natgillin/translations-raw huggingface dataset:
By "without undue delay", it is meant that ING will adjust its price within [0-20] working days, if it is allowed to do so on basis of (local) legal and regulatory rules.
Izraz „brez nepotrebnega odlašanja“ pomeni, da bo ING prilagodila svojo ceno v [0–20] delovnih dneh, če ji je to omogočeno na podlagi (lokalnih) pravnih in zakonodajnih predpisov.
A "financial institution" is defined as all companies within a group.
Izraz „finančna institucija“ pomeni vse družbe v skupini.
As a result, second brands and subsidiaries are included.
Zato zajema vse druge znamke in odvisne družbe.
If ING Direct is not in the top ten itself, it may compare to (the) ten (largest) players.
Če ING Direct sama ni med najbolje uvrščenimi desetimi finančnimi institucijami, se lahko primerja z desetimi (največjimi) akterji.
If ING Direct is among the top ten largest players, the comparison should be made against the other nine largest players on the market.
Če je ING Direct med desetimi največjimi akterji, bi se morala primerjati z drugimi devetimi največjimi akterji na trgu.
The latter does not apply to ING Direct Austria, which can always compare itself to ten other (largest) players.
Slednje ne velja za ING Direct Austria, ki se vedno lahko primerja z desetimi drugimi (največjimi) akterji.
See Recital 124.
Glej uvodno izjavo (124).
That is, all ING branches or subsidiaries that are not part of ING Direct and which have a market share above 5 %.
To pomeni vse podružnice ali hčerinske družbe ING, ki niso del ING Direct in katerih tržni delež je večji od 5 %.
For the Insurance US, the 50 %+ divestment criterion will be reached as soon as ING has divested 25 % of that business and taking into account a pro-forma divestment of the run off businesses (by allocated equity capital (FY ’11 data)).
Za Insurance US se bo merilo odsvojitve v višini +50 % doseglo takoj, ko bo ING odsvojila 25 % tega podjetja, pri čemer se bo upoštevala predhodna odsvojitev likvidiranih poslovanj (z dodeljenim lastniškim kapitalom (podatki iz proračunskega leta 2011)).
The IRR would be higher because the total amount of repayment would not decrease whereas the time of repayment would advance, reducing therefore the period over which the IRR is calculated.
IRR bi bila večja, ker se skupna vsota odplačila ne bi zmanjšala, čas za odplačilo pa bi tekel, s čimer bi se skrajšalo obdobje, za katerega se izračuna IRR.
That applies to the Annex of the Restructuring Decision and, if the need arises, i,e to the extent that the second paragraph of Article 2 of the 2009 Restructuring Decision and Annex II to that decision is considered by the Union Courts to be valid, also to the commitments in the Annex of the 2009 Restructuring Decision.
To velja za Prilogo k sklepu o prestrukturiranju in po potrebi, tj. v obsegu, v katerem sta drugi odstavek člena 2 odločbe o prestrukturiranju iz leta 2009 in Priloga II k navedeni odločbi po mnenju sodišč Unije veljavna, tudi za zaveze v Prilogi k odločbi o prestrukturiranju iz leta 2009.
A conversion would ensure for the Netherlands at least a repayment at nominal value, which the Netherlands can require in case of conversion under the conditions approved in the Rescue Decision.
Pretvorba bi Nizozemski zagotovila vsaj odplačilo po nominalni vrednosti, ki ga Nizozemska lahko zahteva v primeru pretvorbe pod pogoji, odobrenimi v sklepu o reševanju.
The same approach has been adopted in the Decision in case SA.34539 Commerzbank OJ C 177, 20.6.2012, p. 20 Recital (25).
Enak pristop je bil sprejet v odločitvi v zadevi SA.34539, Commerzbank, UL C 177, 20.6.2012, str. 20, uvodna izjava (25).
In the case SA.29833 KBC OJ C 135, 9.5.2012, p. 5 Recitals 74 to 83, the Commission reassessed the restructuring aid of KBC in view of the requirements of the Commission Communication on the return to viability and the assessment of restructuring measures in the financial sector in the current crisis under the State aid rules, OJ C 195, 19.8.2009, p. 9, (the “Restructuring Communication”) because the modifications to the restructuring plan gave rise to additional State aid.
Komisija je v zadevi SA.29833, KBC, UL C 135, 9.5.2012, str. 5, v uvodnih izjavah od 74 do 83 ponovno ocenila pomoč za prestrukturiranje KBC s stališča zahtev iz Sporočila Komisije o ponovni vzpostavitvi uspešnega poslovanja in oceni ukrepov prestrukturiranja v finančnem sektorju v sedanji krizi na podlagi pravil o državni pomoči, UL C 195,19.8.2009, str. 9, („sporočilo o prestrukturiranju“), ker so spremembe načrta prestrukturiranja pomenile dodatno državno pomoč.
Recital (180) of the Restructuring Decision.
Uvodna izjava (180) sklepa o prestrukturiranju.
See Recital (71)
Glej uvodno izjavo (71).
See Recital (70)
Glej uvodno izjavo (70).
Although those data were not used in the RBB Economics study (see Recital (16)), which was based on a more aggregate market information, it is assumed that the concerns of the RBB Economics study would have been altered in the light of that more detailed information.
Čeprav se ti podatki v študiji družbe RBB Economics, ki je temeljila na bolj združenih tržnih informacijah, niso uporabili (glej uvodno izjavo (16)), se domneva, da bi bili ob upoštevanju teh podrobnejših informacij pomisleki v študiji družbe RBB Economics drugačni.
See Recital (18).
Glej uvodno izjavo (18)
N372/2009 AEGON OJ C 290, 27.10.2010 p.1 and SA.33303 SNS REAAL OJ C 33, 7.2.2012, p. 5
N372/2009, AEGON, UL C 290, 27.10.2010, str. 1, in SA.33303, SNS REAAL, UL C 33, 7.2.2012, str. 5.
SA.33303 SNS REAAL OJ C 33, 7.2.2012, p. 5, SA.29833 KBC OJ C 135, 9.5.2012, p. 5.
SA.33303, SNS REAAL, UL C 33, 7.2.2012, str. 5, SA.29833, KBC, UL C 135, 9.5.2012, str. 5.
See Recital (192) of the 2012 Restructuring Decision.
Glej uvodno izjavo (192) sklepa o prestrukturiranju iz leta 2012.
Although some transactions have taken place they were of smaller size than ING Insurance.
Čeprav so bile nekatere transakcije izvedene, so bile manjše od ING Insurance.
For instance the IPO of Talanx; the acquisition of JEVCO by Intact Financial Corporation (deal size USD 530 million, price to book 1,3, May 2012); acquisition of Old Mutual Skandinavia by Skandia LifeSkandia AB (deal size EUR 2496 million, price to book 1,7, December 2011); acquisition of AXA Canada by Intact Financial Corporation (deal size USD 2665 million, price to book 1,8, May 2011; acquisition of Tower Australia by Dai Ichi Life (deal size USD 1432 million, price to book 1,94, December 2010).
Na primer začetna javna ponudba Talanx; prevzem JEVCO s strani Intact Financial Corporation (višina posla: 530 milijonov USD; razmerje med ceno in knjigovodsko vrednostjo: 1,3; maj 2012); prevzem Old Mutual Skandinavia s strani Skandia LifeSkandia AB (višina posla: 2496 milijonov EUR, razmerje med ceno in knjigovodsko vrednostjo: 1,7; december 2011); prevzem AXA Canada s strani Intact Financial Corporation (višina posla: 2665 milijonov USD, razmerje med ceno in knjigovodsko vrednostjo: 1,8; maj 2011; prevzem Tower Australia s strani Dai Ichi Life (višina posla 1432 milijonov USD, razmerje med ceno in knjigovodsko vrednostjo: 1,94; december 2010).
See Recital (28).
Glej uvodno izjavo (28).
Finally, the retention should only be temporary because ING commits to sell the VA business […].
Nazadnje, zadržanje bi moralo biti le začasno, ker se ING zavezuje k prodaji poslovanja z rentnimi zavarovanji s spremenljivim donosom […].
The monitoring of that commitment includes periodic market soundings in order to ascertain that the prolongation of divestment deadline by the change in the divestment modalities regarding the VA portfolio is limited to the required minimum.
Spremljanje te zaveze vključuje periodične analize trga, da bi se zagotovilo podaljšanje roka odsvojitve s spremembo odsvojitvenih pogojev v zvezi s portfeljem rentnih zavarovanj s spremenljivim donosom, ki je omejen na zahtevani minimum.
Point 34 of the Restructuring Communication notes that adequate remuneration is one of the most appropriate limitations of distortions of competition, as it limits the amount of aid.
V točki 34 sporočila o prestrukturiranju je navedeno, da je ustrezno nadomestilo ena od najustreznejših omejitev izkrivljanja konkurence, saj omejuje količino pomoči.
See Figure 1 in Recital (77)
Glej sliko 1 v uvodni izjavi (77).
EUR [1,5-6] billion respectively [2-9] % on average during the period 2013-2015, see Recital (79).
[1,5–6] milijard EUR oziroma povprečno [2–9] % v obdobju 2013–2015, glej uvodno izjavo (79).
EUR [40-140] million respectively [0,5-6] % by 2015, see Recital (80).
[40–140] milijona EUR oziroma [0,5–6] % do leta 2015, glej uvodno izjavo (80).
Decision in case SA.34539 Commerzbank, OJ C 177 of 20.6.2012, p. 20 and Decision in case SA.29833 KBC OJ C 135 of 9.5.2012, p. 5.
Odločitev v zadevi SA.34539, Commerzbank, UL C 177, 20.6.2012, str. 20, in odločitev v zadevi SA.29833, KBC, UL C 135, 9.5.2012, str. 5.
CATALOGUE OF COMMITMENTS
KATALOG ZAVEZ
Repayment of the remaining Core Tier 1 Securities;
Odplačilo preostalih temeljnih vrednostnih papirjev prvega reda
ING will repay the remaining 300000000 Core Tier 1 Securities to the Netherlandsaccording to the following schedule: (i) EUR 1125 million by 26 November 2012, (ii) EUR 1125 million by 6 November 2013, (iii) EUR 1125 million by 31 March 2014, and (iv) EUR 1125 million by 15 May 2015 as further detailed in the schedule below.
ING bo Nizozemski odplačala preostalih 300000000 temeljnih vrednostnih papirjev prvega reda po naslednjem načrtu: (i) 1125 milijonov EUR do 26. novembra 2012, (ii) 1125 milijonov EUR do 6. novembra 2013, (iii) 1125 milijonov do 31. marca 2014 in (iv) 1125 milijonov do 15. maja 2015, kot je podrobneje navedeno v spodnjem načrtu.
To bring the total payment exactly to EUR 4,5 billion, for a very small part ING will need to exercise the conversion option of the Core Tier-1 securities, because repurchase at 150 % will trigger accrued interest if not done on 13 May of each year.
Da bi skupno plačilo znašalo natanko 4,5 milijarde EUR, bo ING morala v zelo majhni meri uporabiti možnost pretvorbe temeljnih vrednostnih papirjev prvega razreda, ker se s ponovnim odkupom po 150 % sprožijo natečene obresti, če le-ta ni izveden do 13. maja vsako leto.
Those repayments will predominantly be done by repurchasing the Securities from the DutchStateand by paying the related 50 % premium.
Navedena odplačila bodo izvedena predvsem s ponovnim odkupom vrednostnih papirjev od Nizozemske in plačilom povezane 50-odstotne premije.
The actual repayments of the tranches within the above-mentioned schedule are conditional upon approval of the Dutch Central Bank (DNB).
Dejanska izplačila tranš v okviru navedenega načrta mora odobriti nizozemska centralna banka (DNB).
It is ING’s ambition to repay the DutchStateas quickly as possible, and ING will accelerate payments if it is prudent under prevailing financial circumstances.
Cilj ING je čim prej odplačati Nizozemski, pri čemer bo pospešila plačila, če bo v prevladujočih finančnih okoliščinah to preudarno.
If ING accelerates the payments, it would consequently lead to an IRR above 12,5 %.
Če bi ING pospešila plačila, bi to privedlo do IRR nad 12,5 %.
The DutchStatecommits to re-notify the Core Tier 1 recapitalisation measure in the event that ING does not repay in full two consecutive repayment tranches.
Nizozemska se zavezuje, da bo ponovno priglasila ukrep dokapitalizacije temeljnih vrednostnih papirjev prvega reda, če ING ne izplača dveh zaporednih tranš v celoti.
If ING does not repay a total of EUR 4,5 billion by 15 May 2015 as indicated in above schedule the DutchStatecommits to re-notify the Core Tier 1 recapitalisation measure.
Če ING ne odplača 4,5 milijarde EUR do 15. maja 2015, kot je navedeno v načrtu, se Nizozemska zavezuje, da bo ponovno priglasila ukrep dokapitalizacije temeljnih vrednostnih papirjev prvega reda.
Commitments regarding ING’s balance sheet reduction;
Zaveze glede zmanjšanja bilance ING
ING will not have a restriction on organic (that is to say not related to acquisitions) growth of the balance sheet of its businesses.
ING ne bo omejena glede notranje rasti (tj. rasti, ki ni povezana s prevzemi) bilanc svojih dejavnosti.
ING continues to have a general policy to use its growth in funds entrusted by customers mainly to increase lending to the real economy (corporates and consumers) and continues to decrease its exposure to higher risk asset classes within CMBS and RMBS.
ING v skladu s svojo splošno politiko rast svojih sredstev, ki so ji jih zaupale stranke, še naprej uporablja predvsem za povečanje posojil realnemu gospodarstvu (podjetjem in potrošnikom) in nadaljuje z zmanjševanjem izpostavljenosti sredstvom iz razredov z večjim tveganjem v okviru vrednostnih papirjev, zavarovanih s hipoteko na poslovno nepremičnino, in RMBS.
It will not start new initiatives that increase its direct real estate exposure [3], in line with ING’s general de-risking policy.
ING ne bo sprožila novih pobud za povečevanje svoje neposredne izpostavljenosti na trgu nepremičnin [3], kar je v skladu z njeno splošno politiko za zmanjševanje tveganj.
ING commits to divest more than 50 % of ING Insurance/Investment Management (IM) Asia operations before 31 December 2013, more than 50 % of ING Insurance/IM US operations before 31 December 2014 and more than 50 % of ING Insurance/IM Europe operations before 31 December 2015 [4], in addition to the entities/business activities which ING already has divested/placed in run-off/completed as listed in Recital 77 of the 2012 Commission Decision and the latest bi-annual progress report [5].
ING se zavezuje, da bo odsvojila več kot 50 % podjetja ING Insurance/Investment Management Asia do 31. decembra 2013, več kot 50 % podjetja ING Insurance/IM US do 31. decembra 2014 in več kot 50 % podjetja ING Insurance/IM Europe do 31. decembra 2015 [4], poleg subjektov/poslovnih dejavnosti, ki jih je ING že odsvojila, zmanjšala njihov portfelj ali dokončala, ki so na navedeni v uvodni izjavi 77 sklepa o prestrukturiranju iz leta 2012 in najnovejšem dvoletnem poročilu o napredku [5].
In addition, for the US Insurance/IM business, ING commits to divest at least 25 % of the business before 31 December 2013 [6].Divesting control of more than 50 % of ING’s interest (i.e. measured in shares) in a business qualifies as meeting the divestment requirement.
ING se poleg tega zavezuje, da bo v zvezi s podjetjem Insurance/IM US odsvojila najmanj 25 % podjetja pred 31. decembrom 2013 [6].Odsvojitveni nadzor več kot 50 % deleža ING (tj. izmerjenega v delnicah) v podjetju izpolnjuje odsvojitveno zahtevo.
In such a case, ING will lose the majority in the board and will deconsolidate the business (in line with IFRS accounting rules).
V takem primeru bo ING izgubila večino v odboru in dekonsolidirala podjetje (v skladu z računovodskimi pravili mednarodnih standardov računovodskega poročanja).
ING will divest its remaining interests in (i) ING Insurance/IM Europe before 31 December 2018, (ii) ING Insurance/IM US before 31 December 2016, and (iii) ING Insurance/IM Asia before 31 December 2016.
ING bo odsvojila svoje preostale deleže v (i) ING Insurance/IM Europe do 31. decembra 2018, (ii) ING Insurance/IM US do 31. decembra 2016 in (iii) ING Insurance/IM Asia do 31. decembra 2016.
The Netherlandsfurthermore commits that ING will adhere to an acquisition ban:
Nizozemska se zavezuje, da bo ING spoštovala prepoved prevzemov:
ING will refrain from acquisitions of financial institutions for an additional period.
ING se bo vzdržala prevzemov finančnih institucij za dodatno obdobje.
Moreover, ING will refrain, for the same period, from acquiring any (other) businesses that would slow down the repayment of the Core Tier 1 Securities to the Netherlands.
Poleg tega se bo ING v istem obdobju vzdržala prevzemanja vseh (drugih) podjetij, ki bi upočasnili odplačilo temeljnih vrednostnih papirjev prvega reda Nizozemski.
The acquisition ban will apply until 18 November 2015 or until the date on which more than 50 % of the Insurance/IM operations in Asia, 50 % of Insurance/IM US and 50 % of Insurance/IM Europe have been divested, whichever date comes earlier [7].
Prepoved prevzemov bo veljala do 18. novembra 2015 ali do dne, ko bo več kot 50 % podjetja Insurance/IM Asia, 50 % podjetja Insurance/IM US in 50 % podjetja Insurance/IM Europe odsvojenih, pri čemer se upošteva zgodnejši datum [7].
The Netherlandsfurthermore commits that ING Bank will adhere to a price leadership ban:
Nizozemska se nadalje zavezuje, da bo banka ING Bank spoštovala prepoved narekovanja cen:
No price leadership ban will apply for the Netherlands(mortgages, savings, SME deposits, private banking etc).
Za Nizozemsko se ne bo uvedla prepoved narekovanja cen (hipotekarna posojila, prihranki, vloge MSP, zasebno bančništvo itd.).
For other non-ING Direct businesses in the EU with a market share of more than 5 %, the following applies.
Za druga podjetja v EU z več kot 5-odstotnim tržnim deležem, ki niso povezana z ING Direct, velja naslednje.
Without prior authorization of the Commission, ING will not offer more favourable prices on standardized ING products (on markets as defined below) than its three best-priced direct competitors with respect to EU-markets in which ING has a market share of more than 5 %.
ING brez predhodne odobritve Komisije za svoje standardizirane produkte (na spodaj opredeljenih trgih) ne bo ponujala ugodnejših cen kot prvi trije od njenih cenovno najugodnejših neposrednih konkurentov, in sicer na trgih EU, na katerih ima ING več kot 5-odstotni tržni delež.
This means that ING can at best offer a price while there are at least three products on the market with a better price.
Zato lahko ING v najboljšem primeru ponudi ceno, če so na trgu vsaj trije produkti z ugodnejšo ceno.
That commitment is limited to ING's standardized products on the following product markets: (i) retail savings market, (ii) retail mortgage market, (iii) private banking insofar it involves mortgage products or saving products or (iv) deposits for SMEs (where SME is defined according to the definition of SME customarily/currently used by ING in its business in the relevant country).
Ta zaveza je omejena na standardizirane produkte ING na naslednjih trgih produktov: (i) trgu varčevanja zasebnikov, (ii) trgu hipotekarnih posojil za prebivalstvo, (iii) zasebnem bančništvu, če vključuje hipotekarne ali varčevalne produkte, ali (iv) vlogah za MSP (MSP se opredelijo v skladu z opredelitvijo MSP, ki jo ING navadno/trenutno uporablja pri dejavnostih v zadevni državi).
As soon as ING becomes aware of the fact that it offers more favourable prices for its products than its three best-priced competitors, ING will as soon as possible adjust, without any undue delay - within [0-20] working days if allowed on basis of (local) legal and regulatory rules -, its price to a level which is in accordance with this commitment.
Ko ING ugotovi, da za svoje produkte ponuja ugodnejše cene, kot jih ponujajo prvi trije od njenih cenovno najugodnejših konkurentov, čim prej in brez nepotrebnega odlašanja v [0–20] delovnih dneh, če ji je to omogočeno na podlagi (lokalnih) pravnih in zakonodajnih predpisov, prilagodi svoje cene ravni, ki je v skladu s to zavezo.
Moreover, to support ING's long-term viability, ING Direct will refrain, without prior authorisation of the Commission, from offering a more favourable price than its best priced direct competitor (among the ten financial institutions having the largest market share in the relevant product market) [8] with respect to standardised ING products on the retail mortgage and retail savings markets within the EU.
Za podporo dolgoročne sposobnosti preživetja ING se bo ING Direct brez predhodne odobritve Komisije vzdržala ponudbe cene, ki je ugodnejša od njenega neposrednega konkurenta z najugodnejšo ceno (ki ima med desetimi finančnimi institucijami največji tržni delež na ustreznem trgu produktov) [8] ob upoštevanju standardiziranih produktov ING na trgih hipotekarnih posojil za prebivalstvo in varčevanja zasebnikov v EU.
This means that ING can at best offer a price while there is at least one product on the market with a better price.
Zato lahko ING v najboljšem primeru ponudi ceno, če je na trgu vsaj en produkt z ugodnejšo ceno.
A financial institution will be defined as all companies within a group (e.g. second brands, subsidiaries are included).
Finančna institucija je opredeljena kot vse družbe v skupini (vključno z npr. drugimi znamkami in hčerinskimi družbami).
As soon as ING Direct becomes aware of the fact that it has become the price leader on a retail mortgage or retail savings markets within the EU, ING Direct will adjust its price to a level which is in accordance with this commitment as soon as possible without any undue delay - within [0-20] working days if allowed on basis of (local) legal and regulatory rules.
Ko ING Direct ugotovi, da je začela narekovati cene na trgih hipotekarnih posojil za prebivalstvo in varčevanja zasebnikov v EU, čim prej in brez nepotrebnega odlašanja v [0–20] delovnih dneh, če ji je to omogočeno na podlagi (lokalnih) pravnih in zakonodajnih predpisov, prilagodi svoje cene ravni, ki je v skladu s to zavezo.
In case the number of prices in the benchmark based on the best rate from each of the top ten Financial Institutions is less than ten, the 11th, 12th 13 etc largest Financial Institution will be used until ten prices from different Financial Institutions have been found.
Če je število cen v referenčnem okviru na podlagi najboljše stopnje vsake od desetih najvišje uvrščenih finančnih institucij manj kot deset, se uporabi 11., 12., 13. itd. največja finančna institucija, dokler se ne pridobi deset cen iz različnih finančnih institucij.
For each country and product group, a pre-set top ten Financial Institutions list has been agreed (which is included in a separate document which has been agreed with the Commission as the basis for the monitoring) and will be used until 30 June 2013 and updated periodically.
Za vsako državo in produktno skupino se je po dogovoru oblikoval seznam predhodno določenih deset najvišje uvrščenih finančnih institucij (ki je vključen v ločen dokument, ki je po dogovoru s Komisijo osnova za spremljanje), ki se bo uporabljal do 30. junija 2013 in redno posodabljal.
In the second quarter of 2013 the PLB Monitoring Trustee will review the list and propose changes if needed.
V drugem četrtletju leta 2013 bo nadzorni fiduciar za prepoved narekovanja cen pregledal seznam in po potrebi predlagal spremembe.
The benchmark for Italian variable savings promotional rates is constructed based on the top ten Financial Institutions.
Referenčni okvir za italijanske promocijske stopnje variabilnih prihrankov je sestavljen iz desetih najvišje uvrščenih finančnih institucij.
For each Institution, the highest variable savings promotional rate will be taken into account.
Za vsako institucijo se bo upoštevala najvišja promocijska stopnja variabilnih prihrankov.
If the Financial Institution does not offer a variable savings promotional rate, the highest [1-12] month fixed-term deposit offer will be taken instead.
Če finančna institucija ne ponudi promocijske stopnje variabilnih prihrankov, se bo namesto tega upoštevala najvišja [1–12]-mesečna vezana vloga.
However, if more than [2-6] out of the top ten Financial Institutions offer a variable savings promotional rate, the ability to include [1-12]-month fixed term deposits is no longer valid.
Če pa več kot [2–6] od deset najvišje uvrščenih finančnih institucij ponudi promocijsko stopnjo variabilnih prihrankov, ni več možnosti za vključitev [1–12]-mesečnih vezanih vlog.
Details to the exceptions and other clarifications are included in a separate document which has been agreed with the Commission for the monitoring.
Podrobnosti v zvezi z izjemami in druge pojasnitve so vključene v ločen dokument, ki je po dogovoru s Komisijo osnova za spremljanje.
In order to calculate the combined value of the offer, the acquisition incentive is discounted with ING's average first deposit for the campaign on a 12-month basis, resulting in an effective combined interest rate.
Za izračun kombinirane vrednosti ponudbe se ne upošteva spodbuda za prevzem, diskontiran s povprečno prvo vlogo ING za kampanjo vsakih dvanajst mesecev, posledica pa je učinkovita kombinirana obrestna mera.