium amount to [10-15] [9] % for current accounts, [20-25] % for consumer credit, [15-20] % for mortgages, [10-15] % for savings and [10-15] % for mutual funds.
Tržni deleži v Belgiji znašajo [10–15] [9] % za tekoče račune, [20–25] % za potrošniška posojila, [15–20] % za hipotekarna posojila, [10–15] % za varčevanje in [10–15] % za vzajemne sklade.
Retail banking market shares in Poland amount to [5-10] % overall and [5-10] % in savings.
Na Poljskem ima ING pri bančnem poslovanju s prebivalstvom skupni tržni delež [5–10] % in [5–10] % pri varčevanju.
In Romania, ING’s market share amounts to [0-5] % of all liabilities and [0-5] % of all assets.
V Romuniji znaša njen tržni delež [0–5] % vseh obveznosti in [0–5] % vseh sredstev.