natgillin/translations-raw huggingface dataset:
(Dec 2011) (2)
Po navedbah iz memoranduma o gospodarskih in finančnih politikah bodo imele „banke, ki predložijo izvedljive načrte za zbiranje kapitala, možnost, da zaprosijo za javno podporo in jo prejmejo na način, ki bo ohranil pobude zasebnega sektorja za vlaganje kapitala in tako kar najbolj zmanjšal breme za davkoplačevalce“ [19].
Provisions related to PSI
Banka Grčije je ugotovila, da so samo štiri največje banke (Eurobank, National Bank of Greece, banka Piraeus in banka Alpha) sposobne uspešnega poslovanja [20].
(June 2011) (3)
Prvo dokapitalizacijo iz GSFS so prejele maja 2012.
Gross Cumulative Loss
Domače vloge v bankah v Grčiji so se od konca leta 2009 do junija 2012 zmanjšale za skupaj 37 % zaradi recesije in politične negotovosti.
Projections for credit risk (4)
Navedene banke so morale plačevati višje obrestne mere, če so želele ohraniti vloge.
Loan loss reserves
Stroški vlog so se povečali, zaradi česar se je zmanjšala neto obrestna marža bank.
(Dec 2011) (5)
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 izredne likvidnostne pomoči z državnim jamstvom, ki jo je odobrila Banka Grčije.
Internal capital generation (6)
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].
Target Core Tier 1
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].
(Dec 2014) (7)
Decembra 2012 so štiri največje grške banke prejele drugo premostitveno dokapitalizacijo iz GSFS.
Capital needs
Spomladi 2013 so bile premostitvene dokapitalizacije štirih bank pretvorjene v trajne dokapitalizacije v navadnih delnicah, pri čemer je imel GSFS v vsaki od štirih bank več kot 80-odstotni delež.
According to the MEFP, ‘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].
Za banke, ki so privabile vnaprej določeno količino zasebnega kapitala, je GSFS prejel neglasovalne delnice, zasebnim vlagateljem, ki so vložili nov denar skupaj z GSFS, pa so bili dodeljeni nakupni boni na delnice, ki jih je pridobil GSFS.
The Bank of Greece found only the four largest banks (Eurobank, National Bank of Greece, Piraeus Bank and Alpha Bank) to be viable [20].
Banka Grčije je julija 2013 najela svetovalca za izvedbo diagnostične študije o portfeljih posojil vseh grških bank.
They received a first recapitalisation from the HFSF in May 2012.
Svetovalec je pripravil napovedi kreditne izgube za portfelje domačih posojil grških bank in za posojila z grškim tveganjem v tujih podružnicah in hčerinskih družbah za obdobje treh let in pol in za čas trajanja posojila.
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.
Z analizo so bile pripravljene napovedi kreditne izgube na podlagi dveh makroekonomskih scenarijev, tj. osnovnega in neugodnega.
Those banks had to pay higher interest rates to try to retain deposits.
Banka Grčije je napovedi kreditne izgube za portfelje tujih posojil ocenila na podlagi nekaterih podatkov svetovalca.
The costs of deposits increased, reducing the net interest margin of the banks.
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.
As Greek banks were shut out from wholesale funding markets, they became entirely dependent on Eurosystem financing [21], a growing portion of which was in the form of State-guaranteed ELA granted by the Bank of Greece.
Banka Grčije je oceno kapitalskih potreb opravila s strokovno pomočjo drugega svetovalca.
On 3 December 2012, Greece launched a buy-back programme on the new GGBs received by the investors in the framework of the PSI programme, at prices ranging from 30,2 % to 40,1 % of their nominal value [22].
Preglednica 4
The Greek banks participated in that buy-back programme which crystallised further losses on their balance sheets, since most of the accounting loss (that is, the difference between market value and nominal value) booked on those new GGBs at the time of the PSI programme became definitive and irreversible [23].
Stresni test iz leta 2013: kapitalske potrebe grških bank na konsolidirani podlagi v osnovnem scenariju (v milijonih EUR)
In December 2012, the four largest Greek banks received a second bridge recapitalisation from the HFSF.
Vir: Banka Grčije, Stresni test grškega bančnega sektorja iz leta 2013, marec 2014, str. 42.
In spring 2013, the bridge recapitalisations of the four banks were converted into permanent recapitalisations in ordinary shares, with the HFSF holding more than 80 % of the shareholding of each of the four banks.
(junij 2013) (1)
In July 2013, the Bank of Greece commissioned an advisor to carry out a diagnostic study on the loan portfolios of all Greek banks.
(junij 2013) (2)
That advisor carried out credit loss projections (‘CLPs’) on all domestic loan books of the Greek banks as well as on loans carrying Greek risk in foreign branches and subsidiaries over a three-and-a-half-year and a loan-lifetime horizon.
Napovedi kreditne izgube za grško tveganje (3)
The analysis provided CLPs under two macroeconomic scenarios, a baseline scenario and an adverse scenario.
Napovedi kreditne izgube za tuje tveganje [25] (4)
The CLPs for foreign loan portfolios were estimated by the Bank of Greece using some input from the advisor.
Interno ustvarjanje kapitala (5)
Based on the advisor's assessment of the CLPs, the Bank of Greece launched a new stress test exercise in autumn 2013 (‘the stress test of 2013’) to assess the robustness of the Greek banks' capital position under both a baseline and an adverse scenario.
Količnik navadnega lastniškega temeljnega kapitala v testu izjemnih situacij
The Bank of Greece conducted the capital needs assessment with the technical support of a second advisor.
Banka Grčije je 6. marca 2014 objavila rezultate stresnega testa iz leta 2013 in banke pozvala, naj do sredine aprila 2014 predložijo svoje načrte za zbiranje kapitala za kritje kapitalskih potreb na podlagi osnovnega scenarija.
The key components of the capital needs assessment under the stress test of 2013 were (i) the CLPs [24] on banks' loan portfolios on a consolidated basis for Greek risk and foreign risk, net of existing loan reserves, and (ii) the estimated operating profitability of banks for the period from June 2013 to December 2016, based on a conservative adjustment of the restructuring plans which had been submitted to the Bank of Greece during the fourth quarter of 2013.
Zadevne štiri banke so med koncem marca 2013 in začetkom maja 2014 nadaljevale s povečevanjem kapitala.
Table 4 summarises the calculation of capital needs for the main Greek banks on a consolidated basis under the baseline scenario for that stress test of 2013.
Upravičenec
Table 4
Skupina zagotavlja splošne bančne storitve večinoma v Grčiji, Turčiji in drugih državah Srednje, Vzhodne in Jugovzhodne Evrope (na Cipru, v Romuniji, Bolgariji, Srbiji, Albaniji in nekdanji jugoslovanski republiki Makedoniji).
Stress test of 2013: Capital needs of the Greek banks on a consolidated basis in the baseline scenario (EUR million)
Ponuja vse bančne in finančne produkte ter storitve za gospodinjstva in podjetja.
(June 2013) (1)
Skupina je registrirana v Grčiji, njene delnice pa kotirajo na atenski borzi.
Loan Loss reserves
30. septembra 2012 je skupina imela skupno 37831 zaposlenih [28], od katerih je bila približno ena tretjina zaposlenih v Grčiji, ena tretjina v Turčiji, ostala tretjina pa v drugih državah, večinoma v Jugovzhodni Evropi.
(June 2013) (2)
Skupina je v času programa odkupa iz decembra 2012 prodala nove GDO, ki jih je prejela v okviru PSI, po močno diskontirani nominalni vrednosti.
CLPs for Greek risk (3)
Navedena prodaja je pokazala njene izgube pri novih GDO.
CLPs for foreign risk [25] (4)
Ključni podatki za skupino iz decembra 2010, decembra 2011, decembra 2012 in decembra 2013 (konsolidirani podatki na podlagi letnih računovodskih izkazov) so prikazani v preglednici 5.
Internal Capital Generation (5)
Preglednica 5
Stress test Core Tier 1 ratio
Ključni podatki za banko National Bank of Greece za leta 2010, 2011, 2012 in 2013 [30]Poslovni izid (v milijonih EUR)
(December 2016) (6)
Čisti prihodki iz obresti
The beneficiary
Prihodki pred rezervacijami
The Bank provides universal banking services mainly in Greece, Turkey and other countries of Central, Eastern and South-Eastern Europe (Cyprus, Romania, Bulgaria, Serbia, Albania and the Former Yugoslav Republic of Macedonia (‘FYROM’)).
Izgube zaradi oslabitve za kritje kreditnega tveganja
It offers a full range of banking and financial products and services to households and businesses.
Izgube zaradi oslabitve pri grških državnih obveznicah in posojilih, upravičenih do programa PSI
It is active in retail, corporate and private banking, asset management, insurance, treasury, capital markets and other services.
0Čisti dobiček/izguba
The Bank is incorporated in Greece and its shares are listed on the Athens Stock Exchange.
Izbrani podatki o obsegu (v milijonih EUR)
On 30 September 2012, the Bank employed a total of 37831 people [28], of which around one-third were employed in Greece, and one-third in Turkey, while the remaining third were employed in other countries, mainly in South-Eastern Europe.
31. december 2010
The Bank participated in the PSI programme, exchanging GGBs and State-related loans with a face value of EUR 14749 million.
31. december 2011
Its total PSI-related charge amounted to around EUR 11735 million before tax and was entirely booked in its 2011 accounts [29].
31. december 2012
During the buy-back programme of December 2012, the Bank sold the new GGBs it had received in the framework of the PSI at a deep discount to nominal value.
31. december 2013
That sale crystallised its losses on the new GGBs.
Neto posojila in predplačila strankam skupaj
The key figures of the Bank in December 2010, December 2011, December 2012 and December 2013 (consolidated data as per annual financial statements) are presented in Table 5.
Vloge
Table 5
Skupna sredstva
National Bank of Greece key figures, 2010, 2011, 2012 and 2013 [30]Profit and loss (EUR million)
Lastniški kapital skupaj [31]
Net Interest Income
Iz preglednice 5 je razvidno, da je imela skupina ob hudih izgubah, ki jih je leta 2011 vpisala zaradi programa PSI (11735 milijonov EUR [32]) težave tudi zaradi upadanja prihodkov (tudi zaradi višjih stroškov vlog) ter visokih in rastočih izgub zaradi oslabitve njenega portfelja posojil v Grčiji in tujini.
Total Operating Income
Likvidnostni položaj skupine so prizadeli odlivi vlog, vendar je njeno neto razmerje med posojili in vlogami v primerjavi z drugimi grškimi bankami ostalo razmeroma nizko (118 % na dan 31. decembra 2012 [33]).
Total Operating Expenses
Po stresnem testu iz leta 2013, na podlagi katerega so bile kapitalske potrebe skupine ocenjene na 2183 milijonov EUR v osnovnem scenariju, je skupina poskušala na trgu zbrati 2,5 milijarde EUR.
Pre Provision Income
Skupina je 6. maja 2014 napovedala začetek zbiranja naročil [34] za znesek v višini 2,5 milijarde EUR [35].
Impairment Losses to cover credit risk
Skupina je 9. maja 2014 napovedala izdajo in plasiranje 1136,4 milijona novih navadnih delnic po ceni 2,20 EUR za delnico za skupni bruto prihodek v višini 2,5 milijarde EUR [36].
Impairment losses on GGBs and loans eligible to PSI
Povečanje delniškega kapitala je bilo opravljeno z odpovedjo predkupnih pravic obstoječih delničarjev, sklep o tem pa je bil sprejet na generalni skupščini delničarjev v Atenah 10. maja 2014 [37].
profit/loss
GSFS je povečanje delniškega kapitala odobril na podlagi dveh poročil o vrednotenju, ki so jih v skladu z zakonom 3864 pripravili neodvisni strokovnjaki [38].
Selective Volume figures (EUR million)
GRŠKE BANČNE DEJAVNOSTI, KI JIH JE PREVZELA SKUPINA
31 December 2010
Prevzem izbranih obveznosti treh zadružnih bank
31 December 2011
Banka Grčije je 18. marca 2012 ugotovila, da tri zadružne banke niso izpolnile zahtev kapitalske ustreznosti, ter sklenila, da ne bodo mogle povečati svojega kapitala.
31 December 2012
Banka Grčije je zato sklenila preklicati njihova dovoljenja ter jih prepustiti postopku likvidacije.
31 December 2013
Banka Grčija je presodila, da so bili ukrepi za reševanje ter zlasti ponujanje vlog na dražbi v okviru reševanja (člen 63(D) zakona 3601/2007) in financiranje ustrezne likvidnostne vrzeli ključnega pomena za ohranitev povečanega zaupanja vlagateljev v obdobju po uspešnem zaključku programa PSI in drugega programa prilagajanja ter da je bilo takšno zaupanje kljub nedavni spremembi razmer na trgu krhko.
Total Net Loans and Advances to Customers
Po oceni Banke Grčije je 19. marca 2012 skupni znesek vlog strank (na podlagi nerevidiranih podatkov, ki so bili na voljo 30. septembra 2013) v vseh treh zadružnih bankah znašal približno 325 milijonov EUR.
Deposits
Banka Grčije je nadaljevala postopek nakupa in prevzema, v katerem bi se na pridobitelja prenesle vse vloge, vključno z medbančnimi vlogami ter terjatvami in obveznostmi do grškega jamstvenega sklada za vloge in naložbe (v nadaljnjem besedilu: GJSVN), ne pa tudi posojila.
Total Assets
Banka Grčije je 20. marca 2012 pet tedaj največjih grških kreditnih institucij pozvala, naj predložijo svoje ponudbe.
Total Equity [31]
Skupina in še tri druge banke so predložile zavezujoče ponudbe.
Table 5 illustrates that, apart from the huge losses it booked in 2011 due to the PSI programme (EUR 11735 million [32]), the Bank suffered from declining income (due, among other reasons, to the higher costs of deposits) and from high and rising impairment losses on its loan portfolios in Greece and abroad.
Ponudba skupine je imela prednost v smislu plačila in potrebnega časa za zaključek prenosa.
The liquidity position of the Bank was hit by deposit outflows but its net loan-to-deposit ratio remained relatively low compared to other Greek banks (118 % at 31 December 2012 [33]).
Skupina je kot plačilo ponudila znesek, ki je enak […] [39] % prenesenih vlog, ter ocenila, da bi lahko prenos zaključila v enem delovnem dnevu.
Following the stress test of 2013, according to which the capital needs of the Bank were estimated at EUR 2183 million in the baseline scenario, the Bank sought to raise EUR 2,5 billion of capital on the market.
Zadružna banka Lesvos-Limnos (v nadaljnjem besedilu: banka Lesvos-Limnos)
On 6 May 2014, the Bank announced the launch of the book-building exercise [34] for an amount of EUR 2,5 billion [35].
Banka Grčije je 23. marca 2012 sklenila, da se vloge ter terjatve in obveznosti banke Lesvos-Limnos do GJSVN prenesejo na skupino [40].
On 9 May 2014, the Bank announced the issue and placement of 1136,4 million new ordinary shares, at a price of EUR 2,20 per share, for total gross proceeds of EUR 2,5 billion [36].
Po navedbah Banke Grčije [41] je poštena vrednost prenesenih obveznosti znašala […] milijonov EUR, medtem ko sredstva niso bila prenesena.
The share capital increase was carried out through the cancellation of pre-emption rights for existing shareholders, as decided by the general meeting of shareholders held in Athens on 10 May 2014 [37].
Plačilo je bilo izračunano [42] na […] milijonov EUR, kar pomeni […] % prenesenih vlog.
The HFSF approved the share capital increase on the basis of two valuations reports carried out by independent experts as per law 3864 [38].
Likvidnostno vrzel je v skladu s členom 63D(13) zakona 3601/2007 kril GSFS.
THE BANK'S ACQUISITIONS OF GREEK BANKING ACTIVITIES
GSFS je 10. aprila 2012 izplačal dve tretjini likvidnostne vrzeli v obliki obveznic instrumenta EFSF ter se zavezal, da bo preostali znesek izplačan ob končni določitvi likvidnostne vrzeli.
Acquisition of selected liabilities of the three Cooperative Banks
Banka Lesvos-Limnos je v času reševanja imela 37 zaposlenih ter 3 podružnice.
On 18 March 2012, the Bank of Greece noted that the three Cooperative Banks did not meet the capital adequacy requirements and concluded that they would not be able to increase their capital.
Skupina ni prevzela nobene podružnice banke Lesvos-Limnos, njeni uslužbenci pa so bili odpuščeni.
Therefore, the Bank of Greece decided to withdraw their licenses and put them into liquidation.
Zadružna banka Achaia (v nadaljnjem besedilu: banka Achaia)
The Bank of Greece considered that taking resolution measures and in particular the auctioning of the deposits in the context of the resolution framework (Article 63(D) of law 3601/2007) and the financing of the relevant funding gap was crucial to maintain the increases in depositors' confidence that had occurred in the aftermath of the successful conclusions of the PSI and the Second Adjustment Programme and that, despite the recent turnaround of the market sentiment, such sentiment was fragile.
Banka Grčije je 23. marca 2012 sklenila, da se vloge ter terjatve in obveznosti banke Achaia do GJSVN prenesejo na skupino [43].
The Bank of Greece estimated that on 19 March 2012 the total amount of customer deposits (based on unaudited data at 30 September 2013) in those three Cooperative Banks amounted to approximately EUR 325 million.
Po navedbah Banke Grčije [44] je poštena vrednost prenesenih obveznosti znašala […] milijonov EUR, medtem ko sredstva niso bila prenesena.
The Bank of Greece proceeded with a Purchase & Assumption procedure whereby all deposits, including interbank deposits, and the claims and liabilities towards the Hellenic Deposit and Investment Guarantee Fund (‘HDIGF’) but no loans would be transferred to an acquirer.
Plačilo je bilo izračunano [45] na […] milijonov EUR, kar pomeni […] % kapitala prenesenih vlog.
On 20 March 2012, the Bank of Greece invited the five largest Greek credit institutions at that time to submit their offers.
Likvidnostno vrzel je v skladu s členom 63(D)(13) zakona 3601/2007 kril GSFS.
The Bank and three other banks submitted binding offers.
Banka Achaia je v času reševanja imela 103 zaposlene in 13 podružnic.
Cooperative Bank of Lesvos-Limnos (‘Lesvos-Limnos Bank’)
Banka Grčije je 23. marca 2012 sklenila, da se vloge ter terjatve in obveznosti banke Lamia do GJSVN prenesejo na skupino [46].
On 23 March 2012, the Bank of Greece decided that the deposits and the claims and liabilities of Lesvos-Limnos Bank towards the HDIGF were to be transferred to the Bank [40].
Po navedbah Banke Grčije je poštena vrednost prenesenih obveznosti znašala […] milijonov EUR, medtem ko sredstva niso bila prenesena.
According to the Bank of Greece [41], the fair value of the transferred liabilities amounted to EUR […] million, while no assets were transferred.
Plačilo je bilo izračunano [47] na […] milijonov EUR, kar pomeni […] % kapitala prenesenih vlog.
The consideration was calculated [42] at EUR […] million, that is to say, […] % of the transferred deposits.
Banka Lamia je v času reševanja imela 47 zaposlenih in 5 podružnic.
The funding gap was covered by the HFSF pursuant to Article 63D(13) of law 3601/2007.
Skupina ni prevzela nobene podružnice banke Lamia, njeni uslužbenci pa so bili odpuščeni.
On 10 April 2012, the HFSF disbursed two-thirds of the total funding gap in EFSF Notes while it committed that the remaining amount would be paid upon the final determination of the funding gap.
Zneski likvidnostnih vrzeli vseh treh zadružnih bank so navedeni v preglednici 6.
On 22 June 2012, the Bank of Greece determined that the final funding gap of Lesvos-Limnos Bank amounted to EUR 56,6 million.
Preglednica 6
At the time of its resolution, Lesvos-Limnos Bank employed 37 people and had 3 branches.
Viri: Sklepi 3/1/ES, 3/2/ES in 3/3 Odbora za ukrepe reševanja Banke Grčije z dne 22. junija 2012.
The Bank took over no branches of Lesvos-Limnos Bank and its employees were laid off.
Končna likvidnostna vrzel
Cooperative Bank of Achaia (‘Achaia Bank’)
(v milijonih EUR)
On 23 March 2012, the Bank of Greece decided that the deposits and the claims and liabilities of Achaia Bank towards the HDIGF were to be transferred to the Bank [43].
Skupaj
According to the Bank of Greece [44], the fair value of the transferred liabilities amounted to EUR […] million, while no assets were transferred.
Prevzem izbranih sredstev in obveznosti banke First Business Bank
The consideration was calculated [45] at EUR […] million, that is to say, […] % of the capital of the transferred deposits.
Banka FB je bila v času svojega reševanja majhna banka s skupno bilanco stanja 1,4 milijarde EUR ter tržnim deležem, manjšim od 1 % v posojilih in vlogah.
On 22 June 2012, the Bank of Greece determined that the final funding gap of Achaia Bank amounted to EUR 212,9 million.
V okviru programa pomoči grškim bankam je banka FB (i) julija 2009 prejela kapitalski vložek s strani grške države v višini 50 milijonov EUR, (ii) maja 2012 prejela grške državne vrednostne papirje v višini 60 milijonov EUR [48] in (iii) marca 2011 dobila državno jamstvo za izdane obveznice z nominalno vrednostjo 50 milijonov EUR.
At the time of its resolution, Achaia Bank employed 103 people and had 13 branches.
Kot je prikazano v preglednici 3, so bile kapitalske potrebe banke FB v stresnem testu iz leta 2012 ocenjene na 168 milijonov EUR.
The Bank took over no branches of Achaia Bank and its employees were laid off.
Prevzem banke First Business Bank
Cooperative Bank of Lamia (‘Lamia Bank’)
Banka Grčije je banko FB 8. novembra 2012 zaprosila, naj povečanje kapitala zaključi do 30. aprila 2013, da se ponovno vzpostavi njen količnik navadnega lastniškega temeljnega kapitala.
On 23 March 2012, the Bank of Greece decided that the deposits and the claims and liabilities of Lamia Bank towards the HDIGF were transferred to the Bank [46].
Ker banka FB do 30. aprila 2013 ni zbrala zahtevanega kapitala, se je Banka Grčije odločila, da prekliče dovoljenje banki FB in začne postopek njene likvidacije.
According to the Bank of Greece, the fair value of the transferred liabilities amounted to EUR […] million, while no assets were transferred.
Banka Grčije je presodila, da so bili ukrepi reševanja prek postopka nakupa in prevzema, zlasti financiranje ustrezne likvidnostne vrzeli in povezano kritje kapitalskih potreb v zvezi s prenesenimi sredstvi, ključnega pomena za ohranitev zaupanja vlagateljev v grški bančni sistem in ohranitev finančne stabilnosti.
The consideration was calculated [47] at EUR […] million, that is to say, […] % of the capital of the transferred deposits.
Zaradi takšnih pomislekov o finančni stabilnosti je Banka Grčije nadaljevala z dražbo izbranih sredstev in obveznosti banke FB, vključno z vlogami.
On 22 June 2012, the Bank of Greece determined that the final funding gap of Lamia Bank amounted to EUR 56,3 million.
Vendar bi prevzem sredstev banke FB lahko ustvaril dodatne kapitalske potrebe za prevzemnika, kar bi pomenilo, da nobena banka ne bi pristala na prevzem izbranih sredstev in obveznosti.
At the time of its resolution, Lamia Bank employed 47 people and had 5 branches.
Banka Grčije je v svojem pismu GSFS z dne 8. maja 2013 ocenila kot primerno, da bi GSFS kril te kapitalske potrebe kot del stroškov reševanja.
The Bank took over no branches of Lamia Bank and its employees were laid off.
Skupina je v svoji končni zavezujoči ponudbi z dne 10. maja 2013 zaprosila, naj GSFS krije kapitalske potrebe, ki so nastale s prevzemom sredstev, prenesenih z banke FB.
The amounts of the funding gaps of the three Cooperative Banks are set out in Table 6.
Banka Grčije je v času reševanja ocenila znesek teh kapitalskih potreb na približno 100 milijonov EUR [49].
Table 6
Nezavezujoče ponudbe sta 8. maja 2013 predložili samo skupina in še druga banka.