natgillin/translations-raw huggingface dataset:
If the nominal exposure to the regulatory group concerned exceeds EUR […] million, the additional financing will not exceed […] % of the nominal exposure.
če nominalna izpostavljenost zadevni regulativni skupini presega […] milijonov EUR, dodatno financiranje ne bo preseglo […] % nominalne izpostavljenosti.
New regulatory groups
Nove regulativne skupine
New lending to new regulatory groups: The merged entity may lend to a new regulatory group only where the following conditions are cumulatively met:
Nova posojila novim regulativnim skupinam: Združeni subjekt lahko izda posojila novi regulativni skupini samo, če so kumulativno izpolnjeni naslednji pogoji:
Proceeds are used to reduce the exposure of an existing regulatory group; and
prihodki se uporabijo za zmanjšanje izpostavljenosti obstoječe regulativne skupine in
The transaction overall does not increase the total net exposure to the merged entity; and
celotni znesek transakcije ne poveča skupne čiste izpostavljenosti združenemu subjektu in
The new lending minimises the expected capital losses and/or enhances expected recovery values (as measured by NPV) compared to other restructuring or foreclosure strategies; and
novo posojilo zmanjša pričakovane kapitalske izgube na najnižjo raven in/ali poveča pričakovane vrednosti vračila (merjene na podlagi ČSV) v primerjavi z drugimi strategijami prestrukturiranja ali zasega in
There is no capitalisation of interest (interest roll-up).
obresti se ne kapitalizirajo.
Specific lending commitments on the mortgage book.
Posebne posojilne zaveze za hipotekarni portfelj.
The following specific lending commitment will also apply to the restructuring of existing mortgage loans.
Naslednje posebne posojilne zaveze se bodo uporabljale tudi za prestrukturiranje obstoječih hipotekarnih posojil.
When the balance of the loan exceeds the value of the property, the merged entity may facilitate the loan’s redemption through selling off the property by the way of providing additional finance to a vendor enabling the repayment of the outstanding balance; and it complies with the commitment in point (3).
Kadar preostali znesek posojila presega vrednost nepremičnine, lahko združeni subjekt pospeši odkup posojila z odprodajo nepremičnine, tako da zagotovi dodatno financiranje prodajalcu, kar omogoči odplačilo še neporavnanega zneska, in je to skladno z zavezo iz točke 3.
On an exceptional basis and in the national interest, the Irish National Authorities may determine that exceptions to the above lending restrictions in points (7) and (8) are required to enhance expected recovery values on a Net Present Value basis.
Če je to v nacionalnem interesu, lahko irski nacionalni organi izjemoma določijo, da so za zgornje omejitve posojil iz točk 7 in 8 potrebne izjeme, da se povečajo pričakovane vrednosti vračila na podlagi čiste sedanje vrednosti.
Such determinations will be subject to prior approval by the European Commission.
Take izjeme bodo predmet predhodnega soglasja Evropske komisije.
Transfer of legacy Anglo and INBS deposits.
Prenos zapuščinskih vlog bank Anglo in INBS.
Following the transfer of all legacy Anglo and INBS deposits (where deposits do not include intra-group deposits, interbank deposits, wholesale funding, debt-securities in issue or funding provided central banks and/or equivalent institutions), the merged entity will be left with the categories of deposits and accounts specified below (‘excluded liabilities’) which are permitted to remain in the merged entity, subject to any associated commitments:
Po prenosu vseh zapuščinskih vlog bank Anglo in INBS (pri čemer vloge ne vključujejo vlog znotraj skupine, medbančnih depozitov, financiranja podjetij, izdanih dolžniških vrednostnih papirjev ali financiranja s strani centralnih bank in/ali enakovrednih institucij) bodo združenemu subjektu ostale kategorije vlog in spodaj opredeljeni računi („izključene obveznosti“), ki lahko ostanejo v združenem subjektu ob upoštevanju s tem povezanih zavez:
Deposits which at the time of transfer of the deposits are held by or on behalf of any subsidiary of the Transferor (but not including Isle of Man Co.):
vloge, ki se v času prenosa vlog hranijo pri ali v imenu katere koli podružnice prenositelja (razen Isle of Man Co);
Secured accounts (in favour of the Transferor or any other person) and deposits related or connected to a regulatory group from the Transferor or tracker bond accounts at the Transfer Time;
zavarovani računi (v korist prenositelja ali druge osebe) in vloge, ki se nanašajo ali so povezane z regulativno skupino, od prenositelja ali depozitnih računov za indeksne obveznice v času prenosa;
Deposits denominated in currencies other than euro, United States Dollars or Sterling at the time of transfer of deposits.
vloge, ki so v času prenosa denominirane v drugih valutah, ki niso EUR, ameriški dolar (USD) ali šterling.
Accounts where the account or the customer to whom the account relates has been the subject of notification of an investigation by any police, fraud or investigative authority;
računi, pri katerih je račun ali stranka, na katero se račun nanaša, predmet preiskave, ki so jo uvedli bodisi policijski organi, organi za preprečevanje goljufij ali preiskovalni organi; in
All INBS accounts identified in the accounting records of the Transferor by branch […].
vsi računi banke INBS, ki so opredeljeni v računovodskih evidencah prenositelja pod podružnico […].
Caps on deposits and excluded liabilities.
Omejitve za vloge in izključene obveznosti.
The merged entity will not collect deposits from new customers.
Združeni subjekt ne bo zbiral vlog novih strank.
The overall amount of deposits from existing customers at the date of the merger will at no point in time exceed EUR 1 billion, and will not consist of deposits other than those defined in point (10) above.
Skupni znesek vlog obstoječih strank na dan združitve nikoli ne sme preseči 1 milijarde EUR, vanj pa so zajete samo tiste vloge, ki so navedene v zgornji točki (10).
The merged entity will wind-down deposits at broadly the same rate as their related or connected assets are wound down (or, if there are no related or connected assets, at broadly the same rate as the overall net loan book is wound down) excluding currency movements and contractual commitments to retain deposits.
Združeni subjekt bo zmanjševal vloge po približno enaki stopnji, kot bodo likvidirana njihova povezana sredstva (oziroma, če povezana sredstva ne obstajajo, po približno enaki stopnji, kot bo likvidiran portfelj skupnih neto posojil), in sicer brez upoštevanja sprememb tečaja in pogodbenih obveznosti za ohranitev vlog.
In addition, the deposit book of the merged entity will not exceed the forecasts of the restructuring plan by more than EUR 200 million at any moment.
Poleg tega portfelj vlog združenega subjekta nikoli ne sme preseči napovedi iz načrta prestrukturiranja za več kot 200 milijonov EUR.
Monitoring Trustee.
Skrbnik spremljanja.
The merged entity will appoint a Monitoring Trustee, subject to European Commission’s approval, who will verify the adherence to the above listed commitments.
Združeni subjekt bo imenoval skrbnika spremljanja, ki ga mora potrditi Evropska komisija in ki bo preveril skladnost z zgoraj navedenimi zavezami.
The Monitoring Trustee will be nominated for a period of three years.
Skrbnik spremljanja bo imenovan za dobo treh let.
The appointment rules of the Monitoring Trustee and its duties are listed in Annex II.
Pravila imenovanja skrbnika spremljanja in njegove dolžnosti so navedene v Prilogi II.
The Monitoring Trustee will in particular need to prove that he has an experience in the area of loan restructuring and loan management to monitor commitments (3) and (6).
Skrbnik spremljanja bo moral zlasti dokazati, da ima izkušnje na področju prestrukturiranja posojil in upravljanja posojil za namene spremljanja zavez iz točk 3 in 6.
Enforcement and Reporting.
Izvrševanje in poročanje.
The Irish authorities will ensure that the merged entity complies with the above listed commitments.
Irski organi bodo zagotovili, da bo združeni subjekt deloval skladno z zgoraj navedenimi zavezami.
The Irish authorities will submit regular reports on the measures taken to comply with the commitments.
Irski organi predložijo redna poročila o ukrepih, ki se sprejmejo za zagotovitev skladnosti z zavezami.
The first report will be submitted to the Commission not later than six months after approval from the date of notification of the Decision and thereafter at six-monthly intervals.
Prvo poročilo se predloži Komisiji najpozneje šest mesecev po odobritvi od datuma uradnega obvestila o tem sklepu in nato v šestmesečnih presledkih.
For the sake of clarity, a regulatory group can comprise a single borrower, or several customers to which the merged entity has provided a loan.
Zaradi jasnosti je treba navesti, da je lahko regulativna skupina sestavljena iz enega samega posojilojemalca ali več strank, ki jim je združeni subjekt odobril posojilo.
If a regulatory group consists of several customers, multiple loans may be held which are cross-collateralised.
Če je regulativna skupina sestavljena iz več strank, se lahko izda več posojil, ki so medsebojno zavarovana.
When seeking to minimise capital losses or maximise recoveries, lending can be considered at the level of the regulatory group rather than of the individual borrower.
Kadar poskušamo čim bolj zmanjšati kapitalske izgube ali povečati vračila, je bolje, če se posojila obravnavajo na ravni regulativne skupine kakor na ravni posameznega posojilojemalca.
APPOINTMENT AND DUTIES OF THE MONITORING TRUSTEE
IMENOVANJE IN DOLŽNOSTI SKRBNIKA SPREMLJANJA
Anglo Irish Bank and INBS are commonly referred to ‘the merged entity’.
Banki Anglo Irish Bank in INBS se skupno imenujeta „združeni subjekt“.
I. The Monitoring Trustee
I. Skrbnik spremljanja
The Irish authorities commit that the merged entity will appoint a Monitoring Trustee for a period of three years.
Irski organi se zavezujejo, da bo združeni subjekt imenoval skrbnika spremljanja za obdobje treh let.
The Monitoring Trustee shall be one or several natural or legal person(s) independent of the merged entity who will be approved by the Commission and appointed by the merged entity, and will have the duty to monitor whether the merged entity complies with its obligations towards the Commission and implements the restructuring and work-out plan.
Skrbnik spremljanja je ena ali več fizičnih ali pravnih oseb, ki delujejo neodvisno od združenega subjekta. Potrdi ga Komisija in imenuje združeni subjekt, njegova dolžnost pa je spremljanje, ali združeni subjekt izpolnjuje svoje obveznosti v odnosu do Komisije ter izvaja načrt prestrukturiranja in reševanja.
The Monitoring Trustee must be independent of the merged entity and must possess the necessary qualifications to carry out its mandate, for example as an investment bank, consultant or auditor, and shall neither have nor become exposed to a conflict of interest.
Skrbnik spremljanja mora biti neodvisen od združenega subjekta in mora biti ustrezno usposobljen za izvajanje svojih pooblastil, na primer kot investicijska banka, svetovalec ali revizor, poleg tega pa ne sme biti ali postati izpostavljen navzkrižju interesov.
In particular the Monitoring Trustee must have an experience in the area of loan restructuring and loan management to monitor commitments (2) and (5).
Skrbnik spremljanja mora zlasti izkazovati izkušnje na področju prestrukturiranja posojil in upravljanja posojil za namene spremljanja zavez iz točk 2 in 5.
The Monitoring Trustee shall be remunerated by the merged entity, which does not impede the independent and effective fulfilment of its mandate.
Skrbnika spremljanja plačuje združeni subjekt, ki ne sme vplivati na neodvisno in učinkovito izpolnjevanje njegovih nalog in pooblastil.
Appointment of the Monitoring Trustee
Imenovanje skrbnika spremljanja
Proposal by the Irish authorities
Predlog irskih organov
No later than four weeks after the date of delivery of the Decision approving the restructuring and work-out plan of the merged entity, the Irish authorities shall submit for the Commission’s approval the names of two or more persons as Monitoring Trustees and shall indicate which of them is their first choice.
Najpozneje v štirih tednih po datumu prejetja sklepa o odobritvi načrta prestrukturiranja in reševanja združenega subjekta irski organi posredujejo v odobritev Komisiji imena dveh ali več oseb kot skrbnikov spremljanja z navedbo, katera je njihova prva izbira.
The proposal must contain sufficient information for the Commission to verify that the proposed Trustee fulfils the requirements set out in paragraph 3 and shall include:
Predlog mora vsebovati zadostne informacije, da Komisija lahko preveri, ali predlagani skrbnik izpolnjuje zahteve, določene v odstavku 3, in vključuje:
the full terms of the proposed mandate together with all the provisions necessary to enable the Monitoring Trustee to carry out its duties in accordance with these commitments;
celotne pogoje za predlagana pooblastila, skupaj z vsemi potrebnimi določbami, ki omogočajo, da skrbnik spremljanja opravlja svoje dolžnosti v skladu s temi zavezami;
the outline of a work plan describing how the Monitoring Trustee intends to carry out its assigned tasks.
opis delovnega načrta, ki navaja, kako namerava skrbnik spremljanja opravljati naloge, ki so mu bile dodeljene.
Approval or rejection by the Commission
Odobritev ali zavrnitev s strani Komisije
The Commission shall have the discretion to approve or reject the proposed Monitoring Trustees and to approve the proposed mandate subject to any modifications it deems necessary for the Monitoring Trustee to fulfil its obligations.
Komisija ima pravico, da odobri ali zavrne predlagane skrbnike spremljanja in odobri predlagana pooblastila ob upoštevanju morebitnih sprememb, za katere meni, da so nujne za izpolnjevanje obveznosti skrbnika spremljanja.
The Monitoring Trustee shall be appointed within one week of the Commission’s approval, in accordance with the mandate approved by the Commission.
Skrbnik spremljanja je imenovan v enem tednu po odobritvi Komisije v skladu s pooblastili, ki jih je Komisija odobrila.
New proposal by the Irish authorities
Novi predlog irskih organov
If all the proposed Monitoring Trustees are rejected, the Irish authorities shall, within one week of being informed of the rejection, submit the names of at least two other persons or institutions, in accordance with the conditions and according to the procedure in paragraphs 1 and 5.
Če so vsi predlagani skrbniki spremljanja zavrnjeni, irski organi v enem tednu od prejema obvestila o zavrnitvi predložijo imena najmanj dveh drugih oseb ali institucij v skladu s pogoji in ob upoštevanju postopka iz odstavkov 1 in 5.
Monitoring Trustee nominated by the Commission
Skrbnik spremljanja, ki ga imenuje Komisija
If all further proposed Monitoring Trustees are also rejected by the Commission, the Commission shall nominate a Monitoring Trustee(s), whom the merged entity shall appoint in accordance with a trustee mandate approved by the Commission.
Če Komisija zavrne tudi vse druge predlagane skrbnike spremljanja, imenuje skrbnika(-e) spremljanja, ki ga/jih združeni subjekt določi v skladu s pooblastili skrbnika, odobrenimi s strani Komisije.
The duties of the Monitoring Trustee
Dolžnosti skrbnika spremljanja
It shall be the duty of the Monitoring Trustee to ensure compliance with the conditions and obligations attached to the Decision and guarantee implementation of the restructuring and work-out plan.
Dolžnost skrbnika spremljanja je zagotoviti skladnost s pogoji in obveznostmi, ki izhajajo iz tega sklepa, ter izvajanje načrta prestrukturiranja in reševanja.
Duties and obligations of the Monitoring Trustee
Dolžnosti in obveznosti skrbnika spremljanja
The Monitoring Trustee shall:
Skrbnik spremljanja:
propose to the Commission within four weeks of appointment a detailed work plan describing how it plans to monitor compliance with the commitments towards the Commission and implementation of the restructuring and work-out plan;
Komisiji v štirih tednih od imenovanja predlaga podroben delovni načrt, v katerem je opisano, kako namerava spremljati skladnost z zavezami v odnosu do Komisije ter izvajanje načrta prestrukturiranja in reševanja;
monitor compliance with all commitments taken by the Irish authorities on behalf of the merged entity and implementation of the restructuring and work-out plan;
spremlja skladnost z vsemi zavezami, ki so jih prevzeli irski organi v imenu združenega subjekta, ter izvajanje načrta prestrukturirana in reševanja;
propose measures, which the Monitoring Trustee considers necessary to ensure compliance by the Irish authorities with all commitments towards the Commission;
predlaga ukrepe, za katere meni, da so potrebni za zagotovitev skladnosti irskih organov z vsemi zavezami v odnosu do Komisije;
submit to the Commission, the merged entity and the Irish authorities within 30 days after the end of each quarter the draft of a written report in English.
Komisiji, združenemu subjektu in irskim organom v 30 dneh po koncu vsakega četrtletja predloži osnutek pisnega poročila v angleškem jeziku.
The report shall cover the Monitoring Trustee’s fulfilment of its obligations under the Mandate, compliance with all commitments and the implementation of the restructuring and work-out plan.
To poročilo zajema izpolnjevanje obveznosti skrbnika spremljanja v okviru njegovih pooblastil, skladnost z vsemi zavezami ter izvajanje načrta prestrukturiranja in reševanja.
All recipients of the draft report shall be able to submit their observations within five working days.
Vsi prejemniki osnutka poročila lahko v petih delovnih dneh predložijo svoje pripombe.
Within five working days of receipt of the comments, the Monitoring Trustee shall prepare a final report and submit it to the Commission, taking into account, if possible and at his sole discretion, the comments submitted.
Skrbnik spremljanja v petih delovnih dneh od prejema pripomb pripravi končno poročilo in ga predloži Komisiji ob upoštevanju, če je mogoče in po lastni presoji, predloženih pripomb.
The Trustee will also send a copy of the final report to the Irish authorities and to the merged entity.
Skrbnik bo poslal kopijo končnega poročila tudi irskim organom in združenemu subjektu.
Should the draft report or the final report contain any information that must not be disclosed to the merged entity or the Irish authorities, the merged entity or the Irish authorities shall only be provided with a non-confidential version of the draft report or the final report.
Če osnutek poročila ali končno poročilo vsebujeta informacije, ki se ne smejo razkriti združenemu subjektu ali irskim organom, bodo združeni subjekt ali irski organi prejeli samo nezaupno različico osnutka poročila ali končnega poročila.
The Monitoring Trustee shall submit no version of the report to the merged entity and/or the Irish authorities before submitting it to the Commission.
Skrbnik spremljanja ne sme predložiti nobene različice poročila združenemu subjektu in/ali irskim organom, dokler je ne predloži Komisiji.
The Commission can give the Monitoring Trustee instructions or directions in order to ensure that the commitments towards the Commission are met and the restructuring and work out plan implemented.
Komisija lahko skrbniku spremljanja da navodila ali usmeritve, da se zagotovi izpolnjevanje zavez v odnosu do Komisije ter izvajanje načrta prestrukturiranja in reševanja.
The Irish authorities and the merged entity shall provide for all such cooperation, support and information which the Monitoring Trustee may reasonably require in order to perform its tasks.
Irski organi in združeni subjekt zagotovijo vse potrebno sodelovanje, podporo in informacije, ki jih skrbnik spremljanja lahko upravičeno zahteva za opravljanje svojih nalog.
The Monitoring Trustee shall have unlimited access to the books, records, documents, managers and other staff members, to files, locations and technical information of the merged entity which are necessary in order to perform its tasks in accordance with the commitments.
Skrbnik spremljanja ima neomejen dostop do knjig, evidenc, dokumentov, vodstvenega in drugega osebja ter do datotek, lokacij in tehničnih informacij združenega subjekta, ki so potrebne za opravljanje njegovih nalog v skladu z zavezami.
The opening decision was published in the Official Journal of the European Union on 7 August 2010.
Odločitev o začetku postopka je bila objavljena v Uradnem listu Evropske unije7. avgusta 2010.
The Commission invited interested parties to submit their comments on the aid.
Komisija je zainteresirane strani pozvala, naj predložijo svoje pripombe o pomoči.
As at 31 December 2010, it had a balance sheet size of EUR 72,2 billion [14] and a loan book of EUR […] [15] billion. In terms of its business model, Anglo was a ‘monoline’ bank specialising in commercial real estate lending in three core markets: Ireland, the United Kingdom and the United States.
Njena bilančna vsota je na dan 31. decembra 2010 znašala 72,2 milijarde EUR [14], njen portfelj posojil pa […] [15] milijard EUR. Glede na njen poslovni model je bila banka Anglo „monolinijska“ banka, specializirana za posojila za poslovne nepremičnine na treh ključnih trgih: na Irskem, v Združenem kraljestvu in v ZDA.
Between 1984 and 2008, the Bank’s balance sheet grew at a compound growth rate of approximately 30 % per year, reaching a balance sheet of EUR […] billion in 2008. The loans-to-deposit ratio (hereinafter referred to as ‘LtD’) increased from 100 % pre-1990 to an average of 217 % in the period from 2008 to 2009.
V letih od 1984 do 2008 se je bilanca stanja banke povečevala s skupno letno stopnjo rasti okoli 30 % in v letu 2008 dosegla bilanco stanja […] milijard EUR. Razmerje med posojili in depoziti se je od 100 % pred letom 1990 povečalo na povprečno 217 % v letih od 2008 do 2009.
INBS
Banka INBS
INBS is a building society and had a balance sheet total of EUR 12,1 billion as at 31 December 2010. Before the financial crisis, it was the sixth-largest Irish financial institution in terms of balance sheet size.
Banka INBS je stanovanjska banka, katere bilančna vsota je na dan 31. decembra 2010 znašala 12,1 milijarde EUR. Pred finančno krizo je bila po obsegu bilančne vsote šesta največja irska finančna institucija.
The initial Anglo restructuring plan was notified to the Commission on 30 November 2009.
Prvotni načrt prestrukturiranja banke Anglo je bil Komisiji priglašen 30. novembra 2009.
A comprehensive description of the initial Anglo restructuring plan can be found in Section 2.4 of the opening decision, in which the Commission raised a number of doubts as to whether that plan complied with the conditions laid down in the Restructuring Communication [18].
Izčrpen opis prvotnega načrta prestrukturiranja je na voljo v oddelku 2.4 odločitve o začetku postopka, v katerem je Komisija izrazila številne pomisleke glede tega, ali navedeni načrt izpolnjuje pogoje iz sporočila o prestrukturiranju [18].
The restructuring plan for INBS was submitted to the Commission on 22 June 2010.
Načrt prestrukturiranja za banko INBS je bil Komisiji predložen 22. junija 2010.
In line with what was requested in the first INBS recapitalisation decision, the INBS restructuring plan explored several options for the bank: (i) restructuring and continuation of the business with a view to selling it around 2013; (ii) immediate wind-down; or (iii) gradual wind-down to be completed by 2020.
Kakor je bilo zahtevano v prvi odločitvi o dokapitalizaciji banke INBS je bilo v načrtu njenega prestrukturiranja raziskanih več možnosti za banko: (i) prestrukturiranje in nadaljevanje dejavnosti z namenom, da se banka proda okoli leta 2013, (ii) takojšnja likvidacija ali (iii) postopna likvidacija, ki bo dokončana do leta 2020.
The sale required the lowest amount of State support in addition to EUR 2,7 billion already provided by the State at the time the plan was submitted.
Prodaja bi zahtevala najnižji znesek državne podpore poleg 2,7 milijarde EUR, ki jih je država že zagotovila v času predložitve načrta.
A State guarantee on deposits and bonds still outstanding.
državno jamstvo za še neplačane vloge in obveznice.