natgillin/translations-raw huggingface dataset:
The beneficiary bank shall avoid engaging in aggressive commercial practices throughout the duration of the Restructuring Period.
Sklad bo v skladu z mednarodno najboljšo prakso upravljala banka ali tretja oseba z zadostnim strokovnim znanjem in ozaveščenostjo o naložbenih priložnostih.
Proprietary trading:
Naložbo v sklad mora predhodno odobriti portugalsko ministrstvo za finance v skladu z merili, opredeljenimi v ministrski odredbi, ki določa pogoje za dokapitalizacijo na podlagi nacionalnega prava, in bo v lasti banke CGD.
Portugal will ensure that CGD will not engage in any proprietary trading beyond the minimum necessary for the normal functioning of the treasury.
Sredstva, ki se v tak sklad ne prenesejo v okviru 12-mesečne zaveze, se prenesejo v portugalsko državno blagajno.
During the Restructuring Period, the total VAR limit of the financial assets held for trading will not exceed EUR [30-40] million.
Sklad se ne bo uporabljal kot mehanizem refinanciranja sedanjih posojil.
Advertising:
Naložbe, ki presegajo zgoraj navedeni znesek, mora predhodno odobriti Evropska komisija.
CGD must not use the granting of the aid measures or any advantages arising therefrom for advertising purposes.
Druga pravila ravnanja:
Assurances regarding corporate governance
banka CGD bo še naprej širila svoje dejavnosti spremljanja tveganja in izvajala poslovno politiko, ki je premišljena, zanesljiva in trajnostno usmerjena.
All members of the management bodies of CGD shall have the competences established in Articles 30 and 31 of the General Framework for Credit Institutions and Financial Companies, approved by Decree-Law 298/92, of 31 December, as amended, as well as in the EBA Guidelines on the assessment of the suitability of members of the management body and key function holders, of 22 November 2012 (EBA/GL/2012/06).
Skrbnik spremljanja
There should be no more than 20 board members.
Portugalska zagotovi, da bo pravilno izvajanje načrta prestrukturiranja ter popolno in pravilno izvajanje vseh zavez stalno spremljal neodvisen, ustrezno usposobljen skrbnik spremljanja.
CGD’s shareholder will aim to reduce that number to 16 at the end of the present board’s term of office.
Imenovanje, naloge, obveznosti in razrešitev skrbnika spremljanja morajo biti v skladu s postopki iz Dodatka I k temu sklepu.
Besides the committees established in CGD’s Articles of Incorporation (being the Executive Committee and Audit Committee) and the Strategy, Governance and Assessment Committee established by the Board of Directors and composed of non-executive directors, CGD is to appoint only the internal bodies which are necessary to assist in the management of the company, which shall be composed of members of the Executive Committee and, when appropriate, of CGD employees holding senior management positions in the relevant areas.
Portugalska in banka CGD zagotovita, da ima Komisija ali skrbnik spremljanja med izvajanjem Sklepa neomejen dostop do vseh informacij, potrebnih za spremljanje izvajanja Sklepa.
All of CGD’s decisions shall be taken on purely commercial grounds and all of Portugal’s interactions with CGD shall be on arm’s length terms.
Komisija ali skrbnik spremljanja lahko banko CGD zaprosi za razlago in pojasnila.
Portugal commits not to exert any influence on the day-to-day operational management of CGD nor on CGD’s internal rules regarding credit risk policies, pricing and lending.
Portugalska in banka CGD morata s Komisijo in skrbnikom spremljanja v celoti sodelovati pri vseh vprašanjih, povezanih s spremljanjem izvajanja Sklepa.
However, Portugal may issue guidelines regarding CGD’s strategic focus and other issues on the basis of the general terms of corporate law and the law of public enterprises (Decree-Law 558/99, of 17 December, as amended).
Banka CGD bo po razrešitvi skrbnika spremljanja ob koncu obdobja prestrukturiranja Komisiji vsako leto poročala o razvoju neključnih dejavnosti.
Portugal will not compromise the full independence of the Bank management with reference to credit risk and lending policies if consulted in relation to CGD’s business plans and plans for lending to specific sectors of the economy.
Portugalska zagotovi, da bo banka CGD pravočasno prodala sredstva zavarovalniške poslovne enote (ocenjena na […] milijard EUR) družbe Caixa Seguros.
The Credit Council, the Extended Credit Council, and the Audit Committee of CGD shall be put into a position to act fully independently, and all appointments to the Credit Council, the Extended Credit Council, and the Audit Committee respect that members of those bodies must be in a position to act independently and free of any conflict of interest.
Zato banka CGD dne […] imenuje upravitelja odprodaje, če najpozneje do […] ne sklene dokončne zavezujoče kupo-prodajne pogodbe.
CGD ensures that until 31 December 2013 at the latest its credit and risk policies will incorporate the principle that all customers are to be treated fairly through non-discriminatory procedures other than those related to credit risk and ability to pay, which is to be consistently applied within the group.
Portugalska zagotovi, da banka CGD proda svoje nestrateške deleže (delež v […], ki znaša [200–250] milijonov EUR).
The credit and risk policies will define the principles and thresholds above which the granting of loans must be approved by higher levels of management, the terms and conditions for the restructuring of loans, and the handling of claims and litigations.
Zato banka CGD dne […] imenuje upravitelja odprodaje, če najpozneje do […] ne izvede celotne odprodaje.
CGD ensures that until 31 December 2013 at the latest a specific section within the credit and risk policies will be devoted to the rules governing relations with connected borrowers (including employees, shareholders, directors, managers, as well as their spouses, children and siblings and any legal entity directly or indirectly controlled by any of those).
Upravitelj odprodaje je neodvisen od banke CGD ter deluje v imenu in po navodilih Generalnega direktorata za konkurenco, je ustrezno usposobljen za izvajanje svojih pooblastil (npr. kot investicijska banka ali svetovalec) in ne sme biti ali postati izpostavljen navzkrižju interesov.
In order to ensure CGD’s compliance with principles set out in point 6.5.1 to 6.5.7 the Trustee will be allowed to:
Banka CGD bo upravitelja odprodaje plačala tako, da to ne bo oviralo njegove neodvisnosti in učinkovitosti pri izvajanju pooblastil.
receive copies of all reports emanating from internal control bodies including the minutes of the meetings, and be entitled to interview, at its sole discretion, any controller or auditor, no matter his/her managerial responsibilities.
Računovodski parameter.
The Trustee shall ensure (i) that recommendations from permanent supervisors or periodic controllers/auditors are dully enforced and (ii) that action plans are implemented in order to correct any failure identified within the internal control framework.
Izključeni so španska poslovalnica in neključna sredstva, ki naj bi bila prenesena na špansko poslovalnico.
regularly monitor CGD’s commercial practices, with a focus on credit policy and deposit policy.
Izključene so samopostrežne poslovalnice, vključen pa je sedež družbe.
The Trustee shall review CGD’s policy toward the restructuring and provisioning of non-performing loans.
Na tradicionalnih območjih (Galicija, Extremadura, Castilla y León in Asturija) in v velikih mestih ter glavnih čezmejnih trgovinskih središčih (Madrid, Barcelona, País Vasco, Andaluzija, Aragónija in Valencija).
CGD shall communicate to the Trustee any risk report communicated to the Executive Board, or any analysis/review aimed at assessing the credit exposure of CGD.
Z 10-odstotnim dovoljenim odstopanjem.
The Trustee shall perform its own analysis and investigations, on the basis of the above-mentioned reports, interviews, and, if need be, the review of individual credit files.
Glej opombo 7.
In that regard, a full access to credit files is to be granted to the Trustee, who is entitled to interview credit analysts and risk officers when deemed appropriate.
Ovrednotena na dan 31. decembra 2012.
regularly monitor CGD’s management of claims and litigations.
Banka BPN je bila nacionalizirana leta 2008 in prodana leta 2011.
The Trustee shall ensure that claims and litigations are managed according to the procedures defined in the internal control framework of CGD, and that CGD complies with the industry best practices.
Čista sredstva bančne skupine so na dan 31. decembra 2012 (na podlagi računovodskega parametra) [5] skupaj znašala 116,9 milijarde EUR, neto portfelj posojil pa je na dan 31. decembra 2012 znašal 74,7 milijarde EUR.
The Trustee will identify corrective actions to implement in case of deficiencies in the current process.
Dejavnosti banke so med drugim komercialno bančništvo na Portugalskem, mednarodno komercialno bančništvo (zlasti v Španiji, portugalsko govorečih afriških državah, Macau in Braziliji), investicijsko bančništvo, upravljanje premoženja, specializirano kreditno poslovanje in zavarovalniške dejavnosti.
Remuneration of bodies and employees:
Preglednica 1
CGD shall verify the incentive effect and appropriateness of its remuneration systems and ensure that they do not result in exposure to undue risks, are oriented towards sustainable, long-term company objectives, and are transparent.
Glavni finančni podatki skupine CGD (na podlagi računovodskega parametra)
CGD as a financial institution shall establish and implement its policies on salary and compensation matters strictly in accordance with the rules set forth by the Portuguese Government in Decree-law 104/2007, of 3 April (which transposed the Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions) as amended by Decree-Law 88/2011, of 20 July, and with the rules established by the Portuguese Central Bank in Aviso 10/2011, of 29 December.
Bilančna vsota (v milijardah EUR)
Furthermore, CGD’s remuneration policy of the Board Members shall also be compliant with Decree-Law 71/2007 of 27 March, which establishes the regime of the statute of the Stated controlled companies’ board members.
prodati nestrateška sredstva ter (d) vlagateljem in nasprotnim strankam pokazati svoj kreditni ugled.
Likewise, CGD commits to ensure that the Bank complies with the rules and recommendations set out by the European Commission in this subject within the EU framework for State aid.
Kar zadeva solventnost, je bil delež navadnega lastniškega temeljnega kapitala banke CGD, izračunan v skladu s pravili Basel II, na dan 31. decembra 2011 9,48-odstoten.
In particular, CGD undertakes to restrict the total remuneration to any member of staff, including board members and senior management, to an appropriate level, including all possible fixed and variable components, comprising pensions and in line with Articles 92 and 93 of Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC.
Cilj finančnega in kapitalskega načrta je bil med drugim do 31. decembra 2012 doseči 10-odstotni delež navadnega lastniškega temeljnega kapitala na podlagi pravil Basel II, v skladu z zahtevami iz memoranduma o soglasju, podpisanega med portugalsko vlado na eni strani ter MDS, Komisijo in ECB na drugi.
Ban on dividend, coupon and interest payments:
Banka CGD si je za zmanjšanje finančnega vzvoda v svoji bilanci stanja prizadevala že pred dokapitalizacijo junija 2012.
CGD will not (and shall procure that none of its subsidiary undertakings shall) make any payments of dividends, coupons or interest to holders of preference shares and subordinated debt, in so far as those payments are not owed on the basis of contractual or legal obligations.
Od decembra 2010 do junija 2012 je svojo bilanco stanja zmanjšala za približno 8,2 milijarde EUR (računovodski parameter).
However, CGD shall be allowed to make payments (or allow its subsidiary undertakings to make payments) of dividend, coupons or interest to holders of preference shares or subordinated debt if it can prove that non-payment would hinder or prevent the repayment of the CoCos (or payment of coupons on the CoCos) that is described in section 5.
Prodaja zavarovalniške dejavnosti je pomemben element zmanjšanja finančnega vzvoda, saj k znižanju prispeva približno […] [9] milijard EUR.
Support of Portuguese SMEs:
Prodaja preostalih nestrateških deležev bo prispevala [0–5] milijard EUR, poplačilo dolga nekdanje banke Banco Português de Negócios (v nadaljnjem besedilu: BPN) [0–5] milijard EUR, likvidacija neključnih posojil v Španiji pa [0–5] milijard EUR.
In view of securing financing to and deleveraging of the real economy, CGD has committed to the Portuguese Government to allocate EUR 30 million per year to a fund that will invest in equity of Portuguese SMEs and mid-cap corporates.
Poleg tega bosta približno dve tretjini stranskega portfelja ([10–20] milijard EUR) likvidirani do konca leta 2017, preostanek stranskega portfelja pa bo likvidiran po tem letu.
The fund shall be managed according to international best practice by the Bank or a third party with sufficient expertise and awareness of investment opportunities.
Banka CGD bo prodala tudi vse svoje preostale nestrateške deleže v navedenih portugalskih podjetjih […], s čimer bo svojo bilanco stanja razdolžila za približno dodatnih [200–250] milijonov EUR.
The investment in the fund shall be subject to prior approval by the Portuguese Ministry of Finance according to the criteria defined in the Ministerial Order setting the terms for the recapitalization under national law and will be held by CGD.
Večino svojih nestrateških deležev je že prodala, s čimer je iztržila približno 450 milijonov EUR.
Any funds not transferred to such fund within 12 months of commitment shall be transferred to the Portuguese Treasury.
Banka CGD poleg tega namerava postopno likvidirati portfelj sredstev, ki izhaja iz dolga propadle banke BPN [10] z nominalno vrednostjo [0–5] milijard EUR in čisto vrednostjo sredstev v višini približno [0–5] milijard EUR.
The fund shall not be used as a refinancing mechanism for existing loans.
Glede na s tem povezan načrt poplačil se bo čista vrednost sredstev do konca leta 2017 znižala za [40–50] % na [0–5] milijarde EUR.
Any investment exceeding the above referred amount shall be subject to prior approval by the European Commission.
Zaprtje [70–80] poslovalnic na Portugalskem od junija 2012 do […] je del rednega postopka optimizacije, da se prevrednoti in racionalizira domača dejavnost banke CGD na področju poslovanja s prebivalstvom, in pričakuje se, da bo to omogočilo letne prihranke v višini [0–5] milijonov EUR.
Other rules of conduct:
58 poslovalnic je že zaprtih ali so v postopku zapiranja, preostalih [10–20] pa bo zaprtih do […].
CGD shall continue expansion of its risk monitoring operations and conduct a commercial policy that is prudent, sound and oriented towards sustainability.
Banka CGD je dejavnosti poslovanja s prebivalstvom v Španiji začela leta 1991, ko je kupila banki Banco de Extremadura in Chase Manhattan España, leta 1995 pa še banko Banco Simeón.
Monitoring Trustee
Navedene dejavnosti bančnega poslovanja s prebivalstvom v Španiji trenutno izvaja hčerinska družba skupine CGD, ki deluje pod imenom Banco Caixa Geral (v nadaljnjem besedilu: BCG).
Portugal shall ensure that the full and correct implementation of the Restructuring Plan and the full and correct implementation of all Commitments are continuously monitored by an independent, sufficiently qualified Monitoring Trustee.
n. r.
The appointment, duties, obligations and discharge of the Monitoring Trustee must follow the procedures set out in Appendix I hereof.
Za primerjavo, bančne dejavnosti banke CGD na Portugalskem so leta 2012 dosegle –[10–20]-odstotni donos na vloženi kapital.
Portugal and CGD shall ensure that, during the implementation of the Decision, the Commission or the Monitoring Trustee have unrestricted access to all information needed to monitor the implementation of the Decision.
Ker mednarodno poslovanje pozitivno prispeva k splošnemu gospodarskemu položaju skupine CGD, vendar obsega samo majhen del njenih dejavnosti, je načrt prestrukturiranja osredotočen na izboljšanje dobičkonosnosti domačega poslovanja.
The Commission or the Monitoring Trustee may ask CGD for explanations and clarifications.
Banka CGD napoveduje, da se bo delež tveganih posojil z že tako visoke 12-odstotne stopnje v obdobju prestrukturiranja ob koncu leta 2017 še povečal na [10–20] %.
Portugal and CGD are to cooperate fully with the Commission and the Monitoring Trustee with regard to all enquiries associated with monitoring of the implementation of the Decision.
Napoveduje tudi, da bo oblikovanje rezervacij za tvegana posojila povečala na [50–60] %.
CGD will report annually to the Commission on the evolution of the Non-Core Activities after the dismissal of the Monitoring Trustee at the end of the Restructuring Period.
Komisija opozarja, da je banka CGD prejela državno pomoč s kapitalskimi vložki in pogojno zamenljivimi obveznicami (CoCo) v višini 1650 milijarde EUR.
Portugal shall ensure that CGD sells the insurance business unit’s assets (estimated EUR […] billion) of Caixa Seguros in due time.
Znesek pomoči je enak 2,3-odstotnemu tveganju prilagojene aktive (RWA) [17] banke CGD, kar je sorazmerno nizko.
To that end, CGD shall appoint a Divestiture Trustee on […] in the event that CGD has not entered into a final binding sale and purchase agreement at the latest by […].
Nekatera njena sredstva so bila prenesena na banko CGD.
Portugal shall ensure that CGD sells its non-strategic holdings (stake in […] corresponding to EUR [200-250] million).
Obdobje prestrukturiranja se bo končalo 31. decembra 2017.
To that end, CGD shall appoint a Divestiture Trustee on […] in the event that CGD has not completely divested at the latest by […].
Zaveze veljajo v obdobju prestrukturiranja, razen če ni določeno drugače.
The Divestiture Trustee shall be independent of CGD and work on behalf and under instruction of DG COMP, possess the necessary qualifications to carry out its mandate (for example as an investment bank or consultant) and shall neither have nor become exposed to a conflict of interest.
Skupna vrednost nestrateških deležev je ob začetku prizadevanj za zmanjšanje finančnega vzvoda znašala 841 milijonov EUR.
The Divestiture Trustee shall be remunerated by CGD in a way that does not impede the independent and effective fulfilment of its mandate.
Nestrateški deleži so 31. decembra 2012 znašali [200–250] milijonov EUR.
Accounting perimeter.
n. r.
Excluding Spanish branch and non-core assets to be transferred to the Spanish branch.
nujno za ohranitev vrednosti zadevnega lastniškega deleža ali (c) kako drugače povezano z zmanjševanjem kapitalskih izgub in/ali zvišanjem pričakovane vrednosti izterjanih sredstev zaradi take izpostavljenosti ali deleža.
Excluding self-service branches and including corporate offices
Banka CGD navedene parametre skrbnega in varnega poslovanja uporablja tudi za vse finančne informacije v svojem načrtu prestrukturiranja ter za informacije v načrtih glede financiranja in kapitala, ki so redno predloženi Mednarodnemu denarnemu skladu (v nadaljnjem besedilu: MDS), Evropski centralni banki (v nadaljnjem besedilu: ECB) in Evropski komisiji (v nadaljnjem besedilu: trojka).Kljub temu skupina CGD svoje letne računovodske izkaze v letnih poročilih objavlja na podlagi računovodskih parametrov.
Article 1
Rafinerije mineralnih olj in plina so veliki viri emisij onesnaževal zraka, zlasti žveplovega dioksida in dušikovih oksidov.
Article 2
Ukrepi iz tega sklepa so v skladu z mnenjem odbora, ustanovljenega s členom 75(1) Direktive 2010/75/EU –
confirming or amending the average specific emissions of CO2 and specific emissions targets for manufacturers of new light commercial vehicles for the calendar year 2013 pursuant to Regulation (EU) No 510/2011 of the European Parliament and of the Council
o potrditvi ali spremembi povprečnih specifičnih emisij CO2 in ciljev v zvezi s specifičnimi emisijami za proizvajalce novih lahkih gospodarskih vozil za koledarsko leto 2013 v skladu z Uredbo (EU) št. 510/2011 Evropskega parlamenta in Sveta
(notified under document C(2014) 7863)
(notificirano pod dokumentarno številko C(2014) 7863)
(Only the Dutch, English, French, German, Italian, Polish, Portuguese, and Swedish texts are authentic)
(Besedilo v angleškem, francoskem, italijanskem, nemškem, nizozemskem, poljskem, portugalskem in švedskem jeziku je edino verodostojno)
Having regard to Regulation (EU) No 510/2011 of the European Parliament and of the Council of 11 May 2011 setting emission performance standards for new light commercial vehicles as part of the Union's integrated approach to reduce CO2 emissions from light-duty vehicles [1], and in particular Articles 8(6) and 10(1) thereof,
ob upoštevanju Uredbe (EU) št. 510/2011 Evropskega parlamenta in Sveta z dne 11. maja 2011 o določitvi standardov emisijskih vrednosti za nova lahka gospodarska vozila kot del celostnega pristopa Unije za zmanjšanje emisij CO2 iz lahkih tovornih vozil [1] ter zlasti člena 8(6) in člena 10(1) Uredbe,
The Commission is required, pursuant to Article 8(6) of Regulation (EU) No 510/2011, to confirm or amend each year the average specific emissions of CO2 and the specific emissions target for each manufacturer of light commercial vehicles in the Union.
V skladu s členom 8(6) Uredbe (EU) št. 510/2011 mora Komisija vsako leto potrditi ali spremeniti povprečne specifične emisije CO2 in cilj v zvezi s specifičnimi emisijami za vsakega proizvajalca lahkih gospodarskih vozil v Uniji.
As those indicative targets will serve as indicators to manufacturers of the effort required to reach the mandatory target in 2014, it is appropriate to determine the average specific emissions of CO2 of manufacturers for 2012 and 2013 in accordance with the requirements set out in the third paragraph of Article 4 of Regulation (EU) No 510/2011 and take into account 70 % of the manufacturer's new light commercial vehicles registered in that year.
Ker bodo lahko proizvajalci na podlagi okvirnih ciljev opredelili prizadevanje, ki je potrebno za uresničitev obveznega cilja za leto 2014, je primerno, da se v skladu z zahtevami iz tretjega odstavka člena 4 Uredbe (EU) št. 510/2011 določijo povprečne specifične emisije CO2 proizvajalcev za leti 2012 in 2013, pri čemer se upošteva 70 % novih lahkih gospodarskih vozil proizvajalca, registriranih v navedenem letu.
The detailed data to be used for the calculation of the average specific emissions of CO2 and the specific emissions targets are set out in point 1 of Part A of Annex II to Regulation (EU) No 510/2011 and are based on Member States' registrations of new light commercial vehicles.
Podrobni podatki, ki se uporabijo pri izračunu povprečnih specifičnih emisij CO2 in ciljev v zvezi s specifičnimi emisijami, so določeni v točki 1 dela A Priloge II k Uredbi (EU) št. 510/2011 ter temeljijo na registracijah novih lahkih gospodarskih vozil v državah članicah.
Where light commercial vehicles are type-approved in a multi-stage process, point 7 of Part B of Annex II to Regulation (EU) No 510/2011 requires that the manufacturer of the base vehicle take responsibility for the CO2 emissions of the completed vehicle.
Pri postopku večstopenjske homologacije lahkih gospodarskih vozil točka 7 dela B Priloge II k Uredbi (EU) št. 510/2011 določa, da je proizvajalec osnovnega vozila odgovoren za emisije CO2 dodelanega vozila.