natgillin/translations-raw huggingface dataset:
The plan sets out a business strategy that positions the Bank as a smaller full-service bank, primarily focused on Ireland, as compared to the internationally diversified financial services group that it used to be in pre-crisis times.
Zaposlenost se bo v obdobju prestrukturiranja predvidoma izboljševala, pri čemer je pričakovana stopnja rasti 0,8 % za leto 2014, 1,5 % za leto 2015, 2 % za leto 2016 in 2 % za leto 2017.
The Bank's operating structure is based on three points of focus — the Domestic Core Bank, AIB UK (the UK business comprising business in Great Britain and Northern Ireland), and the Financial Solutions Group, created in 2012.
Pričakovati je, da se bodo izboljšale zelo oslabljene stopnje dejavnosti v stanovanjskem in gradbenem sektorju.
The main drivers of the Bank's return to viability are:
Cene stanovanj se bodo predvidoma povišale za 3 % leta 2014, 3 % leta 2015, 2,5 % leta 2016 in 2,5 % leta 2017.
the re-orientation of the Bank into a smaller bank with an improved funding profile, primarily focused on Ireland;
Na podlagi načrta prestrukturiranja banke so bile v okviru osnovnega scenarija oblikovane naslednje finančne napovedi:
improved levels of profitability through NIM enhancement, cost reduction measures and significantly reduced impairment charges;
Preglednica 4
a strong capital buffer.
Finančni rezultati in finančne napovedi banke v okviru osnovnega scenarija
The Base Case
Vir: Načrt prestrukturiranja banke in dopolnilna predložitev z dne 10. januarja 2014, letno poročilo družbe AIB za leto 2013.
Macroeconomic assumptions and key financial projections
Ključni finančni kazalniki
In the base case, it is assumed that Gross Domestic Product (‘GDP’) in Ireland will grow by 2,2 % in 2014 and accelerate in 2015, 2016 and 2017 to 2,8 %, 3,2 % and 3,2 % respectively.
Ključni finančni kazalniki Načrt za leto
GDP in the United Kingdom is expected to grow by 1,9 % in 2014, 2,1 % in 2015, 2,5 % in 2016 and 2,5 % in 2017.
Načrt za leto
Employment is expected to improve throughout the restructuring period, with an expected growth rate of 0,8 % in 2014, 1,5 % in 2015, 2 % in 2016 and 2 % in 2017.
Načrt za leto
Housing and construction are expected to rebound from very depressed activity levels.
Kapital in tveganju prilagojena sredstva
House prices are forecasted to increase by 3 % in 2014, by 3 % in 2015, by 2,5 % in 2016 and 2,5 % in 2017.
Delež temeljnega kapitala prvega reda (CT1) ali delež navadnega lastniškega temeljnega kapitala (CET1) (%)
The restructuring plan of the Bank results in the following financial projections under the base case scenario:
Kapitalska rezerva (v mio.
Table 4
EUR) v primerjavi z 8 % CT1/CET1
The Bank's financial results and financial projections under the base scenario
Tveganju prilagojena sredstva (v mio.
Source: The Bank's restructuring plan and complementary submission of 10 January 2014, AIB 2013 annual report.
EUR)
Key financial indicators
Dobičkonosnost
Actual
Neto obrestna marža – razen jamstev za upravičene obveznosti (%)
Plan
Razmerje med stroški in prihodki
Capital and Risk Weighted Assets (‘RWAs’)
Dobiček po obdavčitvi (v mio.
Core Tier 1 (‘CT1’) ratio or Common Equity Tier 1 (‘CET1’) ratio (%)
EUR)
Capital buffer (EUR m) vs. 8 % CT1/CET1
Donosnost lastniškega kapitala [35]
RWAs (EUR m)
Financiranje
Profitability
Razmerje med posojili in vlogami
NIM — excluding ELG (%)
Odvisnost ECB (delež vseh obveznosti [36])
Cost income ratio
drugo
Profit after tax (EUR m)
Bruto posojila in predujmi strankam (v mio.
Return on equity (‘ROE’) [35]
EUR)
Funding
Skupno premoženje (v mio.
LDR
EUR)
ECB reliance (% of total liabilities [36])
EPDČ (število)
Others
Glavni ukrepi banke za ponovno vzpostavitev uspešnega poslovanja
Gross loans and advances to customers (EUR m)
Manjša banka z izboljšanim profilom financiranja, osredotočena na domači trg
Total Assets (EUR m)
Cilj banke je s pomembnim zmanjšanjem finančnega vzvoda netemeljnega premoženja [37] postati bistveno manjša institucija v primerjavi z obdobjem pred finančno krizo.
FTE (number)
Banka je že dosegla bistveno zmanjšanje finančnega vzvoda s prodajo več svojih družb, zmanjšanjem finančnega vzvoda premoženja in prenosom premoženja, povezanega z lastniškim kapitalom z visokim tveganjem, na agencijo NAMA (21,3 milijarde EUR), kar ji je omogočilo znatno zmanjšanje svoje bilance stanja.
Main drivers of the Bank's return to viability
Skupno premoženje skupine AIB se je s 136,7 milijarde EUR ob koncu leta 2011 zmanjšalo na 117,7 milijarde EUR 31. decembra 2013 (14-odstotno zmanjšanje) [38].
The Bank has already completed important deleveraging through the disposal of several of its businesses, asset deleveraging and the transfer of ‘high-risk property’ related assets to NAMA (EUR 21,3 billion), which has enabled it to reduce significantly the size of its balance sheet.
Banka namerava v obdobju prestrukturiranja dodatno povečati delež vlog strank glede na vse vire svojih sredstev (tj. vse obveznosti), medtem ko se bo delež financiranja ECB v obdobju iz načrta prestrukturiranja predvidoma bistveno zmanjšal, in sicer z 20 % leta 2012 na [< 10 %] leta 2017 (tj. zmanjšanje za 15–25 milijard EUR), zaradi načrtovanega manjšega obsega posojil [40], odkupa obveznic agencije NAMA [41] in večjega števila vlog bank.
This important deleveraging/downsizing programme undertaken by the Bank, combined with a growing customer deposit base (as from 2011), has contributed to improve the funding profile of the Bank.
Kar zadeva predvidene količnike likvidnosti, banka ob upoštevanju trenutno razpoložljivih informacij o sestavi količnika likvidnostnega kritja, ki je na ravni Evropske unije še vedno v fazi posvetovanja [42], napoveduje, da bo količnik likvidnostnega kritja v obdobju prestrukturiranja znatno presegel minimalne zahteve (glej Preglednica 5: Količniki likvidnosti banke).
The proportion of customer deposits over the total source of funds (i.e. total liabilities [39]) improved from 49,7 % at the end of 2011 to 61,2 % at the end of 2013, while the LDR decreased from 138 % at the end of 2011 to 100 % at 31 December 2013.
Preglednica 5
During the restructuring period, the Bank projects to further increase the proportion of customer deposits over the total source of its funds (i.e. total liabilities), while the proportion of ECB funding is expected to decrease significantly over the restructuring plan period, from 20 % in 2012 to [< 10 %] in 2017 (i.e. a decrease of EUR 15-25 billion), as a combination of projected lower loan volumes [40], NAMA bond [41] redemptions and increased deposits by banks.
Količniki likvidnosti banke
The Bank is progressively regaining access to the wholesale market.
Vir: Načrt prestrukturiranja banke.
In January and September 2013, the Bank issued two Mortgage Bank bonds of EUR 500 million each.
Količniki likvidnosti Načrt za leto
In October 2013, the Bank issued a credit card securitisation for EUR 500 million, which was the first ever of its kind issued by an Irish bank.
Minimalni količnik likvidnostnega kritja iz Uredbe (EU) št. 575/2013
In November 2013, the Bank managed to place EUR 500 million of 3 year debt fully unsecured.
Količnik neto stabilnih virov financiranja
This was the Bank's first unguaranteed debt transaction since 2009.
Izboljšana stopnja dobičkonosnosti
In March 2014 the Bank issued a EUR 500 million 7 year secured Asset Covered Securities bond.
Banka načrtuje, da bo leta 2014 ponovno postala dobičkonosna, pri čemer napoveduje dobiček po obdavčitvi v znesku [0–750] milijonov EUR, leta 2017 pa bo znašal [250–1250] milijonov EUR.
As regards forecasted liquidity ratios, considering the information available at this stage on the composition of the Liquidity Coverage Ratio (‘LCR’) which is still at a consultative stage at European Union level [42], the Bank forecasts a LCR ratio during the restructuring period well above the minimum requirements (see Table 5).
Poleg tega se bo delež sredstev banke z nizkim donosom (tj. hipotekarna posojila s spremenljivo obrestno mero in obveznice agencije NAMA) v primerjavi s skupnimi sredstvi v obdobju prestrukturiranja predvidoma zmanjšal z [20–30 %] leta 2014 na [10–20 %] leta 2017, in sicer zaradi odkupa obveznic agencije NAMA ter amortizacije portfelja hipotekarnih posojil s spremenljivo obrestno mero, v zvezi s katerim niso načrtovana nobena nova posojila.
Table 5
Preglednica 6
The Bank's liquidity ratios
Razvoj povprečnih donosov sredstev in obveznosti glede na napovedi banke
Source: the Bank's restructuring plan.
Vir: Načrt prestrukturiranja banke in dopolnilna predložitev z dne 20. marca 2014. (v %)
Liquidity ratios
Dejansko stanje leta
Net Stable Funding Ratio
Povprečen donos –vsa posojila
an improved level of profitability
Povprečen donos – vloge
The Bank projects to return to profitability in 2014, with a forecast profit after taxation of EUR [0-750] million, which will reach EUR [250-1250] million in 2017.
(vključno s tekočimi računi)
The return on equity (‘ROE’) is expected to be [0,5-10 %] in 2014 and [5-15 %] in 2017.
[– 0,5 do – 2,5]
This will be achieved in the following way.
S prekinitvijo sheme ELG 28. marca 2013 se bo po stroških ELG izboljšala neto obrestna marža, saj se bodo zmanjšale provizije za jamstva, ki jih je treba plačati državi.
First, the restructuring plan sets out a number of actions to drive the recovery of the NIM, excluding ELG costs, from 1,22 % in 2012 to [1,5-2,25 %] in 2017.
Leta 2012 so te provizije znašale 0,4 milijarde EUR, leta 2017 pa bodo predvidoma znašale le 8 milijonov EUR.
Those actions comprise new lending of EUR [20-30] billion from 2014 to 2017 at higher interest rates, further improvement in the pricing of back-book [43] loans and a further reduction of the cost of deposit products until 2015 (see Table 6).
Nazadnje, banka v zvezi s poslovnimi prihodki po rezervacijah in pred izrednimi stroški načrtuje bistveno znižanje stroškov oslabitve posojil z 2,5 milijarde EUR leta 2012 na [0–0,5] milijarde leta 2014 in [0–0,5] milijarde leta 2017, saj načrt predvideva okrevanje irskega gospodarstva.
Table 6
Načrt rezervacij predvideva tudi učinkovitejše dejavnosti upravljanja kredita, ki so se upoštevale ob vzpostavitvi skupine za finančne rešitve in uvedbi strategije za reševanje hipotek v zaostanku s plačili [44].
The Bank's forecasted evolution of average yields on assets and liabilities
Namen teh dejavnosti je izboljšati zbirko posojil banke in učinkovitost prestrukturiranja ter tako povečati število zavarovanih posojil.
Source: The Bank's restructuring plan and complementary submission of 20 March 2014.
Vzdrževanje znatne kapitalske rezerve
Average yield
Banka pričakuje, da bo s povečanjem zadržanih do bičkov in zmanjšanjem tveganju prilagojenih sredstev v obdobju prestrukturiranja ohranila znatno kapitalsko rezervo.
Average yield — New lending
Banka namerava povečati svoj dobiček, ki ga namerava v celoti zadržati na podlagi ukrepov iz uvodnih izjav 65 do 68.
Average yield — Back-book loans
Pričakovati je, da se bodo tveganju prilagojena sredstva med letoma 2013 in 2016 zmanjšala za približno [5–10] milijard EUR, predvsem zaradi stalnega zmanjševanja portfelja posojil (vključno z odpisi, prestrukturiranimi oslabljenimi posojili in amortizacijo posojil), novega obravnavanja odloženih terjatev za davek [45] ter načrta banke o uporabi (a) notranjega pristopa na podlagi ocen k portfelju posojil družbe EBS in (b) posodobljenih modelov IRB za portfelj posojil družbe AIB.
Average yield — Total loans
Poleg tega ima banka instrumente pogojnega kapitala [48] v vrednosti 1,6 milijarde EUR, ki se lahko po potrebi pretvorijo v navadne delnice.
Average yield — Deposits
Ob upoštevanju instrumentov pogojnega kapitala bi kapitalska rezerva z 8-odstotno minimalno regulativno kapitalsko zahtevo leta 2014 znašala [5–10] milijard EUR, s 5,5-odstotnim pragom kapitala pa [5–10] milijard EUR.
Second, the discontinuation of the ELG scheme as per 28 March 2013 will bring an improvement in the NIM after ELG costs since the guarantee fees paid to the State will be reduced.
Alternativni osnovni scenarij
They amounted to EUR 0,4 billion in 2012 and are forecasted to be only EUR 8 million in 2017.
Banka je 11. februarja 2014 Komisiji predložila alternativni osnovni scenarij (alternativni osnovni primer), ki v primerjavi z osnovnim scenarijem temelji na preudarnejših predpostavkah.
Third, with a view to reaching sustainable pre-provision operating profits, the Bank plans a further reduction of its operating costs from EUR 1,8 billion in 2012 to EUR [1,0-1,5] billion in 2015 and to EUR [1,0-1,5] billion in 2017.
Preudarnejše predpostavke so se nanašale na razvoj tveganju prilagojenih sredstev, rezultate ocene bilance stanja [50], obseg novih posojil, drugačno strukturo financiranja, višje stroške sredstev in večji odpis sredstev, kot je povzeto v preglednici 7.
The two key initiatives underpinning this projected reduction are the Retirement and Voluntary Severance Scheme and the pay and benefits review announced in 2012.
Kar zadeva makroekonomske predpostavke, na katerih temelji alternativni osnovni scenarij, so te enake tistim, na katerih temelji osnovni scenarij iz uvodne izjave 56 v uvodnih izjavah 55 in 56.
In this respect, the Bank projects a reduction of its staff of respectively [20-40] % by 2015 and of [20-40] % by 2017 as compared to 2012 levels, leading to a total decrease of [2000 to 5000] staff.
Preglednica 7
Finally, concerning the operating profit after provision and before exceptional items, the Bank plans a sharp reduction in loan impairment charges, from EUR 2,5 billion in 2012 to EUR [0-0,5] billion in 2014 and EUR [0-0,5] billion in 2017, as the plan assumes an economic recovery in Ireland.
Alternativni osnovni scenarij: glavne razlike v predpostavkah glede na osnovni scenarij
AIB expects this recovery to result in a slowdown in new defaulted loans.
Vir: Načrt prestrukturiranja banke in dopolnilna predložitev z dne 11. februarja in 27. marca 2014.
The provision plan also envisages more effective credit management activities, reflected in the establishment of the Financial Solution Group, and the Mortgage Arrears Resolution Strategy [44] (‘MARS’) rollout.
Spremenljivka
Those activities aim to improve the Bank's loans collection and restructuring effectiveness, thereby increasing the number of cured loans.
Alternativni osnovni scenarij (razlika glede na osnovni scenarij)
Maintaining a strong capital buffer
Tveganju prilagojena sredstva
The Bank expects to maintain a strong capital buffer during the restructuring period, through increased retained earnings and reduced Risk Weighted Assets (‘RWAs’).
Zaradi teh dveh sprememb so se tveganju prilagojena sredstva glede na osnovni scenarij povečala za [3–8] milijard EUR za leto 2014, [3–8]milijard EUR za leto 2015, [3–8] milijard EUR za leto 2016 in [3–8] milijard EUR za leto 2017.
The Bank plans to increase its profits, which it plans to fully retain, through the actions described in recitals 65 to 68.
Rezervacije za oslabitve posojil
RWAs are expected to decrease by around EUR [5-10] billion from 2013 to 2016, basically as a result of the continued contraction of the loan book (including write-offs, restructured impaired loans and loan amortisation), new treatment of deferred tax assets (‘DTAs’) [45], and the Bank's planned deployment of (a) an Internal Ratings-Based (‘IRB’) approach to the EBS loan book and (b) updated IRB models for the AIB loan book.
To v celoti vključuje rezultate ocene bilance stanja.
Furthermore, the Irish authorities have provided information that the CBI will reduce the minimum regulatory capital requirement [46] from 10,5 % to […] % in the near term, which has the effect of increasing the Bank's capital buffer by EUR [0-5] billion in 2014, all other things remaining equal.
To glede na osnovni scenarij pomeni dodatne stroške rezervacij v višini [500–1000] milijonov EUR leta 2014, [500–1000] milijonov EUR leta 2015, [0–500] milijonov EUR leta 2016 in [0–500] milijonov EUR leta 2017.
Considering a minimum regulatory capital requirement of 8 % Common Equity Tier 1 (‘CET1’) throughout the period, the capital buffer of the Bank is forecasted to be EUR [0-5] billion in 2014 and around EUR [5-10] billion in 2017.
Šteje se, da so nova posojila za portfelj poslovnih posojil ter posojil družbam in MSP za vsako predvideno leto omejena na predvideno rast BDP.
With a capital threshold of 5,5 % [47] the capital buffer would be EUR [5-10] billion in 2014.
To pomeni, da je skupna nova proizvodnja v obdobju prestrukturiranja za [2–4] milijarde manjša kot v osnovnem scenariju.
In addition, the Bank has Contingent Capital Instruments [48] (‘CoCos’) of EUR 1,6 billion that could be converted into ordinary shares, if needed.
(Učinek predpostavk v zvezi z novimi posojili na tveganju prilagojena sredstva znaša [0–3] milijarde EUR leta 2014, [0–3] milijarde EUR leta 2015, [0–3] milijarde EUR leta 2016 in [0–3] milijarde leta 2017).
The Bank's recognised DTAs, arising from unused tax losses, amount to EUR 3,9 billion at 31 December 2013.
Stroški sredstev
The alternative base scenario
Glede na osnovni scenarij je razvoj stroškov vlog za račune za prebivalstvo za določen čas, vlog MSP in vlog družb tesneje povezan z razvojem načrtovane temeljne obrestne mere ECB.
On 11 February 2014 the Bank submitted to the Commission an alternative base scenario (the ‘alternative base case’) based on more prudent assumptions as compared to the base case scenario.
Preglednica 8
The more prudent assumptions concerned the evolution of RWAs, the Balance Sheet Assessment (BSA) results [50], the volume of new lending, a different funding mix, higher cost of funds and higher provision charges as summarised in Table 7.
Finančne napovedi banke v okviru alternativnega osnovnega scenarija
As to the macroeconomic assumptions underpinning this alternative base scenario, they are the same as those underpinning the base scenario described in recitals 55 and 56.
Vir: Načrt prestrukturiranja banke ter dopolnilna predložitev z dne 11. februarja in 27. marca 2014.
Table 7
Kapital in tveganju prilagojena sredstva
Alternative Base Scenario: main changes in the assumptions as compared to the base scenario
Delež temeljnega kapitala prvega reda (CT1) ali delež navadnega lastniškega temeljnega kapitala (CET1) (%)
Source: The Bank's restructuring plan and complementary submission of 11 February and 27 March 2014.
Kapitalska rezerva (v mio.
Variable
EUR) v primerjavi z 8 % CT1/CET1, vključno s pretvorbo instrumentov pogojnega kapitala
As a result of those two changes, RWAs have increased by EUR [3-8] billion, EUR [3-8] billion, EUR [3-8] billion and EUR [3-8] billion, as compared to the base scenario for the years 2014, 2015, 2016 and 2017 respectively.
Neugoden scenarij
Provisions for loan impairment
Neugoden scenarij glede na osnovni scenarij in alternativni osnovni scenarij temelji na bolj resnih makroekonomskih predpostavkah.
Includes the results of the BSA exercise fully.
Kljub temu alternativni osnovni scenarij v primerjavi z neugodnim scenarijem zagotavlja manjšo dobičkonosnost in manjšo kapitalsko rezervo, ker so predpostavke, na katerih temeljijo finančne napovedi banke glede razvoja njenega poslovanja, v alternativnem osnovnem scenariju resnejše kot v neugodnem scenariju.
The BSA exercise identified an additional provisioning need of EUR 1,1 billion, of which only EUR […] billion were reflected under the base scenario.
Razmerje med stroški in prihodki se bo predvidoma s [60–70] % leta 2014 izboljšalo na [45–55] % leta 2017.
This means that the provisions are EUR […] billion higher under the alternative base scenario than in the base scenario in 2013, and reflects a more linear decrease towards pre-crisis level.
NAČRT ODPLAČIL
This implied an additional provision charge of EUR [500-1000] million in 2014, EUR [500-1000] million in 2015, EUR [0-500] million in 2016 and [0-500] million in 2017 as compared to the base scenario.
Da banka bi olajšala to odplačilo, ne bo sprejela nobenih ukrepov, ki bi povzročili odliv kapitala pred […], razen če […].
New lending
Banka ima možnost, da do 13. maja 2014 delno ali v celoti pretvori preferenčne delnice NPRFC po valutni pariteti, pozneje pa po 125-odstotni vpisni ceni, pred odprodajo ali v okviru odprodaje (ali delne odprodaje), ki se nanaša na državo in vključuje zasebni sektor.
Considers that new lending for the Commercial, Corporate and SME's portfolio for each forecasted year is limited to the forecasted GDP growth.
Načeloma lahko banka kadar koli proda državne instrumente pogojnega kapitala.
This implies that the cumulated new production over the restructuring period is EUR [2-4] billion less than in the base scenario.
ZAVEZE, KI JIH JE PREDLAGALA IRSKA
(The new lending assumptions impacts RWAs by EUR [0-3] billion, EUR [0-3] billion, EUR [0-3] billion and EUR [0-3] billion for the years 2014, 2015, 2016 and 2017 respectively).
Irski organi so sprejeli številne zaveze, ki jih bo banka upoštevala v obdobju prestrukturiranja.
Includes a higher proportion (by 2 % to 3 %) of long term funding until 2016 as compared to the base scenario.
prestrukturiranje portfelja hipotekarnih posojil in portfelja posojil za MSP:
Cost of funds
doseganje količinsko opredeljenih ciljev prestrukturiranja/predlaganje trajnostnih rešitev,
According to those more prudent assumptions, the Bank will not return to profitability before 2016, with a forecasted profit after tax of EUR [0-750] million, which will reach EUR [250-1250] million in 2017.
nova posojila za […] so omejena na […] leta […] in […].
The Bank's capital buffer is forecast to be around EUR [2-6] billion in 2014 and EUR [2-6] billion in 2017 considering an 8 % minimum regulatory capital requirement.
odplačilo državne pomoči (z dividendami, če delež kapitala banke od leta 2016 presega seštevek minimalne regulativne kapitalske zahteve in 1–4 %),
Table 8
znižanje stroškov za [200–600] milijonov EUR do leta 2015 v primerjavi z letom 2012 ter razmerje med stroški in prihodki [45–65] % oziroma [50–70] %, če je rast BDP manj kot 2-odstotna,
The Bank's financial projections under the alternative base scenario
omejitev izpostavljenosti irskim državnim obveznicam na [10–20] milijonov EUR,
Source: The Bank restructuring plan and complementary submission of 11 February and 27 March 2014.
zaveze glede ravnanja pri omejevanju prevzemov, trženju ter oglaševanju in sponzoriranju na Irskem, prepovedi dividend, prepovedi kuponov za obstoječe instrumente,
ratio or CET1 ratio (%)
imenovanje skrbnika spremljanja za nadzor spoštovanja navedenih zavez.
Capital buffer (EUR m) vs. 8 % CT1/CET1 including the conversion of CoCos
Irska se je zavezala, da bo zagotovila celovito izvajanje načrta prestrukturiranja, predloženega 28. septembra 2012, kot je bil dopolnjen, vključno z zavezami, ki so podrobno določene v Prilogi.
NIM — excluding ELG costs (%)
SKLEP O ZAČETKU POSTOPKA V ZVEZI Z DRUŽBO EBS
[EUR -ve 0-750]
Irski organi so 31. maja 2010 predložili načrt prestrukturiranja družbe EBS.
[Not meaningful]
Komisija je zaradi dvomov glede združljivosti tega načrta prestrukturiranja z notranjim trgom uvedla poglobljeno preiskavo.
The adverse case
Komisija je bila zlasti v dvomih, ali:
In the adverse case submitted by the Bank, GDP in Ireland is expected to grow by 1 % in 2014, 1,5 % in 2015, 2,2 % in 2016 and 2,2 % in 2017.
je načrt prestrukturiranja primeren za ponovno vzpostavitev dolgoročnega uspešnega poslovanja družbe EBS;
The employment growth is delayed until 2015, when it is expected to grow by 0,5 %, 1 % in 2016 and 1 % in 2017.
je pomoč omejena na najmanjšo potrebno;
House prices are forecasted to increase by 1,2 % in 2014, and by 1,7 % in 2015 by 1,9 % in 2016 and by 1,9 % in 2017.
se izvajajo ustrezni ukrepi za omejevanje izkrivljanja konkurence.
GDP in the UK is expected to increase by 0,8 % in 2014, by 1 % in 2015, by 1,5 % in 2016 and by 1,5 % in 2017.
Komisija je ugotovila, da so finančne napovedi v načrtu prestrukturiranja neskladne in da ne vključujejo zadostnih informacij o makroekonomskih predpostavkah v okviru neugodnega scenarija.
The adverse case is based on more severe macroeconomic assumptions as compared to both the base scenario and the alternative base scenario.
Poleg tega je Komisija izrazila dvom glede predpostavk, na katerih temeljijo izračuni družbe EBS v zvezi s srednjeročnim razvojem hipotekarnih posojil na Irskem.