natgillin/translations-raw huggingface dataset:
ÖVAG's balance sheet and RWA, which were taken as the reference point, are the values as per 31 December 2008, while KA was sold to Austria in November 2008.
Bilančna vsota in RWA ÖVAG, ki sta bili uporabljeni kot referenčni točki, sta vrednosti z dne 31. decembra 2008, KA pa je bila Avstriji prodana novembra 2008.
Since Livebank is the only part of ÖVAG's business where it is taking deposits, no price leadership ban is necessary for any other market segment.
Ker je Livebank edini del poslovanja ÖVAG, kjer banka prejema vloge, prepoved določanja cen za druge tržne segmente ni potrebna.
See point 4.1 of the Annex.
Glej točko 4.1 Priloge.
In case of conflict between the text of the decision and the Annex, the conflict has to be resolved with regard to the text of the decision.
V primeru nasprotij med besedilom Sklepa in besedilom Priloge prevlada besedilo Sklepa.
List of commitments in state aid procedure SA.31883 Österreichische Volksbanken AG
Seznam zavez v postopku državne pomoči SA.31883 Österreichische Volksbanken AG
Pursuant to Article 7(4) of Council Regulation (EC) No 659/1999, as amended, the Republic of Austria (“Austria”) hereby provides the following commitments concerning Österreichische Volksbanken-Aktiengesellschaft ("ÖVAG") in order to enable the European Commission (“the Commission”), by decision under Article 107(3)(b) of the Treaty on the Functioning of the European Union, to find aid granted to ÖVAG compatible with the internal market.
Republika Avstrija (v nadaljnjem besedilu: Avstrija) v skladu s členom 7(4) Uredbe Sveta (ES) št. 659/1999, kakor je bila spremenjena, podaja naslednje zaveze v zvezi z Österreichische Volksbanken-Aktiengesellschaft (v nadaljnjem besedilu: ÖVAG), da bi lahko Evropska komisija (v nadaljnjem besedilu: Komisija) pomoč, dodeljeno ÖVAG, prepoznala kot združljivo z notranjim trgom na podlagi odločitve v skladu s členom 107(3)(b) Pogodbe o delovanju Evropske unije.
The commitments will take effect upon the date of adoption of the decision.
Zaveze začnejo veljati na dan sprejetja Sklepa.
This text should be interpreted within the general framework of Community law and with reference to Council Regulation (EC) No 659/1999, as well as with regard to the decision to which the commitments are attached as commitments and/or conditions and obligations.
To besedilo je treba razlagati v splošnem okviru prava Skupnosti in na podlagi Uredbe Sveta (ES) št. 659/1999 ter ob upoštevanju Sklepa, h kateremu so zaveze priložene kot zaveze in/ali pogoji in obveznosti.
Austria is to ensure that the restructuring plan (“restructuring plan”) for ÖVAG submitted on 4 September 2012 is correct and fully implemented.
Avstrija mora zagotoviti, da bo načrt prestrukturiranja (v nadaljnjem besedilu: načrt prestrukturiranja) ÖVAG, ki je bil predložen 4. septembra 2012, pravilno in v celoti izveden.
Austria is to ensure that the commitments (“commitments”) listed below are fully observed during the implementation of the restructuring plan.
Avstrija mora zagotoviti, da se bodo spodaj navedene zaveze (v nadaljnjem besedilu: zaveze) med izvajanjem načrta prestrukturiranja v celoti upoštevale.
Core segment and winding-up segment
Osrednji segment in segment za likvidacijo
ÖVAG has set up an internal winding-up segment to which certain assets are assigned in order to wind them up.
ÖVAG je ustanovila notranji segment za likvidacijo, kateremu so dodeljena nekatera sredstva, ki jih je treba likvidirati.
The winding-up segment is to be managed as a segment in its own right with separate accounting in the sense of its own reporting procedure.
Segment za likvidacijo je treba upravljati kot samostojen segment z ločenim računovodstvom v smislu lastnega postopka poročanja.
Reduction of the balance sheet total and RWA
Zmanjšanje bilančne vsote in RWA
[Reduction of balance sheet total – group] Starting from ÖVAG’s audited balance sheet total of EUR 48116 million on 31 December 2009, the group’s total balance sheet assets are to be reduced to EUR [26000-28000] million by 31 December 2013, to EUR [22000-24000] million by 31 December 2014, to EUR [20000-22000] million by 31 December 2015, to EUR [18000-20000] million by 31 December 2016, and to EUR 18390 million by 31 December 2017.
[Zmanjšanje bilančne vsote – skupina] Z revidirane bilančne vsote ÖVAG z dne 31. decembra 2009 v višini 48116 milijonov EUR se bo bilančna vsota skupine zmanjšala na [26000–28000] milijonov EUR do 31. decembra 2013, na [22000–24000] milijonov EUR do 31. decembra 2014, na [20000–22000] milijonov EUR do 31. decembra 2015, na [18000–20000] milijonov EUR do 31. decembra 2016 in na 18390 milijonov EUR do 31. decembra 2017.
[Reduction of RWA – group] Starting from the group’s total risk-weighted assets (from total risk) of EUR 29505 million on 31 December 2009, these assets are to be reduced to EUR [16000-18000] million by 31 December 2013, to EUR [14000-16000] million by 31 December 2014, to EUR 11682 million by 31 December 2015, to EUR [10000-12000] million by 31 December 2016, and to EUR [10000-12000] million by 31 December 2017.
[Zmanjšanje RWA – skupina] S celotne tveganju prilagojene aktive skupine (glede na skupno tveganje) z dne 31. decembra 2009 v višini 29505 milijonov EUR se bo ta aktiva zmanjšala na [16000–18000] milijonov EUR do 31. decembra 2013, na [14000–16000] milijonov EUR do 31. decembra 2014, na 11682 milijonov EUR do 31. decembra 2015, na [10000–12000] milijonov EUR do 31. decembra 2016 in na [10000–12000] milijonov EUR do 31. decembra 2017.
[Reduction of balance sheet total – winding-up segment] The total balance sheet assets in the winding-up segment are to be reduced to EUR [10000-12000] million by 31 December 2013, to EUR [6000-8000] million by 31 December 2014, to EUR [6000-8000] by 31 December 2015, to EUR [5000-7000] million by 31 December 2016, and to EUR [4000-6000] million by 31 December 2017.
[Zmanjšanje bilančne vsote – segment za likvidacijo] Bilančna vsota v segmentu za likvidacijo se bo zmanjšala na [10000–12000] milijonov EUR do 31. decembra 2013, na [6000–8000] milijonov EUR do 31. decembra 2014, na [6000–8000] milijonov EUR do 31. decembra 2015, na [5000–7000] milijonov EUR do 31. decembra 2016 in na [4000–6000] milijonov EUR do 31. decembra 2017.
[RWA reduction – winding-up segment] The total risk-weighted assets in the winding-up segment (total risk) are to be reduced to EUR [11000-13000] million by 31 December 2013, to EUR [8000-10000] million by 31 December 2014, to EUR [5000-7000] million by 31 December 2015, to EUR [5000-7000] million by 31 December 2016, and to EUR [4000-6000] million by 31 December 2017.
[Zmanjšanje RWA – segment za likvidacijo] Celotna tveganju prilagojena aktiva v segmentu za likvidacijo (skupno tveganje) se bo zmanjšala na [11000–13000] milijonov EUR do 31. decembra 2013, na [8000–10000] milijonov EUR do 31. decembra 2014, na [5000–7000] milijonov EUR do 31. decembra 2015, na [5000–7000] milijonov EUR do 31. decembra 2016 in na [4000–6000] milijonov EUR do 31. decembra 2017.
Deadlines in the winding-up segment are to be extended only if there is a realistic, factual and plausible possibility that an extension will make the financing easier to use in the future.
Roki, ki veljajo za segment za likvidacijo, bodo podaljšani le, če obstaja realna, dejanska in verjetna možnost, da bo podaljšanje olajšalo uporabo finančnih sredstev v prihodnje.
Extensions are to be granted only three times and for a maximum of one year in each case.
Podaljšanje se lahko odobri le trikrat in v vsakem primeru za največ eno leto.
Justified exceptions with longer extension periods are to be disclosed to the monitoring trustee and adequately justified in each individual case.
Utemeljene izjeme s podaljšanjem za daljša obdobja je treba sporočiti skrbniku spremljanja in jih v vsakem posameznem primeru ustrezno utemeljiti.
At the end of the restructuring period all winding-up activities must still be brought to a close as quickly as possible.
Ob koncu obdobja prestrukturiranja morajo biti vse dejavnosti v zvezi z likvidacijo čim prej zaključene.
When calculating the amounts in Nos 3.1 – 3.6, changes due to amended legal provisions resulting from the application of the CRD IV/CRR are not to be taken into account.
Spremembe se pri izračunu zneskov iz št. 3.1–3.6 ne upoštevajo zaradi spremenjenih zakonskih določb, ki izhajajo iz uporabe CRD IV/CRR.
Restriction of business activities
Omejitev poslovnih dejavnosti
Only association-related business is to be carried out in the core business.
V osrednjem segmentu se lahko izvajajo le posli s povezanimi družbami.
In this connection, “association-related business” means that ÖVAG (i) is to act as a central organisation for the Volksbanken and is therefore to provide services to the directly affiliated institutions, and (ii) is to provide or procure products and services for the Volksbanken and their customers.
V zvezi s tem pojem „posli s povezanimi družbami“ pomeni, da mora ÖVAG (i) delovati kot centralna organizacija skupine Volksbanken in zato zagotavljati storitve neposredno povezanim institucijam ter (ii) zagotavljati ali naročati produkte in storitve za Volksbanken in njihove stranke.
ÖVAG is not to undertake in its own name or for its own account any credit or other lending business with third-party customers.
ÖVAG v svojem imenu ali za svoj račun ne sme opravljati kreditnih ali drugih posojilnih storitev za tretje osebe.
Discontinuation of business areas
Opustitev poslovnih področij
[Discontinuation of business areas] ÖVAG is to implement the business model outlined in the restructuring plan, and in this connection to discontinue the business areas as described in the restructuring plan, with the following business areas in particular being discontinued completely:
[Opustitev poslovnih področij] ÖVAG mora uvesti poslovni model, ki je opisan v načrtu prestrukturiranja, in v zvezi s tem opustiti poslovna področja, kot je opisano v načrtu prestrukturiranja, zlasti pa mora povsem opustiti naslednja poslovna področja:
“Renewable energy” business area.
Poslovno področje „obnovljivi viri energije“.
The business area includes project financing in the “renewable energy” area in Austria, Germany and countries in Eastern Europe.
To poslovno področje vključuje financiranje projektov na področju „obnovljivih virov energije“ v Avstriji, Nemčiji in državah v vzhodni Evropi.
This does not include financing provided by the primary level Volksbanken in order to take over syndicate shares, in so far as the primary bank takes on a share of the financing in proportion to its size.
To ne vključuje financiranja, ki ga zagotavljajo primarne Volksbanken za prevzem deležev sindikatov, če primarna banka prevzame delež financiranja, ki je sorazmeren z njeno velikostjo.
“Model financing” business area.
Poslovno področje „financiranje po modelu“.
The “model financing” business area concerns providing loans for purchasing and renovating dwellings in central locations using financial support available to creditworthy private individuals.
To poslovno področje se nanaša na zagotavljanje posojil za nakup in prenovo stanovanj na središčnih lokacijah z uporabo finančne podpore, ki je na voljo kreditno sposobnim fizičnim osebam.
[Trade for own account] ÖVAG is to further refrain from conducting dedicated proprietary trading.
[Trgovanje za lastni račun] ÖVAG se mora še naprej izogibati namenskemu trgovanju za lastni račun.
This means that ÖVAG is to carry out only trading activities indicated in its trading book that are necessary either a) for accepting, transferring and executing its customers’ sales and purchase orders (i.e. trading with financial instruments as a service), or b) for hedging customer business or interest and liquidity management in the treasury sector or c) so that the economic transfer of balance sheet items to the restructuring unit or to third parties can be carried out.
To pomeni, da mora ÖVAG izvajati le tržne dejavnosti, ki so navedene v njeni trgovalni knjigi in so potrebne (a) za sprejem, prenos in izvajanje prodajnih in nabavnih nalogov njenih strank (tj. trgovanje s finančnimi instrumenti kot storitev) ali (b) za zavarovanje poslov ali interesov strank in upravljanje likvidnosti v sektorju zakladništva ali (c) za ekonomski prenos bilančnih postavk na enoto za prestrukturiranje ali tretje osebe.
It is to be ensured in any case that these items are entered into only within the overall limit of EUR 3 million value-at-risk / one-day holding period / confidence level of 99 %, and where there is no danger to ÖVAG’s risk-bearing capacity or liquidity situation.
V vsakem primeru je treba zagotoviti, da se te postavke vnesejo le do splošne meje 3 milijonov EUR tvegane vrednosti/enodnevno obdobje posedovanja/pri 99-odstotni stopnji zaupanja in kadar nista ogrožena sposobnost ÖVAG za prevzem tveganja ali njen likvidnostni položaj.
Under no circumstances will ÖVAG carry out business activities that serve purely to make a profit apart from the above-mentioned purposes.
ÖVAG ne bo pod nobenim pogojem izvajala poslovnih dejavnosti, ki so namenjene le ustvarjanju dobička, razen v zgoraj navedene namene.
[Sales] ÖVAG is to sell off the following entities completely (“signing”) by no later than the stated deadlines:
[Prodaja] ÖVAG mora naslednje subjekte v celoti odprodati (v nadaljnjem besedilu: podpis) pred navedenimi roki:
Sale of all shares in the leasing subsidiary VBLI by 31 December [2013-2017];
Prodaja vseh delnic v lizing hčerinski družbi VBLI do 31. decembra [2013–2017];
Sale of all shares in Malta/IK Malta Volksbank by 31 December [2013-2017];
Podaja vseh delnic v družbi na Malti/IK Malta Volksbank do 31. decembra [2013–2017];
Sale of all shares in Volksbank Rumänien by 31 December [2013-2017];
Podaja vseh delnic v Volksbank Rumänien do 31. decembra [2013–2017];
Sale of all shares in RZB by 31 December [2013-2017];
Podaja vseh delnic v RZB do 31. decembra [2013–2017];
The buyers of the entities stated in Nos 6.1.1 - 6.1.4 must be persons that are legally and economically independent of the Republic of Austria and VB Holding / the primary level banks
Kupci subjektov, navedenih v št. 6.1.1–6.1.4, morajo biti osebe, ki so pravno in gospodarsko neodvisne od Republike Avstrije in VB Holding/primarnih bank.
If the shares mentioned in Nos 6.1.1 to 6.1.3 are not sold by the deadlines laid down there, ÖVAG will take all the measures available to it to end new business in these entities and to wind them up.
Če delnice iz št. 6.1.1–6.1.3 ne bodo prodane pred tam navedenimi roki, bo ÖVAG sprejela vse ukrepe, ki so ji na voljo, da zaključi nove posle v teh subjektih in jih likvidira.
ÖVAG will do everything in its power to reach an agreement with its joint partners early enough (6.1.1 and 6.1.3) to end the new business by the stipulated deadlines.
ÖVAG bo storila vse, kar je v njeni moči, da se s partnerji dovolj zgodaj (6.1.1 in 6.1.3) dogovori in tako zaključi nove posle v predpisanih rokih.
If the shares mentioned in No 6.1.4 have not been sold by the deadline stipulated there, an official sales agent is to organise the sale.
Če delnice iz št. 6.1.4 ne bodo prodane pred tam predpisanim rokom, bo prodajo organiziral uradni prodajni zastopnik.
Measures by DZ Bank, ERGO and RZB
Ukrepi družb DZ Bank, ERGO in RZB
Austria is to ensure that Deutsche Zentral-Genossenschaftsbank (DZ Bank), ERGO Gruppe and Raiffeisen Zentralbank Österreich AG (RZB) implement the planned measures, as laid down in the restructuring agreement (“restructuring agreement”) reached on 26 April 2012 between the Republic of Austria and DZ Bank AG, ERGO Versicherung AG and ERGO Versicherungsgruppe AG, Raiffeisen Zentralbank Österreich AG, Volksbanken Holding eingetragene Genossenschaft, Österreichischer Genossenschaftsverband and ÖVAG.
Avstrija mora zagotoviti, da bodo družbe Deutsche Zentral-Genossenschaftsbank (DZ Bank), ERGO Gruppe in Raiffeisen Zentralbank Österreich AG (RZB) izvedle načrtovane ukrepe, kot je določeno v sporazumu o prestrukturiranju (v nadaljnjem besedilu: sporazum o prestrukturiranju), ki je bil sklenjen 26. aprila 2012 med Republiko Avstrijo in DZ Bank AG, ERGO Versicherung AG in ERGO Versicherungsgruppe AG, Raiffeisen Zentralbank Österreich AG, Volksbanken Holding eingetragene Genossenschaft, Österreichischer Genossenschaftsverband in ÖVAG.
Other rules of conduct / Corporate Governance
Druga pravila ravnanja/Upravljanje družbe
[Ban on acquisitions] ÖVAG commits to refrain from making acquisitions.
[Prepoved prevzemov] ÖVAG se zavezuje, da se bo vzdržala prevzemov.
This applies to both the purchase of companies with their own legal structure, and shares in companies, as well as asset bundles that represent a commercial transaction or a branch of activity.
To velja za nakupe družb z lastno pravno strukturo, delnic v družbah in paketov sredstev, ki se štejejo za tržno poslovanje ali vejo dejavnosti.
This does not apply to acquisitions that must be made in order to maintain financial and/or association-related stability, or in the interests of effective competition, provided that they have been approved beforehand by the Commission.
To ne velja za prevzeme, ki so potrebni za ohranjanje finančne stabilnosti in/ali stabilnosti v zvezi s povezanimi družbami ali za zagotovitev učinkovite konkurence, če te prevzeme predhodno odobri Komisija.
This does not apply either to acquisitions that belong, in terms of the management of existing obligations of customers in financial difficulty, to a bank's normal ongoing business.
To ne velja niti za prevzeme, ki spadajo med običajne tekoče dejavnosti banke v smislu upravljanja obstoječih obveznosti strank v finančnih težavah.
The obligation is to apply until the restructuring phase ends.
Obveznost velja do konca faze prestrukturiranja.
[Hybrids] Until 31 December 2017, ÖVAG may not make any payments in respect of profit-related equity instruments (such as hybrid financial instruments and profit participation certificates (Genussscheine), in so far as those payments are not owed on the basis of a contract or the law. If ÖVAG’s balance sheet were to indicate a loss before the adjustment of reserves and retained earnings, the above-mentioned instruments must also participate fully in the loss pursuant to the possibilities under supervisory and civil law. In this connection, ÖVAG is to undertake not to draw on reserves in the case of losses until 31 December 2017.
[Hibridi] ÖVAG do 31. decembra 2017 ne sme izvajati plačil v zvezi s kapitalskimi instrumenti, ki so povezani z dobičkom (kot so hibridni finančni instrumenti in potrdila o udeležbi pri dobičku – Genussscheine), če jih ni dolžna izplačevati na podlagi pogodbe ali zakonov. Če bo bilanca ÖVAG nakazovala izgubo pred prilagoditvijo rezerv in zadržanega čistega dobička, je treba tudi zgoraj navedene instrumente v celoti uporabiti za kritje izgube v skladu z možnostmi iz predpisov o nadzoru in civilnega prava. ÖVAG se v zvezi s tem zavezuje, da v primeru izgub ne bo črpala iz rezerv pred 31. decembrom 2017.
[Ban on price leadership] In the area of deposit services, the Live Bank is prohibited until 31 December 2015 from offering better interest rate conditions (for all maturities) than its competitor with the third-best conditions on the Austrian market for direct online banking without the Commission's prior approval.
[Prepoved določanja cen] Na področju depozitnih storitev Live Bank pred 31. decembrom 2015 brez predhodne odobritve Komisije ne sme ponujati bolj ugodnih pogojev glede obrestnih mer (velja za vse roke dospelosti), kot jih ponuja njen konkurent s tretjimi najboljšimi obrestnimi merami za neposredno spletno bančništvo na avstrijskem trgu.
[Advertising] ÖVAG must not use the granting of the aid measures or any advantages arising therefrom for advertising purposes.
[Oglaševanje] ÖVAG dodelitve ukrepov pomoči ali drugih prednosti, ki izhajajo iz tega, ne sme izkoristiti za oglaševanje.
[Remuneration of bodies, employees and essential agents] ÖVAG must verify the incentive effect and appropriateness of its remuneration systems and ensure, using the possibilities under civil law, that they do not result in exposure to undue risks, are oriented towards sustainable, long-term company objectives, and are transparent.
[Plačila organov, zaposlenih in pomembnih zastopnikov] ÖVAG mora preveriti spodbujevalni učinek in primernost svojih plačilnih sistemov ter z možnostmi, ki jih ponuja civilno pravo, zagotoviti, da ti sistemi ne povzročijo izpostavljenosti neprimernim tveganjem, da so usmerjeni k trajnim, dolgoročnim ciljem družbe in da so pregledni.
[Other rules of conduct] ÖVAG is to continue expansion of its risk-monitoring operations and to conduct a commercial policy that is prudent, sound and oriented towards sustainability.
[Druga pravila ravnanja] ÖVAG mora še naprej širiti svoje dejavnosti spremljanja tveganja in izvajati trgovinsko politiko, ki je premišljena, zanesljiva in trajnostno usmerjena.
ÖVAG and primary institutions
ÖVAG in primarne institucije
[Remuneration for liquidity reserves] Pursuant to Section 25(13) of the Austrian Banking Act, ÖVAG is to pay a remuneration for the liquidity reserve to the primary institutions of no more than the three-month Euribor rate plus [40-70] basis points ("bp") for their deposits.
[Nadomestilo za likvidnostne rezerve] ÖVAG mora v skladu z oddelkom 25(13) avstrijskega Zakona o bančništvu primarnim institucijam za njihove vloge izplačati nadomestilo za likvidnostne rezerve, ki ne presega trimesečne obrestne mere Euribor, povečane za [40–70] bazičnih točk (v nadaljnjem besedilu: bt).
On 1 January 2014 and 1 January 2015 the cost rate will be reduced in each case by [5-10] bp, and by a further [3-7] bp on 1 January 2016 and 1 January 2017, so that the conditions are the same as the three-month Euribor rate plus [20-40] bp from 1 January 2017.
Stopnja stroškov se bo 1. januarja 2014 in 1. januarja 2015 v vsakem primeru znižala za [5–10] bt, 1. januarja 2016 in 1. januarja 2017 pa za dodatnih [3–7] bt, tako da bodo pogoji od 1. januarja 2017 enaki trimesečni obrestni meri Euribor, povečani za [20–40] bt.
With the Commission’s explicit approval other fund transfer pricing components can also be used, provided it can be demonstrated that the profit from reducing the conditions for interest paid on the liquidity reserves as described here, is at least achieved.
Z izrecnim soglasjem Komisije se lahko uporabijo tudi drugi elementi cen za prenos sredstev, če je mogoče dokazati, da se z zmanjšanjem pogojev glede obresti, plačanih za likvidnostne rezerve, kot je opisano tukaj, vsaj doseže dobiček.
[Fees] ÖVAG is to retain all the fees it charges for business brought in through the LiveBank's website.
[Pristojbine] ÖVAG mora zadržati vse pristojbine, ki jih zaračunava za poslovanje prek spletne strani LiveBank.
[Distribution of dividends to the primary institutions] Dividends may be distributed to the primary institutions within the framework laid down in the restructuring agreement, provided that the limit of EUR [7-10] million mentioned there under No 7.2 is reduced to EUR [5-8] million and only to the extent that, where dividends are to be distributed under No 7.2, sufficient profits were made and also new, external base capital was raised (net, after the deduction of repayments) to at least cover (compensation for profits not retained) the amount distributed (to equity investors and to the Federal Government).
[Razdelitev dividend primarnim institucijam] Dividende se lahko razdelijo primarnim institucijam v okviru, določenem v sporazumu o prestrukturiranju, če se meja [7–10] milijonov EUR, ki je določena v št. 7.2 v sporazumu, zniža na [5–8] milijonov EUR, in če se v primeru, kjer bodo dividende razdeljene v skladu s št. 7.2,. ustvari zadosten dobiček in zbere nov, zunanji osnovni kapital (čisti, po odštetju vračil), da se lahko pokrije (nadomestilo za nezadržani dobiček) vsaj razdeljeni znesek (vlagateljem kapitala in zvezni vladi).
Remuneration of the aid measures
Nadomestilo za ukrepe pomoči
[Remuneration of the asset guarantee] The asset guarantee of EUR 100 million provided by Austria is to be remunerated with a non-profit-related bonus of 10 % p.a.
[Nadomestilo za jamstvo za sredstva] Jamstvo za sredstva v višini 100 milijonov EUR, ki ga je zagotovila Avstrija, se bo povrnilo z nedobičkonosno letno premijo v višini 10 %.