natgillin/translations-raw huggingface dataset:
Those distribution channels cumulatively provide access to over 2,5 million Nationale Nederlanden customers.
Navedeni distribucijski kanali bodo skupno zagotovili dostop za več kot 2,5 milijona strank Nationale Nederlanden.
The projected balance sheet of NN Bank according to the NN Bank business plan provided on 11 July 2012 is the following:
Predvidena bilanca banke NN Bank v skladu s poslovnim načrtom banke NN Bank, predloženim 11. julija 2012, je naslednja:
NN Bank business plan (in EUR million)
Poslovni načrt banke NN Bank (v milijonih EUR)
Mortgages
Hipotekarna posojila
Consumer Finance
Potrošniško financiranje
Cash and cash equivalents
Denarna sredstva in njihovi ustrezniki
Customer deposits
Vloge strank
Saving deposits
Hranilne vloge
Company savings/levensloop
Prihranki družbe/Levensloop
Bank annuities - Mortgage
Bančne rente – hipotekarno posojilo
Bank annuities - Lijfrente
Bančne rente – Lijfrente
Wholesale Funding
Financiranje za podjetja
ING Bank Funding
Financiranje ING Bank
Capital Markets
Kapitalski trgi
RWA's
Tveganju prilagojena aktiva
Tier-1 Ratio
Kapital prvega reda
The new business case of the Van Gogh scenario, including the additional commitments, projects to have a return on equity ("RoE") after five years of around [7-12] %, while in the long-run the RoE grows to a range of [9-15] %.
Novi poslovni primer scenarija Van Gogh, vključno z dodatnimi zavezami, bo imel po napovedih po petih letih kapitalski donos v višini približno [7–12] %, dolgoročni kapitalski donos pa se bo povečal v razponu [9–5] %.
Production target in key products
Cilj prometa za ključne produkte
transfer individual client relationships through a transfer of mortgages to NN Bank (based on individual offers to mortgage clients of ING Bank [30] [31]; and
prenos odnosov s posameznimi strankami prek prenosa hipotekarnih posojil na banko NN Bank (na podlagi posameznih ponudb strankam s hipotekarnimi posojili pri banki ING Bank) [30], [31],
transfer ownership of those mortgages at no additional charge for the client or charge for NN Bank; and
prenos lastništva navedenih hipotekarnih posojil brez dodatnih stroškov za stranko ali banko NN Bank in
allow NN Bank to use the ING Bank distribution channels to offer NN Bank mortgages to ING Bank clients to achieve the targets.
omogočiti banki NN Bank uporabo distribucijskih kanalov banke ING Bank, da se hipotekarna posojila banke NN Bank ponudijo strankam banke ING Bank, da se dosežejo cilji.
Consumer lending
Potrošniško kreditiranje
transfer individual client relationships through a transfer of a consumer lending client portfolio of ING Bank Netherlands [33] to NN Bank [34]; and
prenos odnosov s posameznimi strankami prek prenosa portfelja stranke s potrošniškim kreditiranjem nizozemske banke ING Bank [33] na banko NN Bank [34] in
transfer ownership of those consumer loans at no additional charge for the client or charge for NN Bank.
prenos lastništva navedenih potrošniških posojil brez dodatnih stroškov za stranko ali banko NN Bank.
Payment facility
Način plačila
ING commits to include a payment facility to NN Bank in the form of an NN-branded credit-card at a cost to the consumer not higher than that of a debit card.
ING se zavezuje, da bo v banko NN Bank vključila način plačila v obliki kreditne kartice z oznako NN na stroške potrošnika, ki ne bodo presegali stroškov za bančno plačilno kartico.
With regard to the NN-branded credit-card holders, ING will provide access free of charge to its automated teller machines ("ATMs") for three years after the launch of that credit-card and ultimately until 31 December 2015.
Imetnikom kreditne kartice z oznako NN bo ING zagotovila brezplačen dostop do svojih bankomatov še tri leta po tem, ko je bila kreditna kartica dana v obtok in najpozneje do 31. decembra 2015.
ING will send a marketing mailing with regard to NN Bank to 350000 of its clients in accordance with Dutch privacy law.
ING bo poslala dopise o trgovanju v zvezi z banko NN Bank svojim 350000 strankam v skladu z nizozemskimi zakoni o zasebnosti.
ING will be allowed to explain to its clients that the mailing is being made in order for ING to comply with UnionStateaid rules.
ING bo svojim strankam lahko pojasnila, da so dopisi poslani zato, da ING izpolnjuje s pravila Unije glede državne pomoči.
Linked ban
Povezana prepoved
ING commits that ING Bank’s yearly mortgage production (excluding renewals) will not be higher than [2-4] times the new production of NN Bank.
ING se zavezuje, da banka ING Bank na leto ne bo izdala več kot [2–4]-krat več hipotekarnih posojil (brez obnovitev), kot jih na novo izda banka NN Bank.
On a quarterly basis ING’s new production cannot exceed [2,5-5] times NN Bank’s new production in the same quarter and [2,25-4,5] times NN Bank’s new production on a half-year basis.
ING v četrtletju ne sme na novo izdati več kot [2,5–5]-krat več hipotekarnih posojil, kot jih na novo izda banka NN Bank v istem četrtletju in ne več kot [2,25–4,5]-krat več, kot jih banka NN Bank na novo izda vsake pol leta.
If NN Bank’s new production on a yearly basis exceeds EUR [2-8] billion, there are no restrictions on new production for ING Bank (meaning that if over one semester (half of a year) the new production of NN Bank exceeds EUR [1-4] billion, ING will not be constrained in the volume of its new production in the consecutive semester).
Če banka NN Bank vsako leto na novo izda hipotekarna posojila v vrednosti več kot [2–8] milijard EUR, za banko ING omejitve glede novega prometa ne veljajo (kar pomeni, da, če v enem semestru (polovici leta) banka NN Bank na novo izda hipotekarna posojila v vrednosti več kot [1–4] milijard EUR, ING nima omejenega obsega svojega novega prometa v naslednjem semestru).
The ratio of [2-4] times between ING's new production excluding renewals and NN Bank's new production is based on the figures shown in Figure 2 provided by the Netherlands.
[2–4]-kratno razmerje med novimi izdajami ING brez obnovitev in novimi izdajami banke NN Bank temelji na podatkih, prikazanih v sliki 2, ki jo je predložila Nizozemska.
From January 2011 to June 2012, the period for which the Netherlands provided data, the average annualised production was EUR [5-15] billion which, when it is divided by the EUR [1,5-6] billion per year (that is, the minimum production of NN Bank to which ING has committed), corresponds to the specified ratio.
V obdobju od januarja 2011 do junija 2012, za katerega je Nizozemska predložila podatke, so povprečne letne izdaje znašale [5–15] milijard EUR, kar ustreza navedenemu razmerju, če se delijo z [1,5–6] milijard EUR na leto (tj. najmanjša izdaja produktov banke NN Bank, h kateri se je zavezala ING).
New mortgage production by ING over 2011 and the first half of 2012
Nove izdaje hipotekarnih posojil ING v letu 2011 in prvi polovici leta 2012
Mortgages Netherlands: new production and renewals (excluding WUB mortgages)
Hipotekarna posojila na Nizozemskem: nove izdaje in obnovitve (brez hipotekarnih posojil WUB)
AMOUNTS × EUR 1 mln
ZNESKI x 1 milijon EUR
mrt-11
mar.11
mei-11
maj.11
sept-11
sep.11
new production
Nove izdaje
renewals
Obnovitve
jan-12
jan.11
mrt-12
mar.12
mei-12
maj.12
NN Bank needs to provide new production data (new proposals, accepted proposals) and forecasts on a monthly basis to ING without any undue delay.
Banka NN Bank mora brez nepotrebnega odlašanja ING mesečno zagotavljati podatke o novih izdajah (novi predlogi, sprejeti predlogi) in napovedih.
Compliance with the cap will be measured on the basis of the production numbers published by the Kadaster [35].
Skladnost z omejitvijo se bo merila na podlagi številk izdaj, ki jih objavi Kadaster [35].
ING will report on progress on a quarterly basis.
ING bo o napredku poročala vsako četrtletje.
Self-funding commitment
Zaveza k samofinanciranju
NN Bank will be largely self-funded through retail savings and excess funding from the insurance business, complemented by external funding as needed.
Banka NN Bank se bo v veliki meri financirala sama prek varčevanja zasebnikov in presežnega financiranja iz zavarovalniškega poslovanja ter po potrebi z zunanjim financiranjem.
Nationale Nederlanden has access to funding and capital to enable growth and production of mortgages, which is a competitive advantage in current market conditions.
Nationale Nederlanden ima dostop do financiranja in kapitala za omogočanje rasti in izdaje hipotekarnih posojil, kar je konkurenčna prednost v sedanjih razmerah na trgu.
NN Bank needs to self‐fund its balance sheet.
Banka NN Bank mora samofinancirati svojo bilanco.
NN Bank’s funding profile will be in line with the projections of the balance sheet as proposed in the business case.
Profil financiranja banke NN Bank bo v skladu z napovedmi bilance, kot je predlagana v poslovnem načrtu.
ING will not increase its funding of NN Bank in absolute amounts beyond the amounts in the NN Bank business plan for each year and the maximum funding provided by ING in 2015 will be EUR 2,7 billion.
ING ne bo povečala svojega financiranja banke NN Bank v absolutnih zneskih, višjih od zneskov v poslovnem načrtu banke NN Bank za posamezno leto, pri čemer bo najvišje financiranje ING leta 2015 znašalo 2,7 milijarde EUR.
The funding provided by ING at the end of 2015 (with a maximum amount of EUR 2,7 billion) has to take the form of marketable securities, where ING can buy at market prices unsecured or secured notes, such as covered bonds or residential mortgage-backed securities ("RMBS").
Financiranje, ki ga je ING zagotovila za konec leta 2015 (z najvišjim zneskom v višini 2,7 milijarde EUR), mora imeti obliko tržnih vrednostnih papirjev, pri čemer lahko ING po tržnih cenah kupi nezavarovane in zavarovane obveznice, kot so krite obveznice ali vrednostni papirji, zavarovani s stanovanjsko hipoteko (v nadaljnjem besedilu: RMBS). Obveznice lahko poleg ING kupijo tudi drugi vlagatelji.
The notes can also be bought by investors other than ING. 100 % of the notes should have a tenor at issuance of five years or more, 66 % a tenor equal or longer than seven years and 33 % a tenor equal or longer than ten years.
100 % obveznic mora ob izdaji veljati pet let ali več, 66 % jih mora veljati sedem let ali več, 33 % pa deset let ali več.
The determination of an ‘arm's-length’ pricing will be either decided by the pricing of the security itself or, if ING is the only buyer of the security, by secondary market prices of comparable peers proposed by the Monitoring Trustee.
Določanje cen po tržnih cenah bo opredeljeno z določanjem cen vrednostnega papirja samega ali, če je ING njegov edini kupec, s cenami sekundarnega trga primerljivih družb, ki jih predlaga nadzorni fiduciar.
The funding amount of NN Bank (total deposits and wholesale funding) [36] will amount to at least 75 % in the first year, 80 % in the second year and 85 % in the third year (with a maximum wholesale funding of EUR [1-4] billion) versus the base case projections.
Znesek financiranja banke NN Bank (skupne vloge in financiranje za podjetja) [36] bo v primerjavi z napovedmi osnovnega scenarija v prvem letu znašal najmanj 75 %, v drugem letu 80 %, v tretjem letu pa 85 % (najvišji znesek financiranja za podjetja bo znašal [1–4] milijarde EUR).
If, due to material changes to the regulatory environment and/or market circumstances, the actual funding is below those ranges, as a result of which the balance sheet projections need to be updated, ING will report that fact to the Monitoring Trustee and the Commission.
Če je zaradi znatnih sprememb zakonodajnega okolja in/ali razmer na trgu dejansko financiranje manjše od navedenih obsegov, zaradi česar je treba posodobiti bilančne napovedi, bo ING o tem poročala nadzornemu fiduciarju in Komisiji.
The Monitoring Trustee in consultation with the Commission will propose which measures should be taken in order to safeguard the viability of NN Bank to be approved by Commission.
Nadzorni fiduciar bo po posvetovanju s Komisijo predlagal, katere ukrepe bi bilo treba sprejeti, da se ohrani sposobnost preživetja banke NN Bank, ki jih odobri Komisija.
ING’s level of funding will be reviewed on an annual basis starting from the launch of NN Bank, i.e. the moment from which the described NN Bank structure becomes operational, and until 31 December 2015.
Raven financiranja ING se bo pregledovala vsako leto, in sicer od vzpostavitve banke NN Bank, tj. od trenutka, ko opisana struktura banke NN Bank postane operativna, do 31. decembra 2015.
If the funding projections of the NN Bank business plan are not met by the end of each year, ING will take the following corrective measures described in Recitals (94) to (96).
Če napovedi financiranja iz poslovnega načrta banke NN Bank ob koncu posameznega leta ne bodo izpolnjene, bo ING sprejela popravljalne ukrepe, opisane v uvodnih izjavah od (94) do (96).
After the first year, ING will send a marketing mailing with regard to NN Bank to an additional 50000 ING clients if actual funding is under 80 % and an additional 100000 ING clients if actual funding is under 75 % of the base case projection of the first year.
Po prvem letu bo ING poslala dopise o trgovanju v zvezi z banko NN Bank dodatnim 50000 strankam ING, če bo dejansko financiranje manjše od 80 % napovedi osnovnega scenarija za prvo leto, ter dodatnim 100000 strankam ING, če bo dejansko financiranje manjše od 75 % navedene napovedi.
After the second year, ING will send a marketing mailing with regard to NN Bank to an additional 100000 ING clients if actual funding is under 85 % and 150000 additional ING clients if actual funding is under 80 % of the base case projection of the second year.
Po drugem letu bo ING poslala dopise o trgovanju v zvezi z banko NN Bank dodatnim 100000 strankam ING, če bo dejansko financiranje manjše od 85 % napovedi osnovnega scenarija za drugo leto, in dodatnim 150000 strankam ING, če bo dejansko financiranje manjše od 80 % navedene napovedi.
Mailings will be done in accordance with Dutch privacy law.
Dopisi bodo v skladu z nizozemskimi zakoni o zasebnosti.
ING will be allowed to explain to its clients that the mailing is required in order for ING to comply with UnionStateaid rules.
ING bo svojim strankam lahko pojasnila, da so dopisi poslani zato, da ING izpolnjuje pravila Unije glede državne pomoči.
After the first year, ING will provide an additional marketing budget to NN Bank of EUR 1 million if actual funding is under 80 %, and EUR 2 million if actual funding is under 75 %, of the base case projection of the first year.
Po prvem letu bo ING banki NN Bank zagotovila dodatni proračun za trženje v višini 1 milijon EUR, če bo dejansko financiranje manjše od 80 % napovedi osnovnega scenarija za prvo leto, in v višini 2 milijona EUR, če bo dejansko financiranje manjše od 75 % navedene napovedi.
After the second year, ING will provide an additional marketing budget to NN Bank of EUR 2 million if actual funding is under 85 %, and EUR 4 million if actual funding is under 80 %, of the base case projection of the second year.
Po drugem letu bo ING banki NN Bank zagotovila dodatni proračun za trženje v višini 2 milijona EUR, če bo dejansko financiranje manjše od 85 % napovedi osnovnega scenarija za drugo leto, in v višini 4 milijone EUR, če bo dejansko financiranje manjše od 80 % navedene napovedi.
After the third year, ING will provide an additional marketing budget to NN Bank of EUR 5 million if actual funding is under 85 %, and EUR 6 million if actual funding is under 80 %, of the base case projection of the third year.
Po tretjem letu bo ING banki NN Bank zagotovila dodatni proračun za trženje v višini 5 milijonov EUR, če bo dejansko financiranje manjše od 85 % napovedi osnovnega scenarija za tretje leto, in v višini 6 milijonov EUR, če bo dejansko financiranje manjše od 80 % navedene napovedi.
NN Bank will use those marketing budgets for new direct sales marketing [37].
Banka NN Bank bo dodatne proračune za trženje uporabila za novo trženje z neposredno prodajo [37].
If the actual funding of 2015 is under 85 % of the base case projection of 2015, ING will, in addition to the corrective measures described in Recitals (94) to (95), provide a two-year extension of free access to the ING ATMs for NN-branded credit-card holders (until 31 December 2017).
Če bo dejansko financiranje leta 2015 manjše od 85 % napovedi osnovnega scenarija za leto 2015, bo ING poleg popravljalnih ukrepov, opisanih v uvodnih izjavah od (94) do (95), imetnikom kreditnih kartic z oznako NN zagotovila dvoletno podaljšanje brezplačnega dostopa do bankomatov ING (do 31. decembra 2017).
The Commission will assess the commitments set out in Recitals (73) to (96) upon the divestment of more than 50 % of ING Insurance Europe or, as the case may be, of NN Bank or by 31 December 2015, whichever date comes earlier.
Komisija bo ocenila zaveze iz uvodnih izjav od (73) do (96) ob odsvojitvi več kot 50 % ING Insurance Europe oziroma banke NN Bank ali do 31. decembra 2015, pri čemer se upošteva zgodnejši datum.
The commitments will end on the date of the divestment of more than 50 % of ING Insurance Europe or, as the case may be, NN Bank, unless specified otherwise.
Če ni določeno drugače, bodo zaveze prenehale veljati na dan odsvojitve več kot 50 % ING Insurance Europe oziroma banke NN Bank.
The creation of NN Bank will be carried out under the supervision of the currently appointed Monitoring Trustee.
Ustanovitev banke NN Bank bo izvedena pod nadzorom trenutnega nadzornega fiduciarja.
ING will ring-fence NN Bank up to the divestment of more than 50 % of ING Insurance Europe, to be monitored by the Monitoring Trustee.
ING bo izvajala omejitvene ukrepe za banko NN Bank do odsvojitve več kot 50 % ING Insurance Europe, kar bo nadzoroval nadzorni fiduciar.
For the implementation of the ring-fencing, a leading design principle will be that it will allow NN Bank and NN Insurance to adequately execute an integrated commercial strategy between retail insurance and retail banking products & services.
Za izvajanje omejitvenih ukrepov bo glavno načelo zasnove, da se banki NN Bank in NN Insurance omogoči ustrezno izvajanje vključene komercialne strategije med produkti in storitvami s področja potrošniškega zavarovanja in bančnega poslovanja s prebivalstvom.
ING will refrain for an interim period up to and until 12 months after the divestment of NN Bank (divestment of more than 50 % of ING Insurance Europe and NN Bank) from actively soliciting customers of NN Bank for products that NN Bank is supplying to those customers on the date of the adoption of the present Decision.
ING se bo v vmesnem obdobju do največ 12 mesecev po odsvojitvi banke NN Bank (odsvojitev več kot 50 % ING Insurance Europe in banke NN Bank) vzdržala dejavnega pridobivanja strank banke NN Bank za nakup produktov, ki jih banka NN Bank zagotavlja tem strankam na datum sprejetja tega sklepa.
Capitalisation
Kapitalizacija
By executing NN Bank business plan, part of the existing mortgages portfolio of WUB will be retained by ING. The balance sheet of NN Bank will be modest at the start, to provide adequate matching of assets and liabilities and grow quickly to a mid-sized player.
Z izvrševanjem poslovnega načrta banke NN Bank bo ING zadržala del obstoječega portfelja hipotekarnih posojil banke WUB. Bilanca banke NN Bank bo sprva skromna, da se zagotovi ustrezno ujemanje sredstev in obveznosti ter da hitro postane srednje velik akter.
The capitalisation of NN Bank will be sufficient to execute its long-term growth plan: ING will transfer economic benefits of the ING-retained portfolio (EUR 350 million based on the net present value of the (economic) profits of that portfolio) as an upfront capital injection, and will provide additional capital (up to EUR 120 million) if and when needed but ultimately just before divestment (if Basel III leverage ratio becomes mandatory, and when NN Bank needs capital to execute its business plan).
Kapitalizacija banke NN Bank bo zadostna za izvršitev njenega načrta dolgoročne rasti: ING bo prenesla gospodarske koristi portfelja, ki ga je zadržala ING (350 milijonov EUR na podlagi neto sedanje vrednosti (gospodarskega) dobička tega portfelja), kot vnaprejšnjo kapitalsko injekcijo in bo zagotovila dodatni kapital (do 120 milijonov EUR), če in ko bo potrebno, najpozneje pa tik pred odsvojitvijo (če stopnja finančnega vzvoda Basel III postane obvezna in kadar banka NN Bank za izvrševanje svojega poslovnega načrta potrebuje kapital).
That planned evolution in capitalisation of NN Bank will ensure growth until about 2016, after which NN Bank will be able to fund its growth by itself.
Ta načrtovani razvoj v kapitalizaciji banke NN Bank bo zagotovil rast približno do leta 2016, nato pa bo banka NN Bank lahko sama financirala svojo rast.
In sum, ING will bear all expenses and risks of the retained mortgages portfolio (until maturity) and will transfer the profits to NN Bank.
ING bo torej krila vse stroške in tveganja zadržanega portfelja hipotekarnih posojil (do zapadlosti), dobičke pa prenesla na banko NN Bank.
ING commits that the minimum targeted Tier-one level of NN Bank will be 12 % (which is well above the regulatory minimum requirement) by the earliest of 31 December 2015 or upon divestment of more than 50 % of ING Insurance /IM Europe or, as the case may be, NN Bank.
ING se zavezuje, da bo najmanjša ciljna raven prvega reda banke NN Bank znašala 12 % (kar je precej več od najmanjše zakonske zahteve) vsaj do 31. decembra 2015 ali ob odsvojitvi več kot 50 % ING Insurance/IM Europe oziroma banke NN Bank.
Divestment commitment
Zaveza glede odsvojitve
ING will not have a restriction on organic growth (that is to say growth not related to acquisitions) of the balance sheet of its businesses.
ING ne bo imela omejene notranje rasti (tj. rasti, ki ni povezana s prevzemi) bilance 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 commercial mortgage-backed securities 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 [40], in line with ING’s general de-risking policy.
ING ne bo sprožila novih pobud, ki bi povečale njeno neposredno izpostavljenost na trgu nepremičnin [40], kar je v skladu s splošno politiko ING za zmanjševanje tveganj.
ING commits to divest more than 50 % of ING Insurance Asia operations before 31 December 2013, more than 50 % of ING Insurance US operations before 31 December 2014 and more than 50 % of ING Insurance Europe operations before 31 December 2015 [41], in addition to the entities/business activities which ING already has divested, placed in run-off or completed which are listed in Recital 77 of the 2012 Restructuring Decision and the latest bi-annual progress report [42].
ING se zavezuje, da bo odsvojila več kot 50 % podjetja ING Insurance Asia do 31. decembra 2013, več kot 50 % podjetja ING Insurance US do 31. decembra 2014 in več kot 50 % podjetja ING Insurance Europe do 31. decembra 2015 [41], poleg subjektov/poslovnih dejavnosti, ki jih je ING že odsvojila, zmanjšala njihov portfelj ali dokončala, ki so navedeni v uvodni izjavi 77 sklepa o prestrukturiranju iz leta 2012 in najnovejšem dvoletnem poročilu o napredku [42].
In addition, for the US Insurance business, ING commits to divest at least 25 % of the business before 31 December 2013 [43].
Poleg tega se v zvezi s podjetjem Insurance US ING zavezuje, da bo odsvojila najmanj 25 % podjetja pred 31. decembrom 2013 [43].
Divesting control of more than 50 % of ING’s interest (measured in shares) in a business qualifies as meeting the divestment requirement.
Odsvojitveni nadzor več kot 50 % deleža ING (izmerjenega v delnicah) v podjetju izpolnjuje odsvojitveno zahtevo.