natgillin/translations-raw huggingface dataset:
The eighth largest banks of the credit institutions sector each have over 100 branches, plus there are 22 small and medium-sized banks, 10 branches of credit institutions and 138 credit institutions set up as cooperatives with the larger one operating a network of 20-40 branches.
Od osmih največjih bank v sektorju kreditnih institucij ima vsaka več kot 100 podružnic, obstaja pa še 22 malih in srednje velikih bank, 10 podružnic kreditnih institucij in 138 kreditnih institucij, ki so bile ustanovljene kot zadruge z največjo kreditno institucijo, ki ima 20–40 podružnic.
In international comparison, using data of 2007 ECB Blue Book [4], this places Hungary in the middle of the range in terms of per capita number of branches.
Z vidika mednarodne primerjave na podlagi podatkov iz modre knjige ECB iz leta 2007 [4] se Madžarska v zvezi s številom podružnic na prebivalca s tem uvršča na sredino lestvice.
It should be recalled that, in accordance with point (c) of Article 6(2) of Directive 2004/17/EC, the provision of financial services as defined in the fourth indent of said point (c) are covered by that Directive only to the extent that such services are provided by entities which also provide postal services within the meaning of point (b) of that provision.
Opozoriti je treba, da Direktiva 2004/17/ES v skladu s točko (c) člena 6(2) navedene direktive zajema opravljanje finančnih storitev, kot so opredeljene v četrti alinei navedene točke (c), le v primeru, če take storitve opravljajo subjekti, ki opravljajo tudi poštne storitve v smislu točke (b) navedene določbe.
Posta is the only contracting entity in Hungary which offers the services concerned by this Decision.
Družba Posta je edini naročnik na Madžarskem, ki ponuja storitve, obravnavane v tem sklepu.
Article 30 of Directive 2004/17/EC provides that contracts intended to enable the performance of one of the activities to which the Directive applies shall not be subject to the Directive if, in the Member State in which it is carried out, the activity is directly exposed to competition on markets to which access is not restricted.
Člen 30 Direktive 2004/17/ES določa, da se za naročila, katerih namen je omogočiti izvajanje ene od dejavnosti, za katere velja Direktiva, Direktiva ne uporablja, če je dejavnost v državi članici, v kateri se opravlja, neposredno izpostavljena konkurenci na trgih, do katerih dostop ni omejen.
Access is deemed to be unrestricted if the Member State has implemented and applied the relevant Community legislation opening a given sector or a part of it.
Šteje se, da je dostop neomejen, če država članica pri odpiranju določenega sektorja ali njegovega dela konkurenci izvaja in uporablja ustrezno zakonodajo Skupnosti.
Where no relevant Community legislation is listed in the Directive’s Annex XI, as is the case in respect of the services concerned by this Decision, then Article 30(3), second subparagraph requires that it ‘must be demonstrated that access to the market in question is free de facto and de jure’.
Če v Prilogi XI k Direktivi ni navedena ustrezna zakonodaja Skupnosti, kot na primer v zvezi s storitvami, obravnavanimi v tem sklepu, se uporablja drugi pododstavek člena 30(3), ki določa, da „je treba dokazati, da je dostop do zadevnega trga pravno in dejansko prost“.
Regarding financial services, it should be recalled that a large body of legislation has been adopted at Union level aiming at liberalising establishment and provision of services in this sector [5].
V zvezi s finančnimi storitvami je treba opozoriti, da je bil na ravni Unije sprejet obsežen del zakonodaje za liberalizacijo vzpostavitve in opravljanja storitev v tem sektorju [5].
In respect of payment services, it is noted that Hungary, transposed fully and timely, Directive 2007/64/EC on Payment Services through Act LXXXV/2009 on the Pursuit of the Business of Payment Services.
Kar zadeva plačilne storitve, se ugotavlja, da je Madžarska Direktivo 2007/64/ES o plačilnih storitvah v celoti in pravočasno prenesla z Zakonom št. LXXXV/2009 o opravljanju dejavnosti plačilnih storitev.
Hungary has implemented Union legislation regarding liberalisation of capital movements and freedom to provide services and the relevant legislation on the liberalisation of financial markets.
Madžarska izvaja zakonodajo Unije o liberalizaciji pretoka kapitala in svobode opravljanja storitev ter ustrezno zakonodajo o liberalizaciji finančnih trgov.
Moreover, Hungary satisfied the requirements set out in the Financial Services Action Plan.
Poleg tega je Madžarska izpolnila zahteve iz akcijskega načrta za finančne storitve.
The Hungarian market of credit institutions and payment services is well regulated.
Madžarski trg kreditnih institucij in plačilnih storitev je dobro urejen.
According to Act CXII: 1996 on credit institutions and financial enterprises (the Banking Act), financial services and auxiliary activities are subject to authorisation.
V skladu z Zakonom CXII iz leta 1996 o kreditnih institucijah in finančnih podjetjih (zakon o bančništvu) je za opravljanje finančnih in pomožnih storitev potrebno dovoljenje.
According to Act CXXXVII/2007 on investments firms and commodity dealers and on the regulations governing their activities, investment services may be performed by investments firms and credit institutions only.
V skladu z Zakonom št. CXXXVII/2007 o investicijskih družbah in trgovcih z blagom ter predpisih, ki urejajo njihove dejavnosti, lahko naložbene storitve opravljajo le investicijske družbe in kreditne institucije.
Act LX/2003 on insurance companies and insurance business provides that insurance activities may be performed by insurance companies only.
Zakon št. LX/2003 o zavarovalnicah in zavarovalniških dejavnostih določa, da lahko zavarovalniške dejavnosti izvajajo le zavarovalnice.
The Posta is authorised to pursue the financial services subject to this application by the Hungarian Financial Supervisory Authority.
Družba Posta je pooblaščena za opravljanje finančnih storitev v skladu s to prošnjo, ki jo je predložil madžarski finančni nadzorni organ.
Any institution that is able to meet the provisions regarding prudent operation and effective supervision could be authorised to carry out these services.
Za opravljanje teh storitev se lahko dovoljenje dodeli vsaki instituciji, ki lahko izpolnjuje določbe glede preudarnega delovanja in učinkovitega nadzora.
The pursuit of financial services or activities auxiliary to financial services, as well as investment services and insurance services is open also to non-resident companies, through their branches, provided that they are authorised by the competent supervisory authority in the country of establishment.
Opravljanje finančnih storitev ali pomožnih dejavnosti teh storitev ter investicijskih in zavarovalniških storitev je prek njihovih podružnic dostopno tudi družbam nerezidentkam, če tem podružnicam v državi, v kateri so ustanovljene, dodeli dovoljenje pristojni nadzorni organ.
The requirement to have a Hungarian branch does not apply to financial institutions established in any EEA Member State, as these institutions may provide their services cross border.
Zahteva glede obstoja podružnice na Madžarskem ne velja za finančne institucije, ustanovljene v državi članici EGP, ker lahko te institucije opravljajo storitve čezmejno.
Having due regard o the facts set out in recitals 5 and 6 above, it can be assumed that, the condition set out in Article 30(3) relating to free access to the market can be taken to be met.
Ob ustreznem upoštevanju dejstev iz uvodnih izjav 5 in 6 zgoraj je mogoče domnevati, da je pogoj iz člena 30(3) v zvezi s prostim dostopom do trga izpolnjen.
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 eno od meril, ki jih je treba upoštevati, tržni delež glavnih akterjev na določenem trgu.
Other criteria considered may be the degree of concentration on those markets and/or the customer switching.
Druga morebitna merila so lahko stopnja koncentracije na teh trgih in/ali menjave strank.
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.
Ker so pogoji za različne dejavnosti, na katere se nanaša ta sklep, različni, je treba pri preučitvi konkurenčnih razmer upoštevati različne razmere na različnih trgih.
Although narrower or a broader market definition 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 Posta 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 mogoče v nekaterih primerih predvideti ožjo ali širšo opredelitev trga, natančna opredelitev upoštevnega trga v tem sklepu ni potrebna, če se številne storitve iz prošnje, ki jo je predložila družba Posta, obravnavajo v takšnem obsegu, da ostane rezultat analize enak ne glede na to, ali temelji na ozki ali širši opredelitvi.
The existing payment services performed by Posta are services enabling cash to be placed on a payment account and services enabling cash withdrawals from a bank account, whereby Posta acts as an intermediary, and money transfer services (domestic and international money order services of its own right, as well as Western Union money order services acting as intermediary).
Obstoječe plačilne storitve, ki jih opravlja družba Posta, so storitve, ki omogočajo gotovinske pologe na plačilni račun, in storitve, ki omogočajo gotovinske dvige z bančnega računa, pri čemer ima družba Posta vlogo posrednika, ter storitve denarnih nakazil (storitve domačih in mednarodnih denarnih nakazil, ki jih opravlja družba Posta, ter storitve denarnih nakazil Western Union, pri katerih je družba Posta posrednik).
The aim of the present Decision is to establish whether the services offered by Posta 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, Posta’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 družba Posta, izpostavljene takšni stopnji konkurence (na trgih s prostim dostopom), ki bo tudi ob odsotnosti discipline, ki je bila dosežena s podrobnimi pravili za oddajo javnega naročila iz Direktive 2004/17/ES, zagotovila pregledno in nediskriminacijsko izvajanje javnih naročil družbe Posta za opravljanje zadevnih dejavnosti na podlagi meril, ki omogočajo opredelitev rešitve, ki je v celoti ekonomsko najugodnejša.
For this purpose it is therefore necessary to examine whether the banks and other financial institutions have the possibility to exercise competitive pressure on Posta.
Zato je treba preučiti, ali lahko banke in druge finančne institucije izvajajo konkurenčni pritisk na družbo Posta.
The main competitors of the Posta in the market for payment services are the banks and other financial institutions that are not covered by the provisions of the Directive 2004/17/EC, as they are not contracting entities in the sense of the directive and/or they do not provide financial services together with postal services.
Glavni konkurenti družbe Posta na trgu plačilnih storitev so banke in druge finančne institucije, ki jih določbe Direktive 2004/17/ES ne zajemajo, ker niso naročniki v smislu Direktive in/ali ne opravljajo finančnih storitev skupaj s poštnimi storitvami.
The payment methods offered by the banks are generally more attractive than the paper based and/or cash based ones, and are generally available.
Plačilne metode, ki jih ponujajo banke, so na splošno privlačnejše od plačilnih metod, ki temeljijo na papirnih obrazcih in/ali gotovini, ter so splošno razpoložljive.
According to GfK Hungaria [6], the number of users of online banking services has increased by 200000 by the end of 2010 compared to the year before and it reached 1 million users, with a growth rate getting higher.
Glede na podatke GfK Hungaria [6] se je število uporabnikov spletnih bančnih storitev do konca leta 2010 v primerjavi s predhodnim letom povečalo za 200000 in doseglo milijon uporabnikov, pri čemer se stopnja rasti povečuje.
At the same time, according to the same source, the number of those who prefer to do their banking in person is declining — one fourth of all clients no longer go to the bank braches to do banking.
Hkrati se glede na isti vir število tistih, ki dajejo prednost osebnemu bančništvu, zmanjšuje – četrtina vseh strank bančnih storitev v podružnicah bank ne uporablja več.
The product market as defined by the applicant is the payment services market provided by credit institutions and other payment services providers, while the respective geographical market is considered to be nation-wide.
Proizvodni trg, kot ga je opredelila vlagateljica, je trg plačilnih storitev, ki jih opravljajo kreditne institucije in drugi ponudniki plačilnih storitev, medtem ko se za zadevni geografski trg šteje celotno ozemlje Madžarske.
The Hungarian Competition Authority (GVH) indicated that although it does not have all information and data at their disposal in order to be able to properly and precisely define the product market, the relevant product market definition provided by the applicant ‘is likely to be acceptable’.
Madžarski organ, pristojen za konkurenco (GVH), je navedel, da nima na razpolago vseh informacij in podatkov za ustrezno in natančno opredelitev proizvodnega trga, vendar „se bo verjetno sprejela“ opredelitev upoštevnega proizvodnega trga, ki jo je predložila vlagateljica.
As far as the geographical market is concerned, under the same disclaimer as above, GVH indicated that ‘it is not aware of any evidence on which the geographical market should not be the whole territory of Hungary’.
Kar zadeva geografski trg je GVH v okviru iste izjave o omejitvi odgovornosti, na katero se sklicuje zgoraj, navedel, da „ni seznanjen z nobenim dokazilom, na podlagi katerega se za geografski trg ne bi smelo šteti celotno ozemlje Madžarske“.
No further distinction of the payment services market into separate retail and wholesale product markets will be made for the purposes of this Decision, as the result of the analysis remains largely the same whether it is based on a narrow or a broader definition.
Za namene tega sklepa ne bo v okviru trga plačilnih storitev uvedeno nobeno dodatno razlikovanje med posameznimi maloprodajnimi in veleprodajnimi proizvodnimi trgi, ker je rezultat analize bolj ali manj enak ne glede na to, ali temelji na ožji ali širši opredelitvi
The Hungarian Competition Authorities referring to the degree of concentration of the payment market states that, presumably, ‘the 5-6 major banks, together with Magyar Posta have a very high combined market share in case of retail payment services, and possibly cover most of the market. The wholesale market might presumably be less concentrated due to the presence of several other financial institutions’.
Madžarski organ, pristojen za konkurenco, v zvezi s stopnjo koncentracije na trgu plačilnih storitev navaja, da se predvideva, da imajo „5 do 6 glavnih bank in družba Magyar Posta na področju plačilnih storitev za prebivalstvo zelo velik skupni tržni delež in verjetno pokrivajo večino trga“. Na veleprodajnem trgu je stopnja koncentracije predvidoma manjša zaradi prisotnosti več drugih finančnih institucij.
Services enabling cash to be placed on a payment account (bill payments and express bill payments)
Storitve, ki omogočajo polog gotovine na plačilni račun (plačila računov in ekspresna plačila računov)
These services allow customers to make payments for a service or good purchased.
Te storitve omogočajo strankam plačevanje kupljene storitve ali blaga.
They are used by private persons for discharging payment obligations and are particularly used for making payments for public utilities services, telecommunications, financial services, insurance services, home delivery services, payment of taxes, etc.
Uporabljajo jih posamezniki za izpolnjevanje plačilnih obveznosti, pri čemer se uporabljajo zlasti za plačila storitev javnih podjetij, telekomunikacijskih storitev, finančnih storitev, zavarovalniških storitev, storitev dostave na dom, plačevanje davkov itd.
The main factor for determining the relevant product market is to establish the scope of substitute products, which means the alternative means that a client would have for discharging payment obligations.
Glavni dejavnik pri opredelitvi upoštevnega proizvodnega trga je določitev področja uporabe nadomestnih produktov, tj. nadomestnih možnosti, ki jih ima stranka za izpolnjevanje plačilnih obveznosti.
Consequently, the applicant considers that the relevant product market covers cash deposits made to bank accounts in banks, or through ATMs [7], card payments and transfers between bank accounts (simple transfers and automatic debit transfers).
Zato upoštevni proizvodni trg po mnenju vlagateljice zajema gotovinske pologe na bančne račune v bankah ali prek bankomatov (BA) [7], plačila s karticami in nakazila med bančnimi računi (preprosta nakazila in samodejna nakazila v breme).
As regards switching between payment methods, the Hungarian Competition Authority (GVH) confirmed that ‘the major utilities and other service providers tend to offer various payment methods to their customers with a possibility to easily switch among these. There also seem to be a trend of persuading customers to use electronic payment methods instead of paper and cash based ones’.
Kar zadeva zamenjavo plačilnih metod, je madžarski organ, pristojen za konkurenco (GVH), potrdil, da „glavna javna podjetja in drugi ponudniki storitev običajno svojim strankam ponujajo različne plačilne metode, pri čemer je mogoča enostavna zamenjava teh metod. Prav tako se zdi, da je prisoten trend prepričevanja strank, naj uporabljajo elektronske plačilne metode namesto metod, ki temeljijo na papirnih obrazcih in gotovini“.
In this context the increased use of online banking is to be noted.
V zvezi s tem je treba opozoriti na večjo uporabo spletnega bančništva.
However, as indicated in recital 9 above, the exact definition can be left open for the purposes of the present Decision.
Vendar v skladu z uvodno izjavo 9 zgoraj natančna opredelitev v tem sklepu ni potrebna.
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.
Brez poseganja v konkurenčno pravo je treba te dejavnike v tem sklepu obravnavati kot znak neposredne izpostavljenosti dejavnosti, ki jih izvaja družba Posta, konkurenci.
Services enabling cash withdrawals from a payment account
Storitve, ki omogočajo gotovinske dvige s plačilnega računa
The characteristics of services enabling cash withdrawals are that the account holder authorises payment from his payment account to the order of a third party.
Za storitve, ki omogočajo gotovinske dvige, je značilno, da imetnik računa odobri plačilo s svojega plačilnega računa po naročilu tretje strani.
The scope of such services presently includes cash delivery and pension payment service.
Področje uporabe teh storitev trenutno vključuje storitev dostave gotovine in storitev plačila pokojnine.
The main drawees are the State Treasury and the municipal governments using this scheme for payment of family allowances, social benefits unemployment benefits, etc. For payments made by the government, the payee has the option to have the amounts credited to a bank account or to receive it by means of postal delivery.
Glavni izvajalci plačil so državna blagajna in občinske uprave, ki uporabljajo ta sistem za plačevanje družinskih dodatkov, socialnih prejemkov, nadomestil za brezposelnost itd. Pri plačilih iz državne blagajne lahko prejemnik izbira med možnostjo nakazila zneskov na bančni račun in možnostjo, da prejme gotovino prek dostave po pošti.
In case of pension payment, the recipients have also the possibility to have part of the amount credited to their account and the other part delivered in cash.
V primeru plačila pokojnine lahko prejemniki izberejo tudi možnost, pri kateri jim je en del zneska nakazan na račun, drugi del pa jim je dostavljen v gotovini.
It is also possible to switch, at any time between postal cash delivery to bank transfer, by making a simple request to the Central Administration of National Pension Insurance.
Prav tako je mogoče, da se dostava gotovine po pošti kadar koli zamenja z bančnim nakazilom, pri čemer je potrebno predložiti le zahtevek centralni upravi za nacionalno pokojninsko zavarovanje.
The Hungarian State, through the National Bank is pursuing a policy aimed at reducing the volume of cash transactions and encouraging the development of electronic payment methods and related infrastructure.
Madžarska prek nacionalne banke izvaja politiko, katere cilj je zmanjšanje obsega gotovinskih transakcij ter spodbujanje razvoja elektronskih plačilnih metod in povezane infrastrukture.
Corporate entities are required to make payments through payment accounts and the wages of public servants are paid into bank accounts.
Gospodarske družbe morajo opravljati plačila prek plačilnih računov, plače javnih uslužbencev pa se plačujejo na bančne račune.
According to a recent study [10] undertaken by the Hungarian National Bank, currently half of the pensions initiated by the state are made by other means than postal payments, and according to the application [11], both the number and total value of pensions paid through Posta were steadily decreasing in the last years.
Glede na študijo [10], ki jo je nedavno izvedla madžarska nacionalna banka, se zdaj polovica pokojnin, ki jih zagotavlja država, ne plačuje po pošti, poleg tega pa sta se število in skupna vrednost pokojnin, plačanih prek družbe Posta, glede na prošnjo [11] v zadnjih letih postopno zmanjševala.
For the above reasons, transfer of payment between payment accounts (simple transfer and group transfers), cash withdrawals with bank cards at ATMs and POS [12] terminals, and cash withdrawals at bank tellers are considered the relevant product market for services enabling cash withdrawals from a payment account.
Na podlagi navedenih razlogov se nakazila plačil med plačilnimi računi (enostavno nakazilo in skupinska nakazila), gotovinski dvigi z bančnimi karticami na bančnih avtomatih in terminalih POS [12] ter gotovinski dvigi na banki štejejo za upoštevni proizvodni trg za storitve, ki omogočajo gotovinske dvige s plačilnega računa.
In case of the above services, for the purposes of payment made to persons with bank account, payments between payment accounts (simple transactions and group transfers where payments are made from a single account to several persons) could be considered substitute products.
V primeru zgoraj navedenih storitev se lahko plačila med plačilnimi računi (enostavne transakcije in skupinska nakazila, kadar so plačila z enega računa nakazana več osebam), ki so namenjena osebam z bančnim računom, štejejo za nadomestne produkte.
Here as well, the exact definition can be left open for the purposes of the present Decision.
Tudi v tem primeru natančna opredelitev v tem sklepu ni potrebna.
Money transfer services
Storitve denarnih nakazil
The money transfer service provided by the Posta is generally used for payments made between private persons.
Storitev denarnega nakazila, ki jo opravlja družba Posta, se na splošno uporablja za plačila med posamezniki.