natgillin/translations-raw huggingface dataset:
NLB will follow a prudent, sound business policy geared towards sustainability while implementing the planned measures.
Skrbnik spremlja, da se (i) priporočila, ki so jih v zvezi z zavezami podali stalni nadzorniki ali občasni nadzorniki/revizorji, ustrezno izvršujejo in (ii) izvajajo načrti ukrepov, da se lahko odpravijo morebitne napake, ugotovljene v zvezi z okvirom notranjega nadzora;
NLB will further review its internal incentive schemes and remuneration policy and take steps to ensure that they do not encourage unreasonable risk-taking, that they are geared towards long-term and sustainable goals, and are transparent.
spremlja poslovne prakse NLB d.d. in njenih strateških bančnih povezanih družb, pri čemer se osredotoča na kreditno politiko in politiko vlog.
The variable annual remuneration will be limited as follows:
NLB na zahtevo skrbniku posreduje vsa poročila o tveganju, ki jih je prejel nadzorni odbor, ali vsako analizo/pregled, namenjen ocenjevanju kreditne izpostavljenosti NLB.
management board:
Skrbnik na podlagi navedenih poročil, razgovorov in po potrebi pregledov posamezne kreditne dokumentacije (brez poseganja v okvir bančne skrivnosti) opravi lastno analizo.
five monthly salaries;
V zvezi s tem bi moral biti, kadar je primerno, upravičen do razgovorov s kreditnimi analitiki in upravljavci tveganj, ki so sodelovali v vzorčnih primerih.
employees performing special work [4] employed in the front office function:
[Skrbnik za odprodajo] Naslednje določbe veljajo za imenovanje skrbnika za odprodajo:
employees performing special work employed in other functions:
Slovenija mora najpozneje en mesec pred roki iz točke 12 Evropski komisiji v odobritev predložiti seznam ene ali več oseb, ki jih predlaga za imenovanje za skrbnika za odprodajo;
three monthly salaries
skrbnik za odprodajo mora biti imenovan v enem tednu po odobritvi Evropske komisije v skladu s pooblastilom, ki ga je odobrila Evropska komisija;
The payment of at least 50 % of the variable remuneration will be deferred over the period of three years.
Slovenija mora skrbniku za odprodajo dodeliti celovita pooblastila:
Notwithstanding the commitment of paragraph 9.8 above, in any case, for the whole restructuring period, the total remuneration to any board member and employee performing special work will be restricted to an appropriate level.
za izvedbo vseh ukrepov in deklaracij, za katere skrbnik za odprodajo meni, da so potrebni ali ustrezni za izvedbo prodaje, vključno z imenovanjem svetovalcev, ki pomagajo pri prodaji;
The total remuneration of any such individual will not exceed 15 times the national average salary in Slovenia or 10 times the average salary of NLB d.d.
NLB d.d. zagotovi prejemek skrbniku za odprodajo na način, ki ne bo oviral neodvisnega in učinkovitega izvajanja pooblastil skrbnika za odprodajo.
The restrictions referred to above will continue to apply until the end of the restructuring period.
Opredelitev se nanaša tudi na ustrezne kode, napisane v obliki XX.X in XX.XX (tj. 64.200 se nanaša tudi na 64.2. in 64.20)
After informing the Monitoring Trustee, the NLB may adjust the above maximum limit for the annual remuneration in line with Slovenian inflation.
Enaka logika velja za finančne holdinge.
To the extent legally possible, NLB shall remunerate members of its bodies and committees, employees and essential agents in line with the following principles:
Enaka logika kod kot za finančne holdinge in gradbeništvo.
the relevant person's contribution to NLB economic position, especially in the context of previous business policies and risk management;
Zaposleni s posebno naravo dela, kot so opredeljeni v politiki prejemkov banke, so poleg uprave:
the necessity of a market-oriented salary, so as to be able to employ particularly suitable persons who can achieve sustainable growth.
poslovna funkcija – zaposleni v poslovnem delu NLB d.d, ki neposredno prevzamejo tveganja:
Slovenia will ensure that each state-owned bank shall remain a separate economic unit with independent powers of decision within the meaning of the EC Merger Regulation and the Jurisdictional Notice.
direktorji na drugi ravni upravljanja, direktorji oddelkov na finančnih trgih, direktorji podružnic za poslovanje s prebivalstvom, direktorji poslovnih centrov za poslovanje s podjetji (velikimi podjetji in MSP);
In particular, Slovenia ensures that:
skupna funkcija – direktorji na drugi in tretji ravni upravljanja;
any confidential, commercially sensitive or personal information provided to government bodies and marked as such will be treated accordingly and not circulated to other banks and undertakings in which the state has a stake;
nadzorna funkcija – direktorji na drugi in tretji liniji upravljanja, zaposleni, vključeni v sistem notranjega nadzora (notranja revizija itd.) in druge neodvisne nadzorne funkcije (upravljanje tveganja itd.), pooblaščenec za varovanje informacij (Chief Information Security Officer, CISO);
Any disposal of the state's shareholding must be conducted in a transparent, open and competitive process.
Srednje velika podjetja:
Pricing for new loans will be considered adequate if the new loan contributes to achieve a positive Return on Equity before tax (‘RoE’) of at least […] % in 2014, […] % in 2015, […] % in 2016 and […] % 2017 on either the individual loan or on each client relationship.
podjetja z izpostavljenostjo do 500000 EUR na ravni NLB Skupine ali s prihodkom do 2,5 milijona EUR dve zaporedni leti.
The calculation of the ROE of a client relationship can include interest income, fees as well as other combined products of the same client.
Obseg novih posojil na posamezno obdobje poročanja pomeni zneske posojil, ki so bila v zadevnem obdobju poročanja pogodbeno dogovorjena.
The calculation of RoE on client level and pricing according to minimum RoE has to be implemented by 30 June 2014 on standalone level and by 31 December 2014 for all core banking affiliates
Glej točko 41 Sporočila Komisije o ponovni vzpostavitvi uspešnega poslovanja in oceni ukrepov prestrukturiranja v finančnem sektorju v sedanji krizi na podlagi pravil o državni pomoči (UL C 195, 19.8.2009, str. 9).
For the purpose of this calculation, the volume weighted average of all loans with a single client (since the date of this decision), other fee business or banking transactions contributing to the profitability of the relationship with the same client can be taken into account, so that a new loan might generate a lower return if it is compensated by revenues of other fee business or banking transactions.
Slovenski organi so po drugem sklepu o reševanju in sklepu o začetku postopka 7. januarja 2013 priglasili revidiran načrt prestrukturiranja, spremenjeno različico tega načrta pa so predložili 25. marca 2013.
New loans will have a credit documentation demonstrating a pre-deal calculated RoE for the either the individual loan or other live exposure on single client including fee business or banking transactions.
Slovenski organi so nato decembra 2013 predložili še drugo spremenjeno različico načrta.
In the case of mass market retail and SME transactions, this pre-deal calculated RoE may be replaced by a verification that the transaction is in line with internal pricing guidelines and a centralized demonstration that pricing guidelines assure a return on equity of […] % in 2014, […] % in 2015, […] % in 2016 and […] % 2017.
Izgube so leta 2009 znašale 87 milijonov EUR, leta 2010 so znašale 202 milijona EUR, leta 2011 so znašale 239 milijonov EUR, leta 2012 pa 273,5 milijona EUR.
Any deviation from the pricing resulting in a lower price level will be documented.
V prvem polletju leta 2013 je NLB zabeležila izgube po obdavčitvi v višini 91,2 milijona EUR.
This documentation will include robust commercial reasoning for the deviation and will be presented to the Monitoring Trustee.
Portfelj posojil NLB se je začel slabšati leta 2009.
The total amount of deviations will not exceed the amounts defined in paragraph 10.6.
Na dan 30. junija 2013 je regulativni kapital NLB znašal 1074,3 milijona EUR.
Credit deals not falling under this pricing policy regime:
Njen količnik temeljnega kapitala v skladu z uredbo EU o kapitalskih zahtevah [4] je bil 8,5 %.
Transactions with related parties (i.e. Group members and employees), restructuring cases (of D, E and C clients with a delay in payments of more than 90 days) and all money market transactions.
Količnik temeljnega kapitala NLB v skladu z uredbo EU o kapitalskih zahtevah, ki je leta 2009 znašal 6,9 %, se je do leta 2010 zmanjšal na 6 %.
adapt the credit rating process such that a financial statement analysis and a credit scoring indicating at the very least leverage and performance parameters such as return on capital, EBIT Interest Coverage, Debt/EBITDA, Debt/(Debt+Equity) etc. will be taken into account before engaging on a new credit exposure with any business client.
Banka Slovenije je julija 2010 od NLB zahtevala, naj okrepi svoj kapitalski položaj.
Every customer to which NLB d.d. has an exposure exceeding EUR 1 million should be re-rated annually;
Ker ni bilo rešitve v obliki zasebnega vlagatelja, je Slovenija NLB zagotovila 382,9 milijona EUR v obliki pogojno zamenljivih obveznic (v nadaljnjem besedilu: obveznice CoCo), ki so na podlagi zadevnih uredb štele za instrumente temeljnega kapitala.
document all restructuring decisions i.e. all new credit deals with non-performing corporate clients with an exposure over EUR 10000 and include in the documentation a comparison with alternative solutions such as execution of collateral and termination of the engagement, demonstrating that the solution which maximizes the net present value for the bank is chosen.
NLB je marca 2013 obveznice CoCo pretvorila v lastne navadne delnice v skladu s pogoji sporazuma, ki ureja obveznice CoCo.
Unless a RoE of at least […] % can be obtained, restructuring decisions will be such that the bank is able to terminate the engagement at least every 12 months.
NLB ima glede na rezultate pregleda kakovosti sredstev in stresnih testov ter vsebine načrta prestrukturiranja, vključno s prenosom sredstev in prenosom nekaterih oslabljenih sredstev na DUTB, kapitalski primanjkljaj v višini 1,8 milijarde EUR.
Where NLB d.d. does not have the exclusive right to accept, propose or approve restructuring agreements or to take restructuring decisions it shall exercise its rights according to the above principles.
Država bo po upoštevanju učinka načrtovanega reševanja podrejenih obveznosti z zasebnimi sredstvi (kapitalska potreba NLB se bo tako zmanjšala za 250 milijonov EUR) NLB zagotovila dodatni kapital v višini 1,558 milijarde EUR v obliki državnih obveznic in denarnih sredstev, kar bo banki omogočilo, da ponovno vzpostavi uspešno poslovanje.
A list of all recent restructuring decisions will be regularly provided to the Monitoring Trustee (at least every 6 months).
Slovenija je Komisiji 17. maja 2013 predložila predhodni seznam sredstev, ki bodo z NLB prenesena na DUTB in znašajo 1,9 milijarde EUR.
The documentation of any restructuring decision will be presented to the Monitoring Trustee upon request.
Seznam je bil od takrat posodobljen in portfelj sredstev, ki bo prenesen, obsega 2,2 milijarde EUR (v nominalnem znesku) za posojila in 94 milijonov EUR (v tržni vrednosti) za lastniške instrumente.
ensure that all credit officers approving credits to SME and corporate clients will have attended an internal training familiarizing them with the credit rating process and established pricing methodologies no later than 30 June 2014;
Nadalje bo pregledala ustreznost svojih politik spodbud in prejemkov ter si prizadevala, da ne bosta spodbujali neprimernih tveganj in bosta usmerjeni v dolgoročne in trajnostne podjetniške cilje ter sta pregledni in v skladu s smernicami Evropskega bančnega organa o plačni politiki in praksah z dne 10. decembra 2010.
implement a refinement of the client rating process to a fully internal ratings based system, approved by the Bank of Slovenia, by no later than 31 December 2014
NLB bo v skladu z zadevnimi pravili iz sporočila o bančništvu iz leta 2013 [9] do 31. decembra 2017 omejila skupni prejemek članov uprave in zaposlenih s posebno naravo dela.
should the Monitoring Trustee reveal a failure on behalf of NLB to comply with any of the Commitments under this paragraph 10 NLB d.d. shall provide the Monitoring Trustee with a remedial plan indicating which actions it has taken and intends to take in order to avoid a breach in the following quarter.
Variabilni letni prejemek uprave in zaposlenih s posebno naravo dela v poslovnem delu bo omejen na pet mesečnih plač.
The plan will be submitted in time for the Monitoring Trustee to report on it in its next semi-annual report to the Commission.
Variabilni prejemek zaposlenih s posebno naravo dela na drugih delovnih mestih bo omejen na tri mesečne plače.
Should the remedial plan not deliver the expected results and objectives, NLB d.d. will limit for a term of 12 months — starting the quarter following the reporting of such breach of Commitments — the new lending volume per reporting period to 66 % of the new lending volume [7] of the reporting period in which the Commitment was breached.
Poleg državne pomoči, prejete marca 2011 in julija 2012, je v načrtu prestrukturiranja predviden dodatni kapitalski vložek države v višini 1,558 milijarde EUR.
This does not apply to an individual breach of a Commitment under paragraphs 10.1, 10.2 and 10.3 provided that a further investigation by the Monitoring Trustee reveals that such breach can be considered an isolated error or omission and that there is no evidence hinting that a total volume per client of more than EUR […] million of deals is affected by such breach.
Ta tretja dokapitalizacija bo količnik temeljnega kapitala NLB v skladu z uredbo EU o kapitalskih zahtevah takoj zvišala na 15 %, reševala pa bo tudi pričakovane izgube.
[non-discrimination] Slovenian State-owned companies will by no means be treated more favourably than non-state-owned companies (non-discrimination).
Finančne napovedi iz načrta prestrukturiranja za obdobje 2013–2017 predvidevajo, da bo dne 31. decembra 2017 količnik temeljnega kapitala v skladu z uredbo EU o kapitalskih zahtevah [10–20]-odstoten.
NLB d.d. should make available throughout the restructuring period an annual report comparing the lending conditions applied to state-owned companies and to similar private companies.
Lastniški deleži obstoječih delničarjev NLB so se že precej zmanjšali zaradi prve in druge dokapitalizacije marca 2011 in julija 2012.
[behavioural commitments] Slovenia commits to introduce the following behavioural safeguards in respect of NLB's restructuring:
Preostale podrejene obveznice NLB znašajo 250 milijonov EUR.
[bans on advertising and aggressive commercial strategies] to impose a ban on advertising related to the state support to NLB and to the state ownership in NLB (or to any competitive advantages arising in any way from the aid to NLB or the state ownership in NLB) and to prevent NLB from employing any aggressive commercial strategies which would not be pursued without state support (advertisement ban);
Slovenija se zavezuje, da bo NLB pred dodelitvijo državne pomoči (tj. tretjo dokapitalizacijo in prenosom oslabljenih sredstev na DUTB) v celoti odpisala lastniški kapital delničarjev in neporavnan podrejen dolg.
[Capital repayment Mechanism and dividend ban] Based on the audited year end accounts NLB d.d. will pay in form of dividend disbursement the following amounts to its shareholders:
NLB bo v obdobju od 31. decembra 2013 do 31. decembra 2017 z zmanjšanjem tveganju prilagojene aktive v sektorjih gradbeništva, prometa in finančnih holdingov v Sloveniji za povprečno […] % zmanjšala kreditne dejavnosti v teh sektorjih.
For the fiscal year 2015 and 2016:
Prenehala bo z izvajanjem poslovne strategije novega kreditiranja poslovnih strank v tujini.
the lower of (i) 50 % of the excess capital above the applicable minimum capital requirement on the consolidated level under European and Slovenian law (including pillar 1 and 2) plus a capital buffer of 100 basis points;
Slovenija je Komisiji 17. maja 2013 predložila predhodni seznam sredstev, ki bodo z NLB prenesena na DUTB in znašajo 1,9 milijarde EUR.
or (ii) the net income for the relevant year;
Seznam je bil od takrat posodobljen.
For the fiscal year 2017:
Zaradi prenosa sredstev se bo tveganju prilagojena aktiva NLB zmanjšala za 1,4 milijarde EUR, potreba po kapitalu pa se bo skupno zmanjšala za 112 milijonov EUR.
the lower of (i) 100 % of the excess capital above the applicable minimum capital requirement on the consolidated level under European and Slovenian law (including pillars 1 and 2) plus a capital buffer of 100 basis points;
Ti podatki so bili navedeni v zadevnem seznamu sredstev, ki bodo prenesena na DUTB, ki ga je Komisija prejela 14. novembra 2013.
or the net income for the relevant year.
Cena ob prenosu je 617 milijonov EUR, tržna cena pa je ocenjena na 486 milijonov EUR.
Without prejudice to the competences of Bank of Slovenia as banking supervisor of NLB, the dividend disbursement shall be, totally or partially, suspended if, on the basis of a reasoned request by NLB endorsed by the Monitoring Trustee, it is considered that it would endanger the solvency position of the bank in the following years.
Pomoč, ki je bila s prenosom oslabljenih sredstev na DUTB dodeljena NLB, znaša 130 milijonov EUR.
For the fiscal years 2013 and 2014 no dividend will be paid.
Slovenija je dodatno državno pomoč za NLB v obliki kapitalskih vložkov in kapitalske olajšave priglasila po 1. avgustu 2013.
The subsidiaries of NLB d.d. are subject to a dividend ban along the same lines as outlined above for NLB d.d.
Zato za oceno združljivosti načrta prestrukturiranja NLB veljajo določbe sporočila o bančništvu iz leta 2013.
Notwithstanding this ban, NLB Group companies may pay out dividends to their shareholders if NLB d.d. is — directly or indirectly — the majority shareholder and all external shareholders combined hold less than [10-20] % of shares and voting rights in the respective company.
Komisija mora združljivost pomoči, ki je bila NLB dodeljena v obliki prenosa oslabljenih sredstev na DUTB, oceniti na podlagi sporočila o oslabljenih sredstvih, kot je bilo prilagojeno in dopolnjeno v sporočilu o bančništvu iz leta 2013.
[coupon ban]; to ensure that NLB will refrain during the restructuring period from making any payments on capital instruments, unless those payments stem from a legal obligation, and not to call or buy back those instruments without prior approval of the Commission.
Sporočilo o oslabljenih sredstvih finančno pomoč opredeljuje kot vsak ukrep, ki „banko upravičenko razbremeni[jo] potrebe, da izkaže izgubo ali oblikuje rezervacije za potencialno izgubo oslabljenih sredstev (ali ji zagotovi[jo] nadomestilo v takih primerih), in/ali sprosti[jo] regulatorni kapital za druge namene“ in določa merila za združljivost takih ukrepov z notranjim trgom.
Coupons on capital instruments held by the state may be paid, unless such payments would trigger coupon payments to other investors that otherwise would not be mandatory.
Portfelj, ki bo prenesen, predstavlja več kot polovico oslabljenih sredstev, ki jih je imela NLB d.d. knjižene na dan 31. decembra 2012.
This commitment not to pay coupons during the restructuring period does not apply for newly issued instruments (meaning instruments issued after the final Commission's approval of the restructuring plan), provided any payment of coupons on such newly issued instruments will not create a legal obligation to make any coupon payments on NLB's securities existing at the moment of the adoption of the Commission's Restructuring Decision (coupon ban);
Navedena sredstva so torej v skladu z merili za upravičenost sporočila o oslabljenih sredstvih.
[acquisition ban] to ensure that NLB will not acquire any stake in any undertaking.
Komisija ugotavlja, da je realna ekonomska vrednost portfelja posojil 617 milijonov EUR v nominalnem znesku 2,3 milijarde EUR, realna ekonomska vrednost portfelja lastniških instrumentov pa 94 milijonov EUR.
This covers both undertaking which have the legal form of a company and pool of assets which form a business.
Načrt prestrukturiranja določa prenos sredstev na DUTB po realni ekonomski vrednosti.
Exemption requiring Commission's prior approval Notwithstanding this prohibition, NLB may, after obtaining the Commission's approval, acquire businesses if that is in exceptional circumstances necessary to restore financial stability or to ensure effective competition [8];(b)
Zlasti oblikovanje cen novih posojil bo do 31. decembra 2017 prispevalo k pozitivni donosnosti lastniškega kapitala v višini vsaj […] % pri vsakem poslu, sklenjenim s strankami.
Exemption not requiring Commission's prior approval NLB may acquire stakes in undertakings provided that the purchase price is less than EUR 1,5 million (0,01 % of NLB's total assets as of Dec 2012) in each individual case and that the cumulative purchase prices paid by NLB for all such acquisitions over the whole restructuring period is less than EUR 3,75 million (0,025 % of NLB' total assets as of Dec 2012).
To oblikovanje cen bo uvedeno postopoma, in sicer se bo začelo leta 2014 z […] % donosnosti lastniškega kapitala pri vsakem poslu, sklenjenim s strankami, do 31. decembra 2017 pa bo doseglo […] %.
Activities not falling under the acquisition ban 1) Acquisitions that take place in the ordinary course of the banking business in the management of existing claims towards ailing firms;
NLB je že prejela kapitalska vložka države marca 2011 in julija 2012.
Disposals and restructuring within NLB Group, including buy-outs of minority shareholders and the buy-out of the remaining shares of NLB Vita from KBC.
NLB bo z dodatno, tretjo dokapitalizacijo lahko izpolnila kapitalske zahteve Banke Slovenije in tako ponovno vzpostavila uspešno poslovanje.
[Burden sharing] Slovenia commits that before any State aid is granted the existing shareholders' equity and all outstanding subordinated debt will be written off in full.
Slovenija se je v zvezi s tem zavezala, da bo NLB pred dodelitvijo državne pomoči (tj. tretjo dokapitalizacijo in prenosom oslabljenih sredstev na DUTB) v celoti odpisala lastniški kapital delničarjev in neporavnan podrejen dolg ter tako zagotovila skladnost z zahtevami sporočila o bančništvu iz leta 2013.
[reduction of State's shareholding and […]] Slovenia will reduce its shareholding in NLB d.d. to […] (‘[…]’) by […].
Komisija pozitivno ugotavlja, da je prispevek imetnikov podrejenih dolžniških instrumentov največji možni, kar zagotavlja ustrezno porazdelitev bremena.
If Slovenia has not entered into (a) binding sale and purchase agreement(s) for the sale of its shareholding in NLB d.d. exceeding the […] by […], Slovenia and NLB d.d. shall grant to the Divestiture Trustee (appointed in accordance with paragraph 19) an exclusive mandate to sell NLB d.d.'s participations in the following […], for a minimum price not lower than […] book value:
Komisija zato meni, da predloženi načrt za prestrukturiranje izpolnjuje merila iz sporočila o prestrukturiranju, kot je bilo dopolnjeno v sporočilu o bančništvu iz leta 2013, in sporočila o oslabljenih sredstvih, kot je bilo prilagojeno in dopolnjeno v sporočilu o bančništvu iz leta 2013.
The sale process will be conducted by the Divestiture Trustee appointed in accordance with paragraph 19.
Ukrepi za prestrukturiranje se lahko obravnavajo kot združljivi z notranjim trgom v skladu s členom 107(3)(b) PDEU.
Should Slovenia sell its shareholding in NLB d.d. exceeding […] by […], at the latest, all commitments defined in this document will cease to apply from 31 December 2016 onward, with the exception of the commitment to restrict to an appropriate level the total remuneration to any board member and employee performing special work according to paragraph (9.9) which will apply and be complied with until 31 December 2017.
Republika Slovenija (v nadaljnjem besedilu: Slovenija) zagotavlja, da bodo NLB d.d. in njene povezane družbe (v nadaljnjem besedilu: NLB) izvedle načrt prestrukturiranja, predložen 7. januarja 2013, kot je bil spremenjen 25. februarja 2013 ter nato novembra in decembra 2013.