natgillin/translations-raw huggingface dataset:
Notwithstanding the initial capital requirements set out in Article 7, Member States shall require payment institutions, except those offering only services as referred to in point (7) or (8), or both, of Annex I, to hold, at all times, own funds calculated in accordance with one of the following three methods, as determined by the competent authorities in accordance with national legislation:
4,0 % obsega plačil do 5 milijonov EUR,
Method A
2,5 % obsega plačil od 5 milijonov EUR do 10 milijonov EUR,
The payment institution’s own funds shall amount to at least 10 % of its fixed overheads of the preceding year.
1 % obsega plačil od 10 milijonov EUR do 100 milijonov EUR,
The competent authorities may adjust that requirement in the event of a material change in a payment institution’s business since the preceding year.
0,5 % obsega plačil od 100 milijonov EUR do 250 milijonov EUR,
Where a payment institution has not completed a full year’s business at the date of the calculation, the requirement shall be that its own funds amount to at least 10 % of the corresponding fixed overheads as projected in its business plan, unless an adjustment to that plan is required by the competent authorities.
0,25 % obsega plačil nad 250 milijonov EUR.
The payment institution’s own funds shall amount to at least the sum of the following elements multiplied by the scaling factor k defined in paragraph 2, where payment volume (PV) represents one twelfth of the total amount of payment transactions executed by the payment institution in the preceding year:
Kapital plačilne institucije mora biti enak najmanj ustreznemu indikatorju, opredeljenemu v točki (a), pomnoženemu z množiteljem, opredeljenim v točki (b), in faktorjem za uravnoteženje „k“, opredeljenim v odstavku 2.
4,0 % of the slice of PV up to EUR 5 million;
Ustrezni indikator je enak vsoti:
plus
prihodkov od obresti;
2,5 % of the slice of PV above EUR 5 million up to EUR 10 million;
odhodkov iz naslova obresti;
1 % of the slice of PV above EUR 10 million up to EUR 100 million;
prejetih provizij in nadomestil ter
0,5 % of the slice of PV above EUR 100 million up to EUR 250 million;
drugih poslovnih prihodkov.
0,25 % of the slice of PV above EUR 250 million.
Vsak element se vključi v vsoto s svojim pozitivnim ali negativnim predznakom.
Method C
Za izračun ustreznega indikatorja se ne smejo upoštevati prihodki iz izrednih ali občasnih postavk.
The payment institution’s own funds shall amount to at least the relevant indicator defined in point (a), multiplied by the multiplication factor defined in point (b) and by the scaling factor k defined in paragraph 2.
Ustrezni indikator se lahko zmanjša za odhodke iz naslova storitev, ki jih izvajajo tretje osebe, če stroški bremenijo podjetje, ki je predmet nadzora v skladu s to direktivo.
The relevant indicator is the sum of the following:
Ustrezni indikator se izračuna na podlagi podatkov za dvanajstmesečno obdobje ob koncu preteklega poslovnega leta.
interest income;
Ustrezni indikator se izračuna za preteklo poslovno leto.
interest expenses;
Kapital, izračunan po metodi C, kljub temu ne sme biti nižji od 80 % povprečja ustreznega indikatorja za pretekla tri poslovna leta.
commissions and fees received; and
Ko revidirani podatki niso na voljo, se lahko uporabijo poslovne ocene.
other operating income.
Množitelj je enak:
Each element shall be included in the sum with its positive or negative sign.
10 % ustreznega indikatorja do 2,5 milijona EUR;
Income from extraordinary or irregular items shall not be used in the calculation of the relevant indicator.
8 % ustreznega indikatorja od 2,5 milijona EUR do 5 milijonov EUR;
Expenditure on the outsourcing of services rendered by third parties may reduce the relevant indicator if the expenditure is incurred from an undertaking subject to supervision under this Directive.
6 % ustreznega indikatorja od 5 milijona EUR do 25 milijonov EUR;
The relevant indicator is calculated on the basis of the 12-monthly observation at the end of the previous financial year.
3 % ustreznega indikatorja od 25 milijonov EUR do 50 milijonov EUR;
The relevant indicator shall be calculated over the previous financial year.
1,5 % ustreznega indikatorja nad 50 milijonov EUR.
Nevertheless own funds calculated according to Method C shall not fall below 80 % of the average of the previous 3 financial years for the relevant indicator.
Faktor za uravnoteženje „k“, ki se uporabi pri metodah B in C, je enak:
When audited figures are not available, business estimates may be used.
0,5 kadar plačilna institucija opravlja le plačilne storitve iz točke (6) Priloge I;
The multiplication factor shall be:
1 kadar plačilna institucija opravlja plačilne storitve iz katere koli od točk (1) do (5) Priloge I.
10 % of the slice of the relevant indicator up to EUR 2,5 million;
Pristojni organi lahko na podlagi ocene postopkov za upravljanje tveganj, podatkovnih zbirk o tveganju izgub in mehanizmov notranjega nadzora plačilne institucije od te plačilne institucije zahtevajo, da ima kapital, ki je do 20 % višji od zneska, izračunanega po metodi, izbrani v skladu z odstavkom 1, ali ji dovolijo, da ima kapital, ki je do 20 % nižji od zneska, izračunanega po metodi, izbrani v skladu z odstavkom 1.
8 % of the slice of the relevant indicator from EUR 2,5 million up to EUR 5 million;
Člen 10
6 % of the slice of the relevant indicator from EUR 5 million up to EUR 25 million;
Zahteve glede varstva denarnih sredstev
3 % of the slice of the relevant indicator from EUR 25 million up to 50 million;
Države članice ali pristojni organi od plačilne institucije, ki opravlja plačilne storitve iz točk (1) do (6) Priloge I, zahtevajo, da zavaruje vsa denarna sredstva, ki jih prejme od uporabnikov plačilnih storitev oziroma prek drugega ponudnika plačilnih storitev za izvršitev plačilnih transakcij na enega od naslednjih načinov:
1,5 % above EUR 50 million.
denarna sredstva se nikoli ne smejo voditi skupaj s sredstvi fizične ali pravne osebe, ki ni uporabnik plačilnih storitev, v imenu katerega se sredstva vodijo, in se – kadar jih še vedno hrani plačilna institucija ter do izteka delovnega dne, ki sledi dnevu prejema sredstev, še niso bila prenesena prejemniku plačila ali drugemu ponudniku plačilnih storitev – položijo na poseben račun pri kreditni instituciji ali naložijo v varna, likvidna sredstva z nizkim tveganjem, kot jih opredelijo pristojni organi matične države članice, ter so v skladu z nacionalno zakonodajo v korist uporabnikov plačilnih storitev izvzeta iz zahtevkov drugih upnikov plačilne institucije, zlasti v primeru insolventnosti;
The scaling factor k to be used in Methods B and C shall be:
sredstva so krita z zavarovalno pogodbo ali drugim primerljivim jamstvom, sklenjenim z zavarovalnico ali kreditno institucijo, ki ne spada v isto skupino kot plačilna institucija, in sicer za znesek, enakovreden tistemu, ki bi bil sicer ločen, če ga ne bi krila zavarovalna pogodba ali primerljivo jamstvo, izplačljivo v primeru, da plačilna institucija ne more izpolniti svojih finančnih obveznosti.
0,5 where the payment institution provides only the payment service as referred to in point (6) of Annex I;
Kadar se od plačilne institucije zahteva, da zavaruje sredstva v skladu z odstavkom 1, in se del teh sredstev uporabi za prihodnje plačilne transakcije, ob tem pa se preostali znesek uporablja za storitve, ki niso plačilne storitve, tudi za ta del sredstev, prejetih za prihodnje plačilne transakcije, veljajo zahteve iz odstavka 1.
1 where the payment institution provides any of the payment services as referred to in any of points (1) to (5) of Annex I.
Kadar se ta del spreminja ali ni vnaprej znan, države članice plačilnim institucijam omogočijo, da ta odstavek uporabljajo na podlagi reprezentativnega deleža, ki bo predvidoma uporabljen za plačilne storitve, če se lahko tak reprezentativni delež po mnenju pristojnih organov zadostno in zadovoljivo oceni na podlagi preteklih podatkov.
The competent authorities may, based on an evaluation of the risk-management processes, risk loss data base and internal control mechanisms of the payment institution, require the payment institution to hold an amount of own funds which is up to 20 % higher than the amount which would result from the application of the method chosen in accordance with paragraph 1, or permit the payment institution to hold an amount of own funds which is up to 20 % lower than the amount which would result from the application of the method chosen in accordance with paragraph 1.
Člen 11
Article 10
Izdaja dovoljenja
Safeguarding requirements
Države članice od podjetij, ki niso podjetja iz točk (a), (b), (c), (e) in (f) člena 1(1) ter niso fizične ali pravne osebe, ki jim je bila odobrena izjema na podlagi člena 32 ali 33, in nameravajo opravljati plačilne storitve, zahtevajo, da pred začetkom opravljanja plačilnih storitev pridobijo dovoljenje za poslovanje kot plačilna institucija.
The Member States or competent authorities shall require a payment institution which provides payment services as referred to in points (1) to (6) of Annex I to safeguard all funds which have been received from the payment service users or through another payment service provider for the execution of payment transactions, in either of the following ways:
Dovoljenje se izda le pravnim osebam s sedežem v državi članici.
funds shall not be commingled at any time with the funds of any natural or legal person other than payment service users on whose behalf the funds are held and, where they are still held by the payment institution and not yet delivered to the payee or transferred to another payment service provider by the end of the business day following the day when the funds have been received, they shall be deposited in a separate account in a credit institution or invested in secure, liquid low-risk assets as defined by the competent authorities of the home Member State; and they shall be insulated in accordance with national law in the interest of the payment service users against the claims of other creditors of the payment institution, in particular in the event of insolvency;
Pristojni organi izdajo dovoljenje, če informacije in dokazila, ki so priloženi zahtevi za izdajo dovoljenja, izpolnjujejo vse zahteve iz člena 5, in če je splošna ocena pristojnih organov po pregledu zahteve ugodna.
funds shall be covered by an insurance policy or some other comparable guarantee from an insurance company or a credit institution, which does not belong to the same group as the payment institution itself, for an amount equivalent to that which would have been segregated in the absence of the insurance policy or other comparable guarantee, payable in the event that the payment institution is unable to meet its financial obligations.
Pred izdajo dovoljenja se lahko pristojni organi po potrebi posvetujejo z nacionalno centralno banko ali drugimi relevantnimi javnimi organi.
Where a payment institution is required to safeguard funds under paragraph 1 and a portion of those funds is to be used for future payment transactions with the remaining amount to be used for non-payment services, that portion of the funds to be used for future payment transactions shall also be subject to the requirements of paragraph 1.
Plačilna institucija, ki mora imeti v skladu z nacionalnim pravom matične države članice registriran sedež, ima glavni sedež v isti državi članici kot registrirani sedež in tam opravlja vsaj del svojih plačilnih storitev.
Where that portion is variable or not known in advance, Member States shall allow payment institutions to apply this paragraph on the basis of a representative portion assumed to be used for payment services provided such a representative portion can be reasonably estimated on the basis of historical data to the satisfaction of the competent authorities.
Glede na potrebo po zagotovitvi preudarnega in skrbnega upravljanja plačilne institucije, pristojni organi dovoljenje izdajo le, če ima plačilna institucija stabilno ureditev upravljanja za svoje plačilne storitve, ki vključuje jasno organizacijsko strukturo z natančno opredeljeno, pregledno in dosledno delitvijo odgovornosti, učinkovitimi postopki za ugotavljanje, upravljanje in spremljanje tveganj ter poročanje o tveganjih, ki jim je ali bi jim lahko bila izpostavljena, ter primerne mehanizme notranje kontrole, vključno z zanesljivimi administrativnimi in računovodskimi postopki; te ureditve, postopki in mehanizmi so izčrpni in v sorazmerju z naravo, obsegom in kompleksnostjo plačilnih storitev, ki jih opravlja plačilna institucija.
Article 11
Kadar plačilna institucija poleg plačilnih storitev iz točk (1) do (7) Priloge I istočasno opravlja tudi druge poslovne dejavnosti, lahko pristojni organi zahtevajo ustanovitev ločenega subjekta za opravljanje dejavnosti plačilnih storitev, kadar dejavnosti plačilne institucije, ki niso plačilne storitve, škodujejo ali utegnejo škodovati bodisi finančni stabilnosti plačilne institucije bodisi zmožnosti pristojnih organov za spremljanje, kako plačilna institucija izpolnjuje svoje obveznosti, določene v tej direktivi.
Granting of authorisation
Pristojni organi zavrnejo izdajo dovoljenja, če se jim delničarji ali družbeniki, ki so imetniki kvalificiranih deležev, z vidika zagotavljanja preudarnega in skrbnega upravljanja plačilne institucije ne zdijo primerni.
Member States shall require undertakings other than those referred to in points (a), (b), (c), (e) and (f) of Article 1(1) and other than natural or legal persons benefiting from an exemption pursuant to Article 32 or 33, who intend to provide payment services, to obtain authorisation as a payment institution before commencing the provision of payment services.
Kadar med plačilno institucijo in drugimi fizičnimi ali pravnimi osebami obstaja tesna povezanost, kakor je opredeljena v točki (38) člena 4(1) Uredbe (EU) št. 575/2013, pristojni organi izdajo dovoljenje le, če ta povezanost ne preprečuje učinkovitega izvajanja njihovih nadzornih funkcij.
An authorisation shall only be granted to a legal person established in a Member State.
Pristojni organi prav tako izdajo dovoljenje le, če zakoni in drugi predpisi v tretji državi, ki veljajo za eno ali več fizičnih ali pravnih oseb, s katerimi je plačilna institucija tesno povezana, ali težave pri izvrševanju navedenih zakonov in drugih predpisov ne preprečujejo učinkovitega izvajanja nadzornih funkcij pristojnih organov.
Competent authorities shall grant an authorisation if the information and evidence accompanying the application complies with all of the requirements laid down in Article 5 and if the competent authorities’ overall assessment, having scrutinised the application, is favourable.
Dovoljenje velja v vseh državah članicah in zadevni plačilni instituciji omogoča opravljanje plačilnih storitev, za katere velja dovoljenje po vsej Uniji, na podlagi svobode opravljanja storitev ali na podlagi pravice do ustanavljanja.
Before granting an authorisation, the competent authorities may, where relevant, consult the national central bank or other relevant public authorities.
Člen 12
A payment institution which, under the national law of its home Member State is required to have a registered office, shall have its head office in the same Member State as its registered office and shall carry out at least part of its payment service business there.
Obvestilo o odločitvi
The competent authorities shall grant an authorisation only if, taking into account the need to ensure the sound and prudent management of a payment institution, the payment institution has robust governance arrangements for its payment services business, which include a clear organisational structure with well-defined, transparent and consistent lines of responsibility, effective procedures to identify, manage, monitor and report the risks to which it is or might be exposed, and adequate internal control mechanisms, including sound administrative and accounting procedures; those arrangements, procedures and mechanisms shall be comprehensive and proportionate to the nature, scale and complexity of the payment services provided by the payment institution.
Pristojni organi v treh mesecih od prejema zahteve ali, če je zahteva nepopolna, od prejema vseh informacij, potrebnih za sprejetje odločitve, obvestijo vložnika, ali je dovoljenje izdano ali zavrnjeno.
Where a payment institution provides any of the payment services as referred to in points (1) to (7) of Annex I and, at the same time, is engaged in other business activities, the competent authorities may require the establishment of a separate entity for the payment services business, where the non-payment services activities of the payment institution impair or are likely to impair either the financial soundness of the payment institution or the ability of the competent authorities to monitor the payment institution’s compliance with all obligations laid down by this Directive.
Pristojni organi zavrnitev zahteve obrazložijo.
The competent authorities shall refuse to grant an authorisation if, taking into account the need to ensure the sound and prudent management of a payment institution, they are not satisfied as to the suitability of the shareholders or members that have qualifying holdings.
Člen 13
Where close links as defined in point (38) of Article 4(1) of Regulation (EU) No 575/2013 exist between the payment institution and other natural or legal persons, the competent authorities shall grant an authorisation only if those links do not prevent the effective exercise of their supervisory functions.
Odvzem dovoljenja
The competent authorities shall grant an authorisation only if the laws, regulations or administrative provisions of a third country governing one or more natural or legal persons with which the payment institution has close links, or difficulties involved in the enforcement of those laws, regulations or administrative provisions, do not prevent the effective exercise of their supervisory functions.
Pristojni organi lahko plačilni instituciji odvzamejo izdano dovoljenje le, če institucija:
An authorisation shall be valid in all Member States and shall allow the payment institution concerned to provide the payment services that are covered by the authorisation throughout the Union, pursuant to the freedom to provide services or the freedom of establishment.
v 12 mesecih dovoljenja ne uporabi, dovoljenje izrecno odkloni ali več kot šest mesecev ne posluje, če zadevna država članica ni določila, da dovoljenje v takih primerih preneha veljati;
Article 12
pridobi dovoljenje na podlagi neresničnih podatkov ali na kakršen koli drug nepravilen način;
Communication of the decision
ne izpolnjuje več pogojev za izdajo dovoljenja ali ne obvesti pristojnega organa o večjih spremembah glede izpolnjevanja pogojev;
Within 3 months of receipt of an application or, if the application is incomplete, of all of the information required for the decision, the competent authorities shall inform the applicant whether the authorisation is granted or refused.
bi z nadaljnjim opravljanjem plačilnih storitev ogrozila stabilnost plačilnega sistema ali zaupanje vanj; ali
The competent authority shall give reasons where it refuses an authorisation.
zanjo velja eden od drugih primerov, za katere nacionalna zakonodaja predpisuje odvzem dovoljenja.
Article 13
Pristojni organi vsak odvzem dovoljenja obrazložijo in o tem ustrezno obvestijo zadevne osebe.
Withdrawal of authorisation
Pristojni organi objavijo odvzem dovoljenja, tudi v registrih iz členov 14 in 15.
The competent authorities may withdraw an authorisation issued to a payment institution only if the institution:
Člen 14
does not make use of the authorisation within 12 months, expressly renounces the authorisation or has ceased to engage in business for more than 6 months, if the Member State concerned has made no provision for the authorisation to lapse in such cases;
Registracija v matični državi članici
has obtained the authorisation through false statements or any other irregular means;
Države članice vzpostavijo javni register, v katerega se vnese naslednje
no longer meets the conditions for granting the authorisation or fails to inform the competent authority on major developments in this respect;
plačilne institucije, ki imajo dovoljenje za opravljanje plačilnih storitev, in njihovi zastopniki;
would constitute a threat to the stability of or the trust in the payment system by continuing its payment services business; or
fizične in pravne osebe, ki jim je bila odobrena izjema na podlagi člena 32 ali 33, in njihovi zastopniki in
falls within one of the other cases where national law provides for withdrawal of an authorisation.
institucije iz člena 2(5), ki so na podlagi nacionalnega prava upravičene opravljati plačilne storitve.
The competent authority shall give reasons for any withdrawal of an authorisation and shall inform those concerned accordingly.
Podružnice plačilnih institucij se vnesejo v register matične države, če te podružnice opravljajo storitve v državi članici, ki ni njihova matična država članica.
The competent authority shall make public the withdrawal of an authorisation, including in the registers referred to in Articles 14 and 15.
V javnem registru so opredeljene plačilne storitve, za katere je bilo plačilni instituciji izdano dovoljenje ali za katere je fizična ali pravna oseba registrirana.
Article 14
Plačilne institucije, ki imajo dovoljenje za opravljanje plačilnih storitev, so v registru navedene ločeno od fizičnih in pravnih oseb, za katere velja izjema na podlagi člena 32 ali 33.
Registration in the home Member State
Register je na vpogled javnosti in dostopen prek spleta ter se redno posodablja.
Member States shall establish a public register in which the following are entered:
Pristojni organi v javni register vnesejo vsak odvzem dovoljenja in vsak preklic izjeme, odobrene na podlagi člena 32 ali 33.
authorised payment institutions and their agents;
Pristojni organi uradno obvestijo EBA o razlogih za vsak odvzem dovoljenja in vsak preklic izjeme, odobrene na podlagi člena 32 ali 33.
natural and legal persons benefiting from an exemption pursuant to Article 32 or 33, and their agents; and
Člen 15
the institutions referred to in Article 2(5) that are entitled under national law to provide payment services.
Register EBA
Branches of payment institutions shall be entered in the register of the home Member State if those branches provide services in a Member State other than their home Member State.
EBA vzpostavi, upravlja in vodi elektronski centralni register, v katerem so informacije, ki mu jih uradno sporočijo pristojni organi v skladu z odstavkom 2.
The public register shall identify the payment services for which the payment institution is authorised or for which the natural or legal person has been registered.
EBA je odgovoren za točno predstavitev teh informacij.
Authorised payment institutions shall be listed in the register separately from natural and legal persons benefiting from an exemption pursuant to Article 32 or 33.
EBA zagotovi, da je register na njegovih spletnih straneh brezplačno na voljo javnosti ter omogoči enostaven dostop do informacij in enostavno iskanje teh informacij.
The register shall be publicly available for consultation, accessible online, and updated without delay.
Pristojni organi EBA nemudoma uradno obvestijo o informacijah, ki se vnesejo v njihove javne registre, kakor je navedeno v členu 14 v jeziku, ki se običajno uporablja na področju financ.
Competent authorities shall enter in the public register any withdrawal of authorisation and any withdrawal of an exemption pursuant to Article 32 or 33.
Pristojni organi so odgovorni za točnost informacij, navedenih v odstavku 2, in redno posodabljanje teh informacij.
Competent authorities shall notify EBA of the reasons for the withdrawal of any authorisation and of any exemption pursuant to Article 32 or 33
EBA pripravi osnutke regulativnih tehničnih standardov, s katerimi določi tehnične zahteve za vzpostavitev, upravljanje in vodenje elektronskega centralnega registra ter dostop do informacij, ki jih vsebuje.
Article 15
Tehnične zahteve zagotovijo, da lahko informacije spremenita le pristojni organ in EBA.
EBA register
EBA te osnutke regulativnih tehničnih standardov predloži Komisiji do 13. januarja 2018.