natgillin/translations-raw huggingface dataset:
sufficient copies of the Material to be distributed hereunder shall be received by AIB from the Relevant Competitor by 17.00 five clear Business Days prior to the Mailing Date and the Material shall comply in all respects with all applicable laws, codes and practices.
VI – Naloge skrbnika spremljanja
Any dispute shall be referred to the Monitoring Trustee, who shall mediate a solution.
Skrbnik spremljanja prevzame svoje točno določene naloge za zagotovitev upoštevanja zavez.
In case no solution is found, the Monitoring Trustee will refer the matter to the Commission for resolution.
Komisija lahko na lastno pobudo ali na zahtevo skrbnika spremljanja ali družbe AIB skrbniku spremljanja da kakršna koli navodila ali napotke za zagotovitev skladnosti z zavezami, priloženimi končni odločitvi.
The following shall apply to the mailing undertaken by AIB:
VII – Dolžnosti in obveznosti skrbnika spremljanja
The mailings will be divided over six periods of 6 months, the first period starting on the date which is 3 months after the Date of the Final Decision.
Skrbnik spremljanja:
During these periods, Relevant Competitors may submit an application for a mailing to AIB.
v svojem prvem poročilu Komisiji predlaga podroben delovni načrt z opisom, kako namerava spremljati izpolnjevanje zavez, priloženih končni odločitvi;
Each Relevant Competitor is allowed to approach AIB once in each 6 month mailing period.
spremlja izpolnjevanje vseh zavez iz končne odločitve in skladnost s klavzulami 3 do 11 pogojev kreditiranja;
For each 6 month mailing period, the mailings shall be made on 3 predetermined dates (the ‘Mailing Dates’) taking into account the interest of the Relevant Competitors and the mailing schedule of AIB, provided that the Date of the Request by the Relevant Competitors is a reasonable number of days before the Mailing Dates to enable AIB to prepare for such voluminous mailings respectively for each of the Mailing Dates (and such requests to be received by AIB no later than 17.00 (Dublin time) on the relevant Date of the Request).
prevzame druge funkcije, ki so za skrbnika spremljanja določene v zavezah, priloženih končni odločitvi;
AIB will ensure that the Mailing Dates are made public on AIB's website in advance, in order to allow interested Relevant Competitors a reasonable time to prepare an application.
v 15 dneh po koncu vsakega četrtletja Komisiji predloži pisno poročilo, družbi AIB pa hkrati pošlje nezaupno različico poročila.
For the purposes of the mailing, AIB shall randomly select, at the request of the Relevant Competitor, up to one-third of its customer base for each mailing taking place in the first 6 month mailing period; such customer base being AIB's customers for the Relevant Product to be advertised by the Relevant Competitor in that mailing, limited solely to those AIB customers who have provided their consent to receive marketing information from AIB.
Poročilo zajema izvajanje in upravljanje klavzul 3 do 11 pogojev kreditiranja, da lahko Komisija oceni, ali poslovanje poteka v skladu z zavezami.
AIB will select a different third of its customer base in the second 6 month mailing period and the final third of its customer base in the third period.
Poleg teh poročil skrbnik spremljanja nemudoma pisno poroča Komisiji, družbi AIB pa hkrati pošlje nezaupno različico poročila, kadar utemeljeno sklepa, da družba AIB ne izpolnjuje zavez, ki jih je sprejela Irska.
The same process will be repeated in the successive three 6 month mailing periods.
VIII – Dolžnosti in obveznosti družbe AIB
The Monitoring Trustee will verify the selection of the customers by AIB.
Irska se zavezuje, da bo družba AIB skrbniku spremljanja zagotovila kakršno koli sodelovanje, pomoč in informacije, ki jih bo ta utemeljeno potreboval za opravljanje svojih nalog, in da bo k temu zavezala tudi svoje svetovalce.
At the request of the Relevant Competitor, the number of customers contacted during a 6 month mailing period may be reduced, on the basis of filtering criteria that can be easily implemented by AIB (meaning the instruments necessary to conduct this filtering are readily available to AIB, or are easily com putable in AIB).
Skrbnik spremljanja ima neomejen in popoln dostop do vseh portfeljev, evidenc, dokumentov, vodstva in drugega osebja, objektov, prostorov in tehničnih informacij družbe AIB, ki jih potrebuje za izpolnjevanje svojih nalog v okviru zavez, družba AIB pa mu na njegovo zahtevo zagotovi izvode katerega koli dokumenta.
In accordance with Irish data protection law, no customer shall be sent material where the customer has not given consent to AIB to receive similar AIB materials.
Družba AIB bo dala skrbniku spremljanja na voljo eno ali več pisarn v svojih prostorih in bo na voljo za sestanke, da mu bo lahko zagotovila vse informacije, ki jih ta potrebuje za opravljanje svojih nalog.
In the interests of ensuring that consumers are not inundated unreasonably with advertising literature and in order to maximise the chances of the Material supplied by Relevant Competitors being read, the Material of no more than two Relevant Competitors per Relevant Product will be mailed on each Mailing Date by AIB in each of the 6 month mailing periods as part of this Measure.
Irska se zavezuje, da bo družba AIB skrbniku spremljanja zagotovila vso vodstveno in upravno podporo, ki jo bo ta utemeljeno zahteval.
For the avoidance of doubt, the unused mailing opportunities shall be forfeited and not carried forward.
Irska se zavezuje, da bo družba AIB skrbniku spremljanja ter njegovim zaposlenim in zastopnikom (v nadaljnjem besedilu: oškodovane stranke) poravnala škodo in jih odvezala odgovornosti za škodo, in s tem potrjuje, da oškodovane stranke ne prevzemajo nobene odgovornosti do družbe AIB za morebitne obveznosti, nastale zaradi opravljanja nalog skrbnika spremljanja na podlagi zavez, razen če so te obveznosti nastale zaradi namernega neizpolnjevanja obveznosti, malomarnosti, hude malomarnosti ali delovanja v slabi veri skrbnika spremljanja, njegovih zaposlenih, zastopnikov ali svetovalcev.
The mailing will be managed, processed and completed by AIB (or its agent) on behalf of, and for the account of, the Relevant Competitor without any input or involvement of the Relevant Competitor.
Skrbnik spremljanja lahko na stroške družbe AIB imenuje svetovalce (zlasti za storitve finančnega svetovanja ali pravne nasvete), ki jih ta družba odobri (ta odobritev ne sme biti nerazumno zadržana ali odložena), če skrbnik spremljanja meni, da je imenovanje takšnih svetovalcev potrebno ali ustrezno za izvajanje nalog in obveznosti v okviru mandata, pri čemer so morebitni honorarji in drugi stroški, ki jih ima, razumni.
For the avoidance of doubt, the Relevant Competitor shall not have access to the names and addresses or other details of AIB's customer base.
Če družba AIB zavrne odobritev svetovalcev, ki jih je predlagal skrbnik spremljanja, lahko te svetovalce po zaslišanju družbe AIB odobri Komisija.
AIB shall be obliged to send Material on behalf of no more than two Relevant Competitors per Relevant Product on each Mailing Date and those two Relevant Competitors per Relevant Product shall be selected in the order in which they apply to AIB or, in the event of more than two Relevant Competitors per Relevant Product applying simultaneously for each Mailing Date, then the two Relevant Competitors per Relevant Product will be selected by lot by the Monitoring Trustee.
Samo skrbnik spremljanja ima pravico dajanja navodil svetovalcem.
In order for an application to be valid, the Relevant Competitor must qualify as a Relevant Competitor on the Date of the Request and have satisfied all of the conditions set out in Clause 11.5.1.
IX – Zamenjava, razrešitev in ponovno imenovanje skrbnika spremljanja
AIB will notify the Relevant Competitor in writing whether it has been successful in its application and that its Material is going to be mailed by AIB.
Če skrbnik spremljanja preneha opravljati svoje naloge v okviru zavez ali iz kakršnega koli drugega tehtnega razloga, vključno z izpostavljenostjo nasprotju interesov:
A Relevant Competitor may request Material to be mailed in respect of one or more Relevant Products but no other products.
lahko Komisija po zaslišanju skrbnika spremljanja od družbe AIB zahteva, da skrbnika spremljanja zamenja, ali
Furthermore, the Relevant Competitor may point out the possibility for customers to fully or partially switch their banking relationship and make general references to other banking products.
lahko družba AIB na podlagi predhodne odobritve Komisije zamenja skrbnika spremljanja.
A request will be otherwise valid notwithstanding that it has requested the benefit of this Customer Mobility Measure where AIB has less than 30 % Market Share in relation to a Relevant Product provided the request also seeks a mailing in respect of those Relevant Products where AIB has a Market Share of more than 30 %.
Če je skrbnik spremljanja odstavljen v skladu z odstavkom 13, se lahko od njega zahteva, da nadaljuje svoje naloge do prihoda novega skrbnika spremljanja, ki mu sam izroči vse pomembne informacije.
If the marketing materials received from the Relevant Competitor include materials for products other than the Relevant Products (except for general references to fully or partly switching their banking relationship and general references to other banking products), then AIB shall not be obliged to mail such materials but will notify the Relevant Competitor of its decision, where practicable and possible, in a timely manner to afford the Relevant Competitor the opportunity to re-submit amended materials.
Novi skrbnik spremljanja je imenovan v skladu s postopkom iz odstavkov 3 do 6.
Any dispute in this regard shall be referred to the Monitoring Trustee, who shall mediate a solution.
Če skrbnik spremljanja ni odstavljen v skladu z odstavkom 13, preneha opravljati funkcijo skrbnika spremljanja šele, ko ga Komisija razreši opravljanja nalog, potem ko je izpolnil vse zaveze, ki so mu bile naložene.
AIB will be under no obligation to mail the resubmitted materials unless they are received by 17.00 five clear Business Days prior to the Mailing Date and provided that such resubmitted materials are in compliance with the terms of this Clause 11.5.5.
Vendar lahko Komisija kadar koli zahteva ponovno imenovanje skrbnika spremljanja, če se naknadno ugotovi, da ustrezni ukrepi niso bili v celoti in pravilno izvedeni.
For each Relevant Product subject to a mailing, AIB commits:
Priporočilo Komisije 2003/361/ES z dne 6. maja 2003 o definiciji mikro, malih in srednje velikih podjetij (UL L 124, 20.5.2003, str.
not to contact that customer for an additional 1 year with advertising literature relating to that Relevant Product, if such a customer switches to the Relevant Competitor under this Measure and AIB knows that such a customer has switched; and
Družba AIB
not to contact that customer during the additional 1 year referred to in Clause 11.5.6.2 with any advertising literature which is specifically designed to recapture customers to the Relevant Product switched.
Družba EBS
For the avoidance of doubt, AIB shall remain free to contact such customers for regulatory reasons and as part of any initiative reasonably necessary to advise customers and others of issues such as fraud, criminal acts (e.g. forged banknotes or bank robberies, changes in terms and conditions in products) or greater exposure to risk.
V oddelku II.1 sklepa Komisije o prvi dokapitalizaciji banke z dne 12. maja 2009 [13] je naveden podroben opis družbe AIB.
AIB commits that in case an AIB customer pursuant to the mailing of the Materials of the Relevant Competitor decides to switch part or all of its business (including both Relevant Products and other products) to the Relevant Competitor, AIB will not impede the switching in any way, nor charge any (penal) switching fees unless required by law or legal obligation or which are part of AIB's product terms and conditions.
Spodaj sledi kratek povzetek.
In case there is reasonable doubt regarding the Market Share of a Relevant Competitor the Relevant Competitor in question shall provide, on a strictly confidential basis, to the Monitoring Trustee such information, as may reasonably be required by the Monitoring Trustee to establish the Relevant Competitor's market share in the Relevant Product market, failing which, the Relevant Competitor shall not be entitled to avail of the Customer Mobility Package for that Relevant Product.
V oddelku 2.1.2 sklepa Komisije o nujni dokapitalizaciji družb EBS in AIB z dne 15. julija 2011 [14] je naveden podroben opis družbe EBS.
SCHEDULE: MONITORING TRUSTEE
V naslednjih uvodnih izjavah sledi kratek povzetek.
In this Schedule, the capitalised terms have the same meaning as provided in Clause 1 above.
V obdobju pred finančno krizo je bila družba EBS največja irska stanovanjska zadruga in osma največja finančna institucija, ki posluje na Irskem, njeno skupno premoženje pa je leta 2009 znašalo 21,5 milijarde EUR.
I — Appointment Procedure
Stanovanjske zadruge so vzajemne organizacije, ki nimajo delničarjev, ampak so v lasti članov zadruge, ki so tudi njene stranke.
Ireland commits that AIB will appoint a Monitoring Trustee to carry out the functions specified in the commitments for a Monitoring Trustee.
Proti koncu leta 2012 je družba AIB začela organizacijo svoje notranje strukture kot modela, ki je bolj osredotočen na stranke in ki zajema naslednje ključne elemente: osrednjo domačo banko, družbo AIB UK in skupino za finančne rešitve.
The Monitoring Trustee shall be independent of AIB, possess the necessary qualifications to carry out its mandate, for example as an investment bank or consultant or auditor, and shall neither have nor become exposed to a conflict of interest.
Z absolutnega vidika so se posojila družbe AIB za nepremičnine in gradbeništvo med letoma 2002 in 2006 povečala za 336 %, izpostavljenost družbe temu sektorju pa se je z 19 % leta 2002 povečala na 36 % leta 2008.
The Monitoring Trustee shall be remunerated by AIB in a way that does not impede the independent and effective fulfilment of its mandate.
Irski organi so 28. septembra 2012 predložili načrt prestrukturiranja banke, ki je zajemal obdobje 2012–2015.
II — Proposal by AIB
Irski organi so ta načrt večkrat spremenili in dopolnili, zato je bilo obdobje prestrukturiranja sčasoma spremenjeno, tako da je zajemalo obdobje 2014–2017.
Ireland commits that no later than 2 weeks after the Date of the Final Decision, AIB will submit a list of two or more persons whom AIB proposes to appoint as the Monitoring Trustee to the Commission for approval, with an indication which of those is AIB's preferred choice.
Banka postopno ponovno pridobiva dostop do veleprodajnega trga.
The proposal shall contain sufficient information for the Commission to verify that the proposed Monitoring Trustee fulfils the requirements set out in paragraph 2 and shall include:
Januarja in septembra 2013 je banka izdala dve hipotekarni bančni obveznici, pri čemer je vrednost vsake znašala 500 milijonov EUR.
the full terms of the proposed mandate, which shall include all provisions necessary to enable the Monitoring Trustee to fulfil its duties under these commitments; and
Banka je oktobra 2013 uvedla listinjenje kartic za najem kredita za znesek 500 milijonov EUR, ki je bilo prvo takšno listinjenje, ki ga je kdaj koli uvedla irska banka.
the outline of a work plan which describes how the Monitoring Trustee intends to carry out its assigned tasks.
To je bil prvi nezajamčen prenos dolga banke od leta 2009.
III — Approval or rejection by the Commission
Banka je marca 2014 izdala sedemletno zavarovano obveznico v obliki s premoženjem kritih vrednostnih papirjev v vrednosti 500 milijonov EUR.
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.
To je referenčna javna obveznica v obliki s premoženjem kritih vrednostnih papirjev z najdaljšim rokom doslej, ki jo je družba AIB izdala od leta 2007.
If only one name is approved, AIB shall appoint or cause to be appointed, the individual or institution concerned as Monitoring Trustee, in accordance with the mandate approved by the Commission.
V načrtu prestrukturiranja so določeni številni ukrepi za izboljšanje neto obrestne marže, razen stroškov jamstev za upravičene obveznosti, in sicer z 1,22 % leta 2012 na [1,5–2,25 %] leta 2017.
If more than one name is approved, AIB shall be free to choose the Monitoring Trustee to be appointed from among the names approved.
Ti ukrepi vključujejo nova posojila v višini [20–30] milijard EUR v obdobju 2014–2017 z višjimi obrestnimi merami, dodatno izboljšanje cen posojil v preteklem portfelju [43] in dodatno znižanje stroškov depozitnih produktov do leta 2015 (glej preglednico 6).
The Monitoring Trustee shall be appointed within 1 week of the Commission's approval, in accordance with the mandate approved by the Commission.
Da bi banka dosegla trajnostne poslovne prihodke pred rezervacijami, namerava dodatno znižati svoje operativne stroške, in sicer z 1,8 milijarde EUR leta 2012 na [1,0–1,5] milijarde EUR leta 2015 in na [1,0–1,5] milijarde leta 2017.
V — Monitoring Trustee nominated by the Commission
Poleg tega so irski organi predložili informacije, da bo irska centralna banka v kratkem zmanjšala minimalne regulativne kapitalske zahteve [46] z 10,5 % na […] %, s čimer se bo kapitalska rezerva banke leta 2014 povečala za [0–5] milijard EUR brez kakršnih koli drugih sprememb.
If all further proposed Monitoring Trustees are rejected by the Commission, the Commission shall nominate a Monitoring Trustee, whom AIB shall appoint, or cause to be appointed, in accordance with a trustee mandate approved by the Commission.
Cilj 10,5 %, ki ga je irska centralna banka določila novembra 2010 v okviru ukrepa PCAR, se tako ne bo več upošteval.
VI — Functions of the Monitoring Trustee
Vključuje rezultate ocene bilance stanja in zaradi preudarnosti ne upošteva učinka načrtovane uporabe novih in posodobljenih modelov IRB, ki jih mora irska centralna banka še odobriti [51].
The Monitoring Trustee shall assume its specified duties in order to ensure compliance with the commitments.
Pri tej oceni je bila opredeljena dodatna potreba po rezervacijah v znesku 1,1 milijarde EUR, osnovni scenarij pa je vključeval le […] milijarde EUR.
The Commission may, on its own initiative or at the request of the Monitoring Trustee or AIB, give any orders or instructions to the Monitoring Trustee in order to ensure compliance with the commitments attached to the Final Decision.
To pomeni, da so rezervacije v alternativnem osnovnem scenariju za […] milijard EUR višje kot v osnovnem scenariju iz leta 2013, poleg tega pa osnovni scenarij določa bolj linearno približevanje stanju pred krizo.
VII — Duties and obligations of the Monitoring Trustee
Ob upoštevanju 8-odstotne minimalne regulativne kapitalske zahteve bo kapitalska rezerva banke leta 2014 predvidoma znašala približno [2–6] milijard EUR, leta 2017 pa [2–6] milijard EUR.
The Monitoring Trustee shall:
Ob upoštevanju instrumentov pogojnega kapitala bi kapitalska rezerva z 8-odstotnimi kapitalskimi zahtevami leta 2014 znašala [3–8] milijard EUR (s 5,5-odstotnim pragom kapitala pa [3–8] milijard EUR).
propose in its first report to the Commission a detailed work plan describing how it intends to monitor compliance with the commitments attached to the Final Decision;
Donosnost lastniškega kapitala
monitor the compliance with all the commitments of the Final Decision and with Clauses 3 to 11 of the Term Sheet;
V neugodnem scenariju, ki ga je predložila banka, se bo BDP na Irskem predvidoma povečal za 1 % leta 2014, 1,5 % leta 2015, 2,2 % leta 2016 in 2,2 % leta 2017.
In addition to these reports, the Monitoring Trustee shall promptly report in writing to the Commission, sending AIB a non-confidential copy at the same time, if it concludes on reasonable grounds that AIB is failing to comply with the commitments assumed by Ireland.
Predvideno je, da se bodo poslovni prihodki pred rezervacijami z [0–1] milijarde EUR leta 2014 povečali na [0,75–1,75] milijarde EUR leta 2017.
VIII — Duties and obligations of AIB
V neugodnem scenariju bo banka predvidoma ponovno postala dobičkonosna v obdobju [2014–2016], pri čemer bo njen dobiček pred obdavčitvijo znašal [0–750] milijonov EUR.
Ireland commits that AIB will provide and cause its advisors to provide the Monitoring Trustee with all such cooperation, assistance and information as the Monitoring Trustee may reasonably require to perform its tasks.
Glede na neugoden scenarij bodo deleži navadnega lastniškega temeljnega kapitala banke predvidoma znašali [10–20] % leta 2014, [10–20] % leta 2015, [10–20] % leta 2016 in [10–20] % leta 2017.
The Monitoring Trustee shall have full and complete access to any of AIB's books, records, documents, management or other personnel, facilities, sites and technical information necessary for fulfilling its duties under the commitments and AIB shall provide the Monitoring Trustee upon request with copies of any document.
To bi ob upoštevanju 8-odstotne minimalne regulativne kapitalske zahteve pomenilo kapitalsko rezervo v znesku [3–8] milijard EUR leta 2014, [3–8] milijard EUR leta 2015, [3–8] milijard EUR leta 2016 in [3–8] milijard EUR leta 2017.
AIB shall make available to the Monitoring Trustee one or more offices on their premises and shall be available for meetings in order to provide the Monitoring Trustee with all information necessary for the performance of its tasks.
Pred koncem obdobja prestrukturiranja bo banka začela odplačevati državno pomoč z izplačili dividend ali drugače, če bo njen presežni kapital vsaj za 1–4 % presegal regulativni minimalni delež navadnega lastniškega temeljnega kapitala (na podlagi celovitega izvajanja pravil Basel III), kot ga je irska centralna banka določila 31. decembra 2016.
Ireland commits that AIB will provide the Monitoring Trustee with all managerial and administrative support that it may reasonably request.
Vrnjeni znesek bo enak vsoti presežka nad regulativnim minimalnim deležem navadnega lastniškega temeljnega kapitala in 1–4 %.
Only the Monitoring Trustee shall be entitled to issue instructions to the advisors.
Tako bo donosnost lastniškega kapitala ostala nizka do konca obdobja prestrukturiranja, saj bo leta 2017 dosegla le [5–15] %.
IX — Replacement, discharge and reappointment of the Monitoring Trustee
Komisija kljub temu meni, da je banka na pravi poti za vzpostavitev konkurenčnejših stopenj donosnosti lastniškega kapitala/dobičkonosnosti v prihodnje, saj bodo nova posojila z višjimi maržami in posojila (iz preteklega portfelja) po novih cenah postopno uravnotežila zastoj dobičkonosnosti zaradi preostanka sredstev z nizkim donosom.
If the Monitoring Trustee ceases to perform its functions under the commitments or for any other good cause, including the exposure of the Monitoring Trustee to a conflict of interest:
Kar zadeva imetnike podrejenega dolga, je bilo med letoma 2009 in 2011 izvedenih več ukrepov upravljanja obveznosti/ponovnih odkupov dolga, ki so prispevali 5,4 milijarde EUR temeljnega kapitala prvega reda (ponovni odkup instrumentov prvega in drugega reda).
the Commission may, after hearing the Monitoring Trustee, require AIB to replace the Monitoring Trustee; or
Poleg tega se za preferenčne delnice uporablja 25-odstotno povišanje, če jih banka ne odkupi do 13. maja 2014.
AIB, with the prior approval of the Commission, may replace the Monitoring Trustee.
Po mnenju Komisije je to nadomestilo ustrezno, čeprav je ob upoštevanju težav družbe AIB/banke nizko [66].
If the Monitoring Trustee is removed according to paragraph 13, the Monitoring Trustee may be required to continue in its function until a new Monitoring Trustee is in place to whom the Monitoring Trustee has effected a full hand over of all relevant information.
Preudarni pregled ocene temeljnega kapitala in preudarni pregled ocene likvidnosti.
The new Monitoring Trustee shall be appointed in accordance with the procedure referred to in paragraphs 3-6.
Podrobno sta opisana v uvodnih izjavah 25 do 31 Sklepa Komisije v zadevi SA.33296.