natgillin/translations-raw huggingface dataset:
Council Regulation (EC) No 659/1999 of 22 March 1999 laying down detailed rules for the application of Article 108 of the treaty on the functioning of the European Union (OJ L 83, 27.3.1999, p.
Nakupna cena torej ni bila financirana z državno pomočjo.
Commission Decision (EU) 2015/455
Sklep Komisije (EU) 2015/455
on the State aid SA.34826 (2012/C), SA.36005 (2013/NN) implemented by Greece for Piraeus Bank Group relating to the recapitalisation and restructuring of Piraeus Bank SA
o državni pomoči SA.34826 (2012/C), SA.36005 (2013/NN), ki jo je Grčija odobrila Piraeus Bank Group v zvezi z dokapitalizacijo in prestrukturiranjem Piraeus Bank S.A.
(notified under document C(2014) 5217)
(notificirano pod dokumentarno številko C(2014) 5217)
PROCEDURE RELATED TO PIRAEUS BANK
POSTOPEK V ZVEZI Z BANKO PIRAEUS BANK
By decision of 19 November 2008 the Commission approved a scheme entitled ‘Support Measures for the Credit Institutions in Greece’ (the ‘Greek Banks Support Scheme’) designed to ensure the stability of the Greek financial system.
Komisija je z odločbo z dne 19. novembra 2008 odobrila shemo z naslovom „Ukrepi podpore za kreditne institucije v Grčiji“ (v nadaljnjem besedilu: program pomoči grškim bankam), namenjeno zagotavljanju stabilnosti grškega finančnega sistema.
The Greek Banks Support Scheme allows for aid to be granted under its three constituent measures, a recapitalisation measure, a guarantee measure and a government bond loan measure [2].
Program pomoči grškim bankam omogoča dodelitev pomoči na podlagi treh ukrepov, ki ga sestavljajo, tj. ukrepa dokapitalizacije, ukrepa jamstva in ukrepa državnih obligacijskih posojil [2].
In May 2009, Piraeus Bank (‘the Bank’ [3]) was recapitalised by Greece under the recapitalisation measure.
Grčija je maja 2009 na podlagi ukrepa dokapitalizacije dokapitalizirala banko Piraeus Bank (v nadaljnjem besedilu: banka Piraeus [3]).
Recital 14 of the Decision of 19 November 2008 recorded that a restructuring plan would be notified to the Commission in respect of the beneficiaries of the recapitalisation measure.
V uvodni izjavi 14 odločbe z dne 19. novembra 2008 je navedeno, da bo Komisiji predložen načrt prestrukturiranja v zvezi z upravičenci do ukrepa dokapitalizacije.
On 23 July 2010, the Greek authorities submitted a restructuring plan to the Commission.
Grški organi so 23. julija 2010 Komisiji predložili načrt prestrukturiranja.
The Commission registered that plan and its subsequent updates as well as additional information submitted by the Greek authorities as Case SA.30342 (PN 26/2010) and then Case SA.32787 (2011/PN).
Komisija je navedeni načrt in njegove naknadne posodobitve ter dodatne informacije, ki so jih predložili grški organi, evidentirala kot zadevo SA.30342 (PN 26/2010) in nato kot zadevo SA.32787 (2011/PN).
The Bank has repeatedly benefited from State guarantees and government bond loans under the Greek Banks Support Scheme [4].
Banka Piraeus je bila na podlagi programa pomoči grškim bankam večkrat upravičena do državnih jamstev in državnih obligacijskih posojil [4].
It also benefited from State-guaranteed emergency liquidity assistance ( ‘State-guaranteed ELA’).
Upravičena je bila tudi do izredne likvidnostne pomoči z državnim jamstvom (v nadaljnjem besedilu: ELA z državnim jamstvom).
On 20 April 2012, the Hellenic Financial Stability Fund (‘HFSF’) provided the Bank with a letter committing to participate in a planned share capital increase of the Bank.
Grški sklad za finančno stabilnost (v nadaljnjem besedilu: GSFS) je 20. aprila 2012 banki Piraeus izdal pismo, s katerim se je zavezal, da bo udeležen pri načrtovanem povečanju njenega delniškega kapitala.
On 28 May 2012, the HFSF granted a bridge recapitalisation of EUR 4700 million to the Bank (‘the first bridge recapitalisation’).
GSFS je 28. maja 2012 banki Piraeus odobril premostitveno dokapitalizacijo v višini 4700 milijonov EUR (v nadaljnjem besedilu: prva premostitvena dokapitalizacija).
On 10 May 2012, the Greek authorities formally notified to the Commission the commitment letter that had been provided by the HFSF to the Bank.
Grški organi so 10. maja 2012 Komisijo uradno obvestili o pismu o zavezi, ki ga je GSFS izdal za banko Piraeus.
The Commission registered it as a non-notified aid (Case SA.34826 (2012/NN)) as the measure had already been implemented.
Ker je bil ukrep že izveden, ga je Komisija evidentirala kot nepriglašeno pomoč (zadeva SA.34826 (2012/NN)).
By decision of 27 July 2012, the Commission opened a formal investigation procedure on the first bridge recapitalisation (‘the Piraeus Opening Decision’) [5].
Komisija je s sklepom z dne 27. julija 2012 začela formalni postopek preiskave v zvezi s prvo premostitveno dokapitalizacijo (v nadaljnjem besedilu: sklep o začetku postopka Piraeus) [5].
In December 2012, the HFSF granted a second bridge recapitalisation of EUR 1553 million to the Bank (‘the second bridge recapitalisation’).
GSFS je decembra 2012 banki Piraeus odobril drugo premostitveno dokapitalizacijo v višini 1553 milijonov EUR (v nadaljnjem besedilu: druga premostitvena dokapitalizacija).
On 21 December 2012, the HFSF also provided the Bank with a commitment letter for its participation in a share capital increase of the Bank and in convertible capital instruments to be issued, for a total amount of up to EUR 1082 million [6].
21. decembra 2012 je banki Piraeus tudi izdal pismo o zavezi, s katerim se je zavezal, da bo udeležen pri povečanju delniškega kapitala banke in zamenljivih kapitalskih instrumentih, ki bodo izdani, v skupnem znesku do 1082 milijonov EUR [6].
The Greek authorities notified those measures to the Commission on 20 December 2012 [7].
Grški organi so navedene ukrepe Komisiji priglasili 20. decembra 2012 [7].
In September 2012, the Bank announced its intention to acquire Geniki from Société Générale S.A.
Banka Piraeus je septembra 2012 sporočila, da namerava od družbe Société Générale S.A. (v nadaljnjem besedilu: družba Société Générale) prevzeti banko Geniki.
(‘Société Générale’).
Komisija je med septembrom in oktobrom opravila številne telekonference in izmenjave elektronske pošte s predstavniki grških organov in banke Piraeus v zvezi s prevzemom banke Geniki.
During September and October, the Commission had numerous teleconferences and electronic mail exchanges with representatives of the Greek authorities and the Bank with respect to the acquisition of Geniki.
Banka Piraeus je 19. oktobra 2012 z družbo Société Générale podpisala pogodbo o nakupu delnic v zvezi s prevzemom celotnega deleža družbe Société Générale (99,08 %) v banki Geniki.
On 19 October 2012, the Bank signed a share purchase agreement with Société Générale regarding the acquisition of Société Générale’s total stake (99.08 %) in Geniki.
Službe Komisije so 12. decembra 2012 Grčiji poslale dopis, ki je vključeval predhodno oceno prevzema banke Geniki.
On 12 December 2012, the Commission services sent a letter to Greece including their preliminary assessment of the acquisition of Geniki.
Banka Piraeus je 26. februarja 2013 obvestila Komisijo o svojih namenih prevzema Millennium Bank Greece S.A. (v nadaljnjem besedilu: banka MBG).
On 26 February 2013, the Bank informed the Commission of its intentions to acquire Millennium Bank Greece S.A.
Komisija je opravila več telekonferenc in izmenjav elektronske pošte z grškimi organi in banko Piraeus v zvezi s prevzemom banke MBG.
(‘MBG’).
Službe Komisije so 25. marca 2013 Grčiji poslale dopis, ki je vključeval predhodno oceno prevzema banke MBG.
The Commission had several teleconferences and electronic mail exchanges with the Greek authorities and the Bank with respect to the acquisition of MBG.
Banka Piraeus je 22. aprila 2013 sporočila, da je sklenila pogodbo z Millennium Banco Comercial Portugues (v nadaljnjem besedilu: banka BCP) v zvezi s prevzemom celotnega delniškega kapitala banke MBG in udeležbo banke BCP v prihodnjem povečanju kapitala banke Piraeus.
In addition private investors injected EUR 1444 million.
Komisija je med upravnim postopkom opravila številne sestanke, telekonference in izmenjave elektronske pošte s predstavniki grških organov in banke Piraeus.
The total recapitalisation amounted to EUR 8429 million and is referred to as ‘the Spring 2013 recapitalisation’.
Grčija je privolila, da se ta sklep izjemoma sprejme samo v angleškem jeziku.
On 19 December 2013, the Greek authorities submitted information to the Commission regarding the terms of the Spring 2013 recapitalisation.
POSTOPEK V ZVEZI S PREVZETIMI PODJETJI
The Greek authorities submitted a final restructuring plan for the Bank (‘the restructuring plan’) to the Commission on 25 June 2014.
Postopek v zvezi z banko ATE
On the same date they provided information on the State-guaranteed ELA.
Grčija je aprila 2011 dokapitalizirala banko ATE s 1445 milijoni EUR (znesek, ki je vključeval 675 milijonov EUR, prvotno odobrenih na podlagi grške sheme dokapitalizacije).
They indicated that they intend to continue providing the Bank with such liquidity support, as well as State guarantees on debt instruments and government bond loans under the Greek Banks Support Scheme.
Grčija je 29. decembra 2011 sodelovala pri novi izdaji delnic s pravico prednostnega nakupa banke ATE v višini 290 milijonov EUR.
During the administrative process, the Commission has had numerous meetings, teleconferences and electronic mail exchanges with representatives of the Greek authorities and the Bank.
Grčija je 22. marca 2012 predložila poročilo Banke Grčije, v katerem je bilo predlagano reševanje banke ATE s postopkom nakupa in prevzema [9] izbranih sredstev in obveznosti banke ATE (v nadaljnjem besedilu: prenesene dejavnosti banke ATE), medtem ko bi bila preostala sredstva in obveznosti rešeni prek slabe banke.
Greece accepts that exceptionally the present decision is adopted in the English language only.
Banka Piraeus je julija 2012 napovedala prevzem s pripojitvijo dobrega dela banke ATE, ki je bila dana v likvidacijo.
PROCEDURE RELATED TO THE ACQUIRED BUSINESSES
GSFS se je takrat zavezal, da bo kril kapitalske potrebe banke Piraeus, izhajajoče iz pridobljenih sredstev.
Furthermore ATE received liquidity support amounting to EUR 6103 million.
Poleg tega je ugotovila, da bi bila pomoč združljiva z notranjim trgom, če načrt prestrukturiranja banke Piraeus, ki zdaj vključuje prenesene dejavnosti banke ATE, omogoča ponovno vzpostavitev njenega dolgoročno uspešnega poslovanja.
By decision of 23 May 2011, the Commission approved those measures based on the basis of a restructuring plan for ATE (‘the ATE Restructuring Decision’) [8].
GSFS je junija 2013 v banko Piraeus vložil 570 milijonov EUR v okviru dokapitalizacije iz pomladi 2013 [11].
On 29 December 2011, Greece participated in a capital rights issue of ATE for an amount of EUR 290 million.
Postopek v zvezi z grškimi posli Bank of Cyprus, Cyprus Popular Bank in Hellenic Bank (v nadaljnjem besedilu: tri ciprske banke)
On 22 March 2012, Greece submitted a report by the Bank of Greece that proposed a resolution of ATE through a Purchase & Assumption procedure [9] of selected assets and liabilities of ATE (‘ATE Transferred Activities’), while the remaining assets and liabilities would be resolved via a bad bank.
Po izrednem sestanku Euroskupine [12] 15. marca 2013 so ciprski organi in Evropska unija, Mednarodni denarni sklad (v nadaljnjem besedilu: MDS) in Evropska centralna banka (v nadaljnjem besedilu: ECB) dosegli politični dogovor o politiki, ki bo podlaga za prihodnji program makroekonomskega prilagajanja.
In July 2012, the Bank announced the acquisition by absorption of the good part of ATE which had been placed under liquidation.
Med drugim so se zlasti dogovorili, da bodo posli treh ciprskih bank v Grčiji preneseni na grško banko.
At that time, the HFSF committed to cover the capital needs of the Bank stemming from the acquired assets.
Banka Piraeus in druge grške banke so izrazile interes za prevzem poslov treh ciprskih bank v Grčiji.
On 27 January 2013, the Bank of Greece concluded that the capital needed for regulatory purposes as a result of the acquisition of the ATE Transferred Activities amounted to EUR 570 million, which would be covered by the HFSF.
GSFS je 22. marca 2013 privolil v to, da banka Piraeus izdela ponudbo za prevzem grških podružnic, vlog in posojil treh ciprskih bank.
By decision of 3 May 2013 [10] (‘the ATE Liquidation Decision’), the Commission concluded that the support measures granted at the time of transfer of the ATE Transferred Activities do not constitute State aid to the Bank but to the ATE Transferred Activities.
Ponudba banke Piraeus je bila pogojena s tem, da GSFS zagotovi lastniški kapital za banko Piraeus v znesku, ki je enak ceni, plačani za lastniški kapital prevzetega podjetja.
Moreover, the Commission concluded that that aid would be compatible with the internal market if the restructuring plan of the Bank, which now includes the ATE Transferred Activities, enables its long-term viability to be restored.
Grški organi in GSFS so službe Komisije podrobno obveščali o razvoju dogodkov in pogojih prevzema.
In June 2013, the HFSF injected EUR 570 million in the Bank in the framework of the Spring 2013 recapitalisation [11].
Banka Piraeus je 26. marca 2013 z vsako od treh ciprskih bank podpisala pogodbo o prodaji in prenosu v zvezi z njihovimi grškimi dejavnostmi (vloge, posojila in mreža podružnic).
Procedure related to the Greek operations of the Bank of Cyprus, Cyprus Popular Bank and Hellenic Bank (‘the three Cypriot Banks’)
Kot je bilo dogovorjeno marca 2013, je GSFS v banko Piraeus vložil kapital v višini 524 milijonov EUR [13], da bi lahko izpolnjevala kapitalske potrebe, nastale zaradi prevzema navedenih sredstev.
In particular, it was agreed, among other things, that the operations of the three Cypriot Banks in Greece would be transferred to a Greek bank.
BANKA PIRAEUS IN NJENE TEŽAVE
The Bank and other Greek banks expressed interest in acquiring the operations of the three Cypriot Banks in Greece.
Splošno ozadje grškega bančnega sektorja
On 22 March 2013, the HFSF consented to the Bank making an offer for the acquisition of the Greek branches, deposits and loans of the three Cypriot Banks.
Realni bruto domači proizvod Grčije (v nadaljnjem besedilu: BDP) se je od leta 2008 do leta 2012 zmanjšal za 20 %, kot je prikazano v preglednici 1.
The Bank’s offer was conditional on the HFSF providing equity to the Bank in an amount equal to the price paid for the equity of the acquired business.
Zaradi tega so se grške banke spopadale s hitro rastočo stopnjo nevračila posojil za grška gospodinjstva in podjetja [14].
The Greek authorities and the HFSF kept the Commission services closely informed about the evolution of the process and the terms of the acquisition as well.
Ta razvoj dogodkov je negativno vplival na donosnost sredstev grških bank in privedel do kapitalskih potreb.
On 26 March 2013, the Bank signed a sale and transfer agreement with each of the three Cypriot Banks concerning their Greek activities (deposits, loans and branch network).
Preglednica 1
As agreed in March 2013, the HFSF injected EUR 524 million of capital in the Bank [13] to meet the capital needs that arose from the acquisition of those assets.
Rast realnega BDP v Grčiji, 2008–2013
THE BANK AND ITS DIFFICULTIES
Eurostat, na voljo na spletnem naslovu: http://epp.eurostat.ec.europa.eu/tgm/table.do?tab=table&init=1&plugin=1&language=en&pcode=tec00115
Greece’s real gross domestic product (‘GDP’) fell by 20 % from 2008 to 2012, as shown in Table 1.
Rast realnega BDP, v %
As a result, Greek banks faced a rapidly increasing default rate on loans to Greek households and companies [14].
Poleg tega je Grčija februarja 2012 izvedla izmenjavo obveznic z zasebnim sektorjem, kar je znano kot udeležba zasebnega sektorja (v nadaljnjem besedilu: program PSI).
Those developments have adversely affected the performance of the assets of Greek banks and given rise to capital needs.
Preglednica 2
Table 1
Skupne izgube glavnih grških bank zaradi PSI (v milijonih EUR)
Real GDP Growth in Greece, 2008-2013
Banka Grčije, Poročilo o dokapitalizaciji in prestrukturiranju grškega bančnega sektorja, december 2012, str.
Eurostat, available online at http://epp.eurostat.ec.europa.eu/tgm/table.do?tab=table&init=1&plugin=1&language=en&pcode=tec00115
Banke
Greece
Nominalna vrednost GDO
In addition, in February 2012, Greece implemented a private sector bond exchange known as Private Sector Involvement (‘the PSI programme’).
Skupna nominalna vrednost
Greek banks were involved in the PSI programme, in the course of which the Greek government offered existing private bondholders new securities (including new Greek Government Bonds (‘GGBs’), GDP-linked securities and PSI payment notes issued by the European Financial Stability Fund (‘EFSF’)) in exchange for existing GGBs, with a nominal discount of 53,5 % and longer maturities [15].
Izguba pri GDO zaradi PSI
The Greek authorities announced the results of that exchange of bonds on 9 March 2012 [16].
Izguba pri državnih posojilih zaradi PSI
The exchange resulted in significant losses for the bondholders (estimated by the Bank of Greece at 78 % of the face amount of old GGBs on average for the Greek banks) and capital needs which were retroactively booked in the Greek banks’ 2011 financial statements.
Skupna bruto izguba zaradi PSI
Total losses due to the PSI for the main Greek banks are summarised in Table 2.
Skupna bruto izguba zaradi PSI/navadni lastniški temeljni kapital (%)
Table 2
Skupna bruto izguba zaradi PSI/skupna sredstva (%)
Total PSI losses of the main Greek banks (EUR million)
Navedeni znesek je bil izračunan na podlagi stresnega testa, ki ga je opravila Banka Grčije za obdobje od decembra 2011 do decembra 2014 (v nadaljnjem besedilu: stresni test iz leta 2012) in je temeljil na napovedi izgube iz posojil, ki jo je opravila družba Blackrock [18].
Bank of Greece, Report on the Recapitalisation and the Restructuring of the Greek Banking Sector, December 2012, p.
Sredstva za dokapitalizacijo grških bank so na voljo prek GSFS.
14
V preglednici 3 je povzet izračun kapitalskih potreb za glavne grške banke, kot izhajajo iz stresnega testa iz leta 2012.
Banks
Preglednica 3
Face amount of GGBs
Stresni test iz leta 2012: kapitalske potrebe glavnih grških bank (v milijonih EUR)
Face amount of state related loans
Banka Grčije, Poročilo o dokapitalizaciji in prestrukturiranju grškega bančnega sektorja, december 2012, str.
PSI loss of GGBs
Referenčni navadni lastniški temeljni kapital (dec. 2011)
PSI loss of state-related loans
Skupna bruto izguba zaradi PSI (dec. 2011)
Total gross PSI loss
Rezervacije, povezane s PSI (junij 2011)
Total gross PSI loss/Core Tier 1 (%)
Napovedi bruto kumulativne izgube za kreditno tveganje
Total gross PSI loss/Total assets (%)
Rezervacije za izgube iz posojil (dec. 2011)
Since the Greek banks faced substantial capital shortfalls as a result of the PSI programme and the continuing recession, the Memorandum of Economic and Financial Policies (‘MEFP’) of the Second Adjustment Programme for Greece between the Greek government, the European Union, the IMF and the ECB dated 11 March 2012 made funds available for the recapitalisation of those banks.
Interno ustvarjanje kapitala
The Greek authorities estimated the total bank recapitalisation needs and resolution costs to be financed under that programme at EUR 50 billion [17].
Ciljni navadni lastniški temeljni kapital (dec. 2014)
That amount was calculated on the basis of a stress test performed by the Bank of Greece for the period starting December 2011 and ending December 2014 (‘the stress test of 2012’), which relied on the loan losses forecast performed by Blackrock [18].
Kapitalske potrebe
The funds for the recapitalisation of the Greek banks are available through the HFSF.
V skladu z MEFP iz marca 2012 bodo imele „banke, ki predložijo izvedljive načrte za zbiranje kapitala, […] možnost, da zaprosijo za javno pomoč in jo prejmejo na način, s katerim se ohranijo spodbude za zasebni sektor za vlaganje kapitala in tako zmanjša breme za davkoplačevalce“ [19].
Table 3 summarises the calculation of capital needs for the main Greek banks as they result from the stress test of 2012.
Banka Grčije je ugotovila, da so samo štiri največje banke (Eurobank, National Bank of Greece, banka Piraeus in Alpha Bank) predložile izvedljive načrte za zbiranje kapitala [20].
Table 3
Prvo dokapitalizacijo GSFS so prejele maja 2012.
Stress test of 2012: Capital needs of the main Greek banks (EUR million)
Domače vloge v bankah v Grčiji so se od konca leta 2009 do junija 2012 zmanjšale za skupaj 37 % zaradi recesije in politične negotovosti.
Bank of Greece, Report on the Recapitalisation and the Restructuring of the Greek Banking Sector, December 2012, p.
Navedene banke so morale plačevati višje obrestne mere, če so želele ohraniti vloge.
8
Stroški vlog so se povečali, zaradi česar se je zmanjšala neto obrestna marža bank.
Reference Core Tier 1 (Dec 2011)
Ker so grške banke izgubile dostop do financiranja na medbančnih trgih, so postale v celoti odvisne od financiranja iz Eurosistema [21], vedno večji del tega financiranja pa je bil v obliki ELA z državnim jamstvom, ki jo je odobrila Banka Grčije.
Total gross PSI loss (Dec 2011)
Grčija je 3. decembra 2012 začela izvajati program odkupa novih GDO, ki so jih vlagatelji prejeli v okviru programa PSI, po cenah, ki so se gibale od 30,2 % do 40,1 % njihove nominalne vrednosti [22].
Provisions related to PSI (June 2011)
Grške banke so sodelovale pri navedenem programu odkupa, ki je pokazal nadaljnje izgube v njihovih bilancah stanja, ker je večina računovodske izgube (tj. razlike med tržno vrednostjo in nominalno vrednostjo), vknjižene za te nove GDO v času programa PSI, postala dokončna in nepreklicna [23].
Gross Cumulative Loss Projections for credit risk
Decembra 2012 so štiri največje grške banke prejele drugo premostitveno dokapitalizacijo GSFS.
Loan loss reserves (Dec 2011)
Spomladi 2013 je bila premostitvena dokapitalizacija štirih bank pretvorjena v trajno dokapitalizacijo v navadnih delnicah, pri čemer je imel GSFS v vsaki od štirih bank več kot 80-odstotni delež.
Internal capital generation
Za banke, ki jim je uspelo pritegniti vnaprej določeni znesek zasebnega kapitala (banka Piraeus, Alpha Bank in National Bank of Greece), je GSFS prejel neglasovalne delnice, zasebnim vlagateljem pa so bili odobreni nakupni boni za delnice GSFS.
Target Core Tier 1 (Dec 2014)
Banka Grčije je julija 2013 najela svetovalca za izvedbo diagnostične študije o portfeljih posojil vseh grških bank.
Capital needs
Svetovalec je pripravil napovedi kreditne izgube za portfelje domačih posojil vseh grških bank in posojila z grškim tveganjem v tujih podružnicah in hčerinskih družbah za obdobje treh let in pol in za čas trajanja posojila.
In line with the MEFP of March 2012, ‘banks submitting viable capital raising plans will be given the opportunity to apply for and receive public support in a manner that preserves private sector incentives to inject capital and thus minimises the burden for taxpayers’ [19].
Z analizo so bile pripravljene napovedi kreditne izgube na podlagi dveh makroekonomskih scenarijev, tj. osnovnega in neugodnega.
The Bank of Greece found that only the four largest banks (Eurobank, National Bank of Greece, the Bank and Alpha Bank) submitted viable capital raising plans [20].
Banka Grčije je napovedi kreditne izgube za portfelje tujih posojil ocenila na podlagi nekaterih podatkov svetovalca.
They received a first recapitalisation from the HFSF in May 2012.
Banka Grčije je na podlagi ocene napovedi kreditne izgube, ki jo je opravil svetovalec, jeseni 2013 začela nov stresni test (v nadaljnjem besedilu: stresni test iz leta 2013), da bi ocenila trdnost kapitalskega položaja grških bank na podlagi osnovnega in neugodnega scenarija.
Domestic deposits in the banks in Greece decreased by 37 % in total between the end of 2009 and June 2012 due to the recession and political uncertainty.
Banka Grčije je oceno kapitalskih potreb opravila s strokovno pomočjo drugega svetovalca.
Those banks had to pay higher interest rates to try to retain deposits.
Preglednica 4