natgillin/translations-raw huggingface dataset:
Reference to Annex II, Section II.1, to Directive 2008/68/EC: 5.3.1.
Sklicevanje na oddelek III.1 Priloge III k Direktivi 2008/68/ES: poglavje 1.15.
Content of the Annex to the Directive: Obligation to affix labels on the walls of wagons.
Vsebina Priloge k Direktivi: določbe poglavja 1.15, Odobritev klasifikacijskih zavodov, določa, da mora klasifikacijski zavod za odobritev sprožiti postopek za odobritev zavoda, določen v oddelku 1.15.2.
Content of the national legislation: Only mail wagons carrying over 3 tonnes of a material in the same class (other than 1, 6.2 or 7) must be labelled.
Vsebina nacionalne zakonodaje: klasifikacija in pregled plovil z rezervoarjem za bencinske produkte, ki plujejo v vodah bolgarskih rečnih pristanišč ali drugih vodah pod neposredno pristojnostjo teh pristanišč, in jih upravljajo klasifikacijski zavodi, ki nimajo odobritve v skladu s poglavjem 1.15, Priloga III, oddelek III.1, k Direktivi 2008/68/ES, je dovoljena pod pogojem, da varnost ni ogrožena.
RA–a–SE–1
Opombe: odstopanje se nanaša zgolj na plovila, ki plujejo v pristaniških vodah ali v vodah pod neposredno pristojnostjo teh pristanišč.
Content of the national legislation: A railway carriage carrying dangerous goods, as express goods, need not be marked with labels.
Zadeva: sprejetje RO–bi–SE–3.
Comments: There are quantity limits in the RID for goods designated as express goods.
RO–bi–DE–5
Therefore it is a small quantity issue.
Vsebina nacionalne zakonodaje: prehodna določba: pritrjene cisterne (vozila s cisternami), odstranljive cisterne in cisterne zabojniki, prvič registrirane v Grčiji med 1. januarjem 1985 in 31. decembrom 2001, se lahko uporabljajo do 31. decembra 2010.
RA–a–UK–1
Ta prehodna določba se nanaša na vozila za prevoz naslednjih nevarnih snovi (UN: 1202, 1268, 1223, 1863, 2614, 1212, 1203, 1170, 1090, 1193, 1245, 1294, 1208, 1230, 3262, 3257).
Reference to Annex II, Section II.1, to Directive 2008/68/EC: Most requirements of the RID.
Vseeno pa je distribucija izdelkov za ognjemete od terminalov do trgovskih središč in vrnitev presežka nazaj do terminalov omejena zaradi pomanjkanja vozil, ki imajo homologacijo EX.
Initial reference to the national legislation: Packaging, Labelling and Carriage of Radioactive Material by Rail Regulations 1996, reg.
Prevoznikov naložbe v pridobitev takšne homologacije ne zanimajo, ker ne morejo povrniti svojih stroškov.
2(6) (as amended by Schedule 5 of the Carriage of Dangerous Goods (Amendment) Regulations 1999).
RA–bi–DE–3
Comments: This derogation is a short-term measure, which will no longer be required when similar amendments to the IAEA regulations are incorporated into the RID.
RA–bii–DE–2
RA–a–UK–2
RO–a–DK-3
Reference to Annex II, Section II.1, to Directive 2008/68/EC: 7.5.2.1 and 7.5.2.2.
RO–a–UK–10
Any variation will have a quantity limitation on one or more constituent parts of the load and would be permitted only if “all reasonably practicable measures have been taken to prevent the explosives being brought into contact with, or otherwise endangering or being endangered by, any such goods”.
RA–bi–DK–1
Explosives allocated on classification to UN Numbers 0029, 0030, 0042, 0065, 0081, 0082, 0104, 0241, 0255, 0267, 0283, 0289, 0290, 0331, 0332, 0360 or 0361 may be carried in the same vehicle with the dangerous goods allocated on classification UN Number 1942.
RA–bi–DK–2
The quantity of UN 1942 that may be carried shall be limited by deeming it to be an explosive of 1.1D.
Mnogi predmeti iz razreda 1.1C, 1.1D, 1.1E in 1.1J, ki se prevažajo po Uniji, so veliki ali obsežni, njihova dolžina pa presega 2,5 metra.
Explosives of 1,4G may be carried with flammable liquids and flammable gases in transport category 2 or non-flammable, non-toxic gases in transport category 3, or in any combination of them in the same vehicle, provided the total mass or volume of dangerous goods when added together does not exceed 200 kg or l and the total net mass of explosives does not exceed 20 kg.
V prvi vrsti gre za eksplozivne predmete za vojaško uporabo.
RA–a–UK–3
Zadeva: sprejetje RO–bi–SE-6.
Subject: To allow different maximum total quantity per transport unit for Class 1 goods in categories 1 and 2 of table in 1.1.3.1.
Da bi se proizvedel farmacevtski izdelek, proizvodna lokacija A kot del prevoza, ki ustreza pravilom, v 600-litrskih cisternah-zabojnikih dostavi smolno raztopino, vnetljivo (UN 1866), skupina pakiranja II, proizvodni lokaciji B. Tukaj se doda raztopina nitroglicerina in opravi mešanje, s katerim nastane lepilna mešanica, ki vsebuje nitroglicerin, desensibilizirana, tekoča, vnetljiva, ki ni navedena drugje, z ne več kot 30 % nitroglicerina glede na maso (UN 3343), za nadaljnjo uporabo.
Reference to Annex II, Section II.1, to Directive 2008/68/EC: 1.1.3.1.
Vsebina Priloge k Direktivi: da bi se izognili izgubi vsebine v primeru poškodbe zunanjih pritrdilnih elementov (cevi, stranske zaporne naprave), morata biti notranji zaporni ventil in njegov sedež zavarovana, da ju ne odtrga zaradi zunanjih pritiskov, ali pa zasnovana tako, da sta na tovrstne pritiske odporna.
Content of the national legislation: To lay down rules regarding exemptions for limited quantities and mixed loading of explosives.
Vsebina nacionalne zakonodaje: za lokalni prevoz do kmetijskih zemljišč ali gradbišč ni potrebno izpolnjevati nekaterih zahtev:
Initial reference to the national legislation: The Carriage of Dangerous Goods and Use of Transportable Pressure Equipment Regulations 2004: Regulation 3(7)(b).
Zadeva: prevoz določenih manj nevarnih radioaktivnih predmetov, kot so stenske ure, ročne ure, detektorji dima, številčnice kompasov.
Commission Decision (EU) 2015/218
Sklep Komisije (EU) 2015/218
on the State aid Nos SA.29786 (ex N 633/09), SA.33296 (11/N), SA.31891 (ex N 553/10), N 241/09, N 160/10 and SA.30995 (ex C 25/10) implemented by Ireland for the restructuring of Allied Irish Banks plc and EBS Building Society
o državni pomoči št.
(notified under document C(2014) 2638)
SA.29786 (ex N 633/2009), SA.33296 (11/N), SA.31891 (ex N 553/10), N 241/09, N 160/10 in SA.30995 (ex C 25/10), ki jo je Irska izvedla za prestrukturiranje družbe Allied Irish Banks plc in družbe EBS Building Society
(Only the English text is authentic)
(notificirano pod dokumentarno številko C(2014) 2638)
Having called on interested parties to submit their comments pursuant to the provisions cited above [1],
ob upoštevanju Sporazuma o Evropskem gospodarskem prostoru in zlasti člena 62(1)(a) Sporazuma,
Whereas:
po pozivu vsem zainteresiranim stranem, naj predložijo svoje pripombe v skladu z navedenima določbama [1],
Allied Irish Banks, plc (‘AIB’) and the EBS Building Society (‘EBS’) have each received State aid individually, which was notified to the Commission in separate procedures.
POSTOPEK
EBS and AIB merged on 1 July 2011 (‘the Bank’), and the Commission assessed the aid granted to the Bank in a separate procedure.
Družba Allied Irish Banks plc (v nadaljnjem besedilu: družba AIB) in družba EBS Building Society (v nadaljnjem besedilu: družba EBS) sta vsaka posebej prejeli državno pomoč, ki je bila Komisiji priglašena v ločenih postopkih.
Hence there are three State aid procedures relating to AIB, EBS and the merged entity, respectively.
Družbi EBS in AIB sta se 1. julija 2011 združili (v nadaljnjem besedilu: banka), Komisija pa je v ločenem postopku ocenila pomoč, ki je bila dodeljena banki.
By decision dated 12 May 2009, the Commission temporarily approved [2] a EUR 3,5 billion capital injection into AIB in the form of Core Tier 1 New Preference Shares, on the basis of several commitments including the submission of a restructuring plan within 6 months following the recapitalisation.
V zvezi z družbama AIB in EBS ter združenim subjektom so bili torej uvedeni trije postopki o državni pomoči.
Following this initial capital injection, the Irish authorities submitted an initial restructuring plan for AIB on 13 November 2009, followed by a number of exchanges.
Komisija je s sklepom z dne 12. maja 2009 začasno odobrila [2] kapitalsko injekcijo v znesku 3,5 milijarde EUR za družbo AIB v obliki novih preferenčnih delnic temeljnega kapitala prvega reda (Core Tier 1) na podlagi več zavez, vključno s predložitvijo načrta prestrukturiranja v šestih mesecih po dokapitalizaciji.
On 4 May 2010, the Irish authorities submitted an updated restructuring plan, which again was followed by a number of exchanges between the Commission and Ireland.
Po tej začetni kapitalski injekciji so irski organi 13. novembra 2009 predložili začetni načrt prestrukturiranja družbe AIB, ki so mu sledile številne izmenjave informacij.
By decision dated 21 December 2010, the Commission temporarily approved [3] a EUR 9,8 billion rescue capital injection in the form of ordinary shares, pending the approval by the Commission of a revised restructuring plan taking into account the further aid provided to AIB.
Irski organi so 4. maja 2010 predložili posodobljeni načrt prestrukturiranja, ki mu je znova sledila obsežna komunikacija med Komisijo in Irsko.
The capital injection was planned to take place in two stages: (i) EUR 3,7 billion to be injected by 31 December 2010, and (ii) EUR 6,1 billion to be injected in February 2011 [4].
Komisija je s sklepom z dne 21. decembra 2010 začasno odobrila [3] sanacijsko kapitalsko injekcijo v znesku 9,8 milijarde EUR v obliki navadnih delnic, dokler ne bo odobrila revidiranega načrta prestrukturiranja ob upoštevanju nadaljnje pomoči, dodeljene družbi AIB.
While the first instalment of the approved recapitalisation was carried out by the Irish State at the end of December 2010, the second injection planned to be undertaken in February 2011 never took place [5].
Kapitalska injekcija naj bi se predvidoma izvedla v dveh korakih: (i) 3,7 milijarde EUR naj bi se vložilo do 31. decembra 2010, (ii) 6,1 milijarde EUR pa do februarja 2011 [4].
By decision dated 2 June 2010 [6], the Commission temporarily authorised a recapitalisation of EBS as emergency aid pending the approval by the Commission of a restructuring plan.
Irska država je prvi obrok odobrene dokapitalizacije plačala konec decembra 2010, drugo plačilo, predvideno februarja 2011, pa ni bilo izvedeno nikoli [5].
The Irish authorities submitted the plan on 31 May 2010.
Komisija je s sklepom z dne 2. junija 2010 [6] začasno odobrila dokapitalizacijo družbe EBS kot izredno pomoč, dokler ne bo odobrila načrta prestrukturiranja.
On 11 October 2010, the Commission decided to initiate the procedure laid down in Article 108(2) of the Treaty on the Functioning of the European Union (‘the Treaty’) with regard to the restructuring plan for EBS submitted by Ireland (‘the Opening Decision’) [7], since the Commission had doubts as to the compatibility of that restructuring plan and the associated aid measures with the internal market in the light of the Commission's Communication on the return to viability and the assessment of restructuring measures in the financial sector in the current financial crisis under the State aid rules [8] (‘the Restructuring Communication’).
Irski organi so načrt predložili 31. maja 2010.
The Commission received comments from EBS and two other interested parties.
Komisija je 11. oktobra 2010 sklenila, da bo začela postopek iz člena 108(2) Pogodbe o delovanju Evropske unije (v nadaljnjem besedilu: Pogodba) v zvezi z načrtom prestrukturiranja družbe EBS, ki ga je predložila Irska (v nadaljnjem besedilu: sklep o začetku postopka) [7], zaradi dvomov, ki jih ima glede združljivosti tega načrta prestrukturiranja in povezanih ukrepov pomoči z notranjim trgom z vidika Sporočila Komisije o ponovni vzpostavitvi uspešnega poslovanja in oceni ukrepov prestrukturiranja v finančnem sektorju v sedanji krizi na podlagi pravil o državni pomoči [8] (v nadaljnjem besedilu: sporočilo o prestrukturiranju).
In July 2011, EBS merged with AIB and became a fully integrated subsidiary of the Bank.
Komisija je prejela pripombe družbe EBS in dveh drugih zainteresiranih strani.
As a result, EBS ceased to exist on a standalone basis.
Družba EBS se je julija 2011 združila z družbo AIB in postala v celoti integrirana hčerinska družba banke.
Therefore, the Opening Decision, which related to EBS as a standalone entity, became nugatory and the Commission decided not pursue the procedure any further.
Družba EBS je tako prenehala obstajati kot samostojni subjekt.
JOINT PROCEDURE
Sklep o začetku postopka v zvezi z družbo EBS kot samostojnim subjektom je tako postal neveljaven in Komisija je sklenila, da bo postopek opustila.
On 31 March 2011, the Irish Minister for Finance announced that the Irish banking system was to be reorganised around two pillar banks, Bank of Ireland (‘BoI’) and AIB [9].
SKUPNI POSTOPEK
He also announced that in that context EBS would be merged into AIB to constitute this second pillar institution.
Irski minister za finance je 31. marca 2011 napovedal reorganizacijo irskega bančnega sistema, ki bo temeljila na dveh osrednjih bankah, tj. banki Bank of Ireland (v nadaljnjem besedilu: banka BoI) in družbi AIB [9].
By decision dated 15 July 2011, the Commission approved [10] a combined rescue package for the Bank of up to EUR 13,1 billion pending the approval of a restructuring plan for the Bank which should take into account the further aid provided.
Poleg tega je napovedal, da se bo pri tem družba EBS združila z družbo AIB in tako postala del te druge osrednje institucije.
On 28 September 2012, Ireland notified a restructuring plan for the Bank [11].
Komisija je s sklepom z dne 15. julija 2011 odobrila [10] združeni sanacijski sveženj za banko v znesku do 13,1 milijarde EUR, dokler ne bo odobrila načrta prestrukturiranja banke, pri katerem je treba upoštevati nadaljnjo dodeljeno pomoč.
Between October 2012 and March 2014, the Commission and the Irish authorities exchanged information regularly.
Irska je 28. septembra 2012 priglasila načrt prestrukturiranja banke [11].
The Commission repeatedly requested information, and Ireland provided a number of supplementary submissions [12].
Komisija in irski organi so si med oktobrom 2012 in marcem 2014 redno izmenjavali informacije.
FACTS
Komisija je večkrat zahtevala informacije, Irska pa je zagotovila številne dopolnilne predložitve [12].
DESCRIPTION OF THE BENEFICIARIES
DEJSTVA
A short summary is provided below.
V obdobju pred finančno krizo je bila družba AIB skupina za različne finančne storitve, ki je ponujala najrazličnejše bančne storitve za posameznike in družbe.
In the years preceding the financial crisis, AIB was a diversified financial services group which offered a full range of personal and corporate banking services.
Leta 2008 je njena bilanca stanja znašala 182 milijard EUR.
In 2008, it had a balance sheet size of EUR 182 billion.
Bila je ena od dveh največjih bank na Irskem, njeni tržni deleži pa so znašali približno 35 % osebnih tekočih računov, 27 % hipotek, 46 % varčevalnih računov in 41 % tekočih računov MSP.
It was one of the two largest banks in Ireland and had market shares of about 35 % of personal current accounts, 27 % of mortgages, 46 % of savings and 41 % of SME current accounts.
Pred navedeno krizo se je družba AIB hitro širila, pri čemer se je zlasti osredotočala na nova posojila irskemu nepremičninskemu trgu in se precej zanašala na grosistične vire financiranja.
Prior to that crisis, AIB expanded fast, with a particular focus on new lending to the Irish property market and a strong reliance on wholesale funding.
Ob izbruhu svetovne finančne krize, ki je zelo močno prizadela irsko gospodarstvo in zlasti irski nepremičninski trg, je ranljivost poslovnega modela družbe AIB postala očitna, potreba po državni pomoči pa neizogibna.
A short summary is provided in the following recitals.
Družba EBS je svojim članom ponujala tradicionalne bančne produkte (varčevanje in hipoteke) v skladu svojimi cilji kot stanovanjska zadruga.
In the years preceding the financial crisis, EBS was Ireland's largest building society and the eighth largest financial institution operating in Ireland with total assets of EUR 21,5 billion in 2009.
Imela je tudi zakladniški oddelek, ki je ponujal elitne storitve korporacijam, strokovnim družbam in kreditnim zadrugam.
Building societies are mutual organisations which have no shareholders but instead are owned by their members, who are also their clients.
Od leta 2005 je družba EBS razširila svoje dejavnosti na posojila za poslovne nepremičnine in v navedenem sektorju ustvarila znaten portfelj posojil.
Their objective is to collect deposits and provide loans.
Družba EBS je škodo utrpela večinoma zaradi gospodarske recesije na Irskem in zlasti zaradi znižanja cen poslovnih nepremičnin.
Profits are used to adapt interest rates to the advantage of the members, or are accumulated as reserves.
Dostop do finančnih sredstev se je postopno zmanjšal, kapital družbe EBS pa se je zaradi obsežnih oslabitev sredstev v portfelju poslovnih in hipotekarnih posojil družbe zmanjšal.
EBS offered traditional retail banking products to its members (savings and mortgages) in line with its goal as a building society.
Družba EBS je od 1. julija 2011 hčerinska družba, ki je v celoti v lasti družbe AIB.
It also had a treasury department offering boutique services to corporate clients, professional firms and credit unions.
Ponuja predvsem hipotekarne in depozitne storitve na irskem trgu.
From 2005 onwards, EBS expanded its activities in commercial property lending, building up a substantial loan book in that segment.
Družba EBS še naprej opravlja dejavnosti v okviru svoje znamke.
EBS suffered from the downturn in the Irish economy at large and in particular from the collapse of commercial real estate prices.
Banka (združeni družbi AIB in EBS)
Access to funding gradually deteriorated and massive impairments on its commercial and mortgage loan books led to a reduction of EBS's capital.
Na podlagi rezultatov ukrepa PCAR/PLAR [15], ki je bil izveden v okviru programa gospodarskega prilagajanja za Irsko (v nadaljnjem besedilu: program) [16] in napovedan 31. marca 2011, je bila opredeljena potreba družbe AIB po kapitalu v višini 13,3 milijarde EUR in potreba družbe EBS po kapitalu v višini 1,5 milijarde EUR (zneska za obe družbi združujeta navaden lastniški kapital [17] in pogojni kapital [18]).
Since 1 July 2011, EBS has been a fully owned subsidiary of AIB.
V skladu s pogoji programa sta morali sodelujoči kreditni instituciji pripraviti načrt dokapitalizacije ob upoštevanju dodatnega kapitala, določenega v okviru ukrepa PCAR/PLAR, in zagotoviti zahtevani znesek kapitala do konca julija 2011.
It offers mainly mortgage and deposit services on the Irish market.
Irski minister za finance je 31. marca 2011 napovedal prestrukturiranje celotnega irskega bančnega sektorja.
EBS continues to operate under its own brand name.
Odločeno je bilo o združitvi družb AIB in EBS, novonastala banka pa naj bi postala temeljna banka reformiranega irskega bančništva.
The Bank (AIB and EBS merged)
Minister ter družbi AIB in EBS so 26. maja 2011 podpisali sporazum o prevzemu, s katerim je družba AIB prevzela družbo EBS (po pretvorbi družbe v zasebno družbo in pridobitvi vseh potrebnih regulativnih odobritev).
The result of the PCAR/PLAR exercise [15], carried out under the Economic Adjustment Programme for Ireland (‘the Programme’) [16] and announced on 31 March 2011, identified a capital need for AIB of EUR 13,3 billion and for EBS of EUR 1,5 billion (for both institutions the figure combines common equity [17] and contingent capital [18]).
V skladu s pogoji iz navedenega sporazuma je družba EBS hčerinska družba, ki je v celoti v lasti družbe AIB in prejema popolno podporo družbe AIB, hkrati pa še naprej opravlja dejavnosti v okviru znamke družbe EBS.
Under the terms of the Programme, the participating credit institutions had to prepare recapitalisation plans to comply with the additional capital specified by the PCAR/PLAR and the required amount of capital had to be in place by the end of July 2011.
Združitev subjektov je vključevala demutualizacijo družbe EBS in njeno pretvorbo v institucijo s polnim dovoljenjem za opravljanje bančnih storitev, nato pa je družba AIB prevzela njen osnovni kapital kot simbolični prispevek.
On 31 March 2011, the Irish Minister for Finance announced the restructuring of the whole Irish banking sector.
Združitev se je končala 1. julija 2011, potem ko je bila 27. junija 2011 pridobljena odobritev za nadzor nad združevanjem.
It was decided to merge AIB and EBS; the thus newly created Bank was to become a pillar bank of the reformed Irish banking landscape.
Od 15. julija 2011 je 99,8 % osnovnega kapitala banke v lasti irske države.
On 26 May 2011, the Minister, AIB and EBS signed an acquisition agreement providing for the acquisition by AIB of EBS (following its conversion into a private company and receipt of all requisite regulatory approvals).
Banka je univerzalna banka, ki deluje predvsem na Irskem ter prek obsežnega distribucijskega omrežja ponuja veliko bančnih produktov in storitev.
Under the terms of this agreement, EBS is a fully owned subsidiary and benefits from AIB's full support while continuing to operate under the EBS brand.
Poročanje o tej novi podlagi se je začelo leta 2013.
The merger of the two entities involved the demutualisation of EBS and its conversion into a fully licensed bank, followed by the acquisition by AIB of its share capital for a nominal consideration.
Osrednja domača banka zagotavlja storitve prek številnih kanalov, ki vključujejo 274 podružnic [19].
The Bank is positioned as a full-service bank, primarily focused on Ireland and offering a wide range of banking products and services through an extensive distribution network.
Družba EBS deluje v okviru strukture osrednje domače banke.
The Bank has a limited overseas presence in Great Britain.
Ima svoje dovoljenje za opravljanje bančnih storitev in deluje kot hčerinska družba s svojo blagovno znamko in lastno mrežo podružnic.
In the latter part of 2012 AIB commenced organ ising its internal structure to a more customer centric model comprising the following key segments: Domestic Core Bank, AIB UK and Financial Solutions Group (‘FSG’).
Opravlja predvsem hipotekarne in depozitne storitve.
Reporting on this new segment basis commenced in 2013.
Družba AIB UK posluje v Veliki Britaniji in Severni Irski.
The Domestic Core Bank operates through a range of delivery channels comprising 274 branches [19].
V Veliki Britaniji banka posluje pod poslovnim imenom Allied Irish Bank (GB) in ponuja celovite bančne storitve prek 20 univerzalnih podružnic, ponuja pa tudi spletno bančništvo.
The branch network is under restructuring and the closure of a number of branches is ongoing.
Glavni ciljni trgi so MSP.
The Bank also provides banking services through the national post offices.
Banka pod znamko Allied Irish Bank (GB) Savings Direct zagotavlja tudi depozitne storitve [20].
EBS is managed within the Domestic Core Bank structure.
Družba AIB UK posluje v Severni Irski pod poslovnim imenom First Trust Bank in prek 32 podružnic.
It maintains its own banking licence and operates as a separately branded subsidiary retaining its own branch network.
Družbam in posameznikom zagotavlja celovite bančne storitve.
Its focus is on the mortgage and deposit business.
Skupina za finančne rešitve je bila vzpostavljena leta 2012, da bi pomagala družbam in zasebnim strankam, ki imajo težave pri izpolnjevanju svojih posojilnih obveznosti, ter izvajala načrt za zmanjšanje finančnega vzvoda premoženja.
AIB UK operates in Great Britain and Northern Ireland.
Banka je danes skupaj z bankama BoI in Permanent TSB (v nadaljnjem besedilu: banka PTSB) ena od treh velikih domačih bank na Irskem.
In Great Britain, the Bank operates under the trading name Allied Irish Bank (GB) and offers a full banking service through 20 full service branches as well as online banking.
Skupno premoženje banke je 31. decembra 2013 znašalo 118 milijard EUR, medtem ko je na isti dan skupno premoženje banke BoI znašalo 132 milijard EUR, skupno premoženje banke PTSB pa 38 milijard EUR.
The main target markets are SMEs.
Banka je skupina, ki ponuja različne finančne storitve ter najrazličnejše osebne in poslovne bančne storitve ter se pri tem osredotoča na irski trg bančnih storitev za prebivalstvo.