natgillin/translations-raw huggingface dataset:
There will be four groups of safeguards as to the deployment of funds by the recipient entities which would operate through the lifecycle of the fund: (i) safeguards before disbursement, (ii) ongoing reporting and monitoring by the Body, (iii) the Body's right of audit and (iv) the Body's right to claw back funds.
Vložniki bodo morali organu predložiti poslovni načrt, v katerem bo dovolj podrobno predstavljeno, kako nameravajo uporabiti morebitna dodeljena sredstva.
The first group of safeguards occurs before disbursement.
Organ bo moral nato vsak element načrta preučiti na podlagi vrste vnaprej določenih dejavnikov in ugotoviti, ali je načrt v skladu z dovoljenimi nameni.
Applicants will be required to submit to the Body a business plan setting out, in a reasonable level of detail, how the applicant proposes to deploy any funds awarded.
Druga skupina zaščitnih ukrepov vključuje stalno poročanje in spremljanje s strani organa: prejemniki bodo organu poročali vsako četrtletje, in sicer 18 mesecev (organ bo pripravil letno poročilo o svojem upravljanju sklada).
The Body must then consider each element of the plan under a number of pre-determined factors and whether the plan is consistent with the Permitted Purposes.
Poročilo bo vsebovalo podrobnosti o tem, kako so bila prejeta sredstva porabljena, vključno s skupnim zneskom, porabljenim v zadnjih treh mesecih.
The second group of safeguards consists in the ongoing reporting and monitoring by the Body: recipients will report to the Body on a quarterly basis for 18 months (the Body will produce its own annual report on its administration of the fund).
V primeru subjektov iz podsklada A, subjektov iz podsklada B in subjektov iz podsklada C bo poročilo vsebovalo:
The report will contain details as to how the funding received has been utilised, including the total amount spent during the last three months.
kratko predstavitev razvoja dejavnosti subjekta v zvezi z MSP v predhodnem letu;
In the case of Pool A entities, Pool B entities and Pool C entities the report will include:
pregled in kvantifikacijo naložb v zadevno dejavnost v zadnjih treh mesecih ter opredelitev, kako je tak razvoj povezan s poslovno dejavnostjo subjekta;
a brief account of the developments in the entity's SME business over the preceding year;
podrobnosti o obsegu dejavnosti subjekta v zvezi z MSP, vključno s številom strank, številom poslovnih TRR, bilancami posojil in vlog;
an overview and quantification of investments made in the relevant business in the last three months and how such developments relate to its business case;
potrditev, da so bila sredstva, dodeljena iz sklada za razvoj zmogljivosti za MSP, uporabljena za dovoljene namene, ter
details of the entity's SME business volumes, including customer numbers, BCA numbers, lending and deposit balances;
druge elemente, o katerih se dogovorita organ in subjekt prejemnik.
confirmation that drawings on the SME Capability Fund have been used for the Permitted Purposes; and
Tretja skupina zaščitnih ukrepov vključuje pravico organa do revizije: organ bi lahko na podlagi pogodbe imenoval „usposobljeno osebo“ za preiskavo in revizijo uporabe sredstev s strani prejemnikov, če bi upravičeno dvomil, da je prejemnik pravilno ali v celoti uporabil sredstva, prejeta na podlagi ukrepa A.
other items agreed between the Body and the recipient entity.
Četrta skupina zaščitnih ukrepov vključuje pravico organa, da zahteva vračilo sredstev: če organ (na podlagi revizije ali drugače) meni, da je bila pogodba, sklenjena med organom in prejemnikom, bistveno kršena, lahko zahteva vračilo sredstev, ki so bila prejemniku že izplačana.
The third group of safeguards consists in the Body's right of audit: the Body would have the contractual ability to appoint a ‘skilled person’ to investigate and audit the use of funds by recipients in circumstances where the Body had cause to doubt that the recipient was properly or fully deploying funds received under Measure A.
To vključuje kakršno koli neuporabo sredstev za dovoljene namene ali kakršno koli uporabo sredstev za prepovedane namene: v takih primerih lahko organ od prejemnika zahteva, naj odpravi kršitev ali (v celoti ali delno) vrne sredstva.
The fourth group of safeguards consists in the Body's right to claw back funds: if the Body considers (either following an audit or otherwise) that there has been a material breach of the agreement entered into between the Body and the recipient, the former may request the clawback of the funds already disbursed to the latter.
Določbe, s katerimi je opredeljena uporaba sredstev iz podsklada A, podsklada B in podsklada C, vključujejo določbe, v katerih je navedeno, da:
This includes any failure to use the funding amount for Permitted Purposes or any use of the funding amount for prohibited purposes: in such cases, the Body may require the recipient to remedy the breach or request the repayment (in full or in part) of the funding amount.
subjekt nepovratna sredstva uporabi za namene, ki so dokazljivo povezani z (i) izboljšanjem rezultatov glede strank za MSP in/ali (ii) razširitvijo subjektove poslovne zmogljivosti, ponudbe produktov in/ali ciljnih trgov, da se izboljšajo njegove ponudbe za MSP („glavna načela“);
The provisions determining the use of funds of Pool A, Pool B and Pool C shall include provisions stating that:
lahko subjekt nepovratna sredstva uporabi za kritje svojih naložb v osnovna sredstva ali odhodkov za poslovanje v zvezi z naslednjimi nameni („dovoljeni nameni“):
an entity shall use a grant for purposes which have a demonstrable link to (i) improving customer outcomes for SMEs; and/or (ii) expanding the entity's business capacity, product offering and/or target markets in order to improve its offering to SMEs (the ‘Overarching Principles’).
razvojem sistemov in/ali infrastrukture, potrebnih za razširitev bodisi (i) v primeru subjekta iz podsklada A ali subjekta iz podsklada B, njegovega bančnega poslovanja z MSP bodisi (ii) v primeru subjekta iz podsklada C, njegove posojilne in/ali plačilne dejavnosti za MSP („zadevne dejavnosti“);
a grant may be used by an entity to cover its capital expenditure or operating expenses in relation to the following purposes (‘Permitted Purposes’):
zaposlitvijo in plačilom zaposlenih za razširitev in/ali upravljanje zadevnih dejavnosti;
the development of systems and/or infrastructure required to expand either (i) in the case of a Pool A entity or Pool B entity, its SME banking business or (ii) in the case of a Pool C entity, its SME lending business and/or SME payments business (‘Relevant Business(es)’)
trženjem produktov, povezanih z njegovimi zadevnimi dejavnostmi;
the recruitment and payment of employees in order to expand and/or operate its Relevant Business(es);
nakupom ali najemom prostorov, potrebnih za razširitev njegovih zadevnih dejavnosti, ali
the marketing of products related to its Relevant Business(es);
katerim koli drugim namenom, ki je (po mnenju organa) v skladu z glavnimi načeli;
the acquisition or leasing of premises required to expand its Relevant Business(es); or
subjekt nepovratnih sredstev ne sme uporabiti za nobenega od naslednjih prepovedanih namenov:
any other purpose which is (in the opinion of the Body) consistent with the Overarching Principles.
subvencioniranje začasnih znižanj cen za bančne produkte in/ali storitve;
A grant may not be used by an entity for any of the following prohibited purposes:
odplačilo kakršne koli obstoječe obveznosti;
to subsidise temporary price cuts for banking products and/or services;
zagotovitev financiranja neposredno strankam;
to repay any existing liability;
financiranje naložb v osnovna sredstva in/ali odhodkov za poslovanje, ki jih je družba načrtovala pred datumom vloge in: (a) bi jih izvedla ne glede na to, ali bi iz sklada za zmogljivost in inovacije prejela kakršen koli znesek ali ne, ali (b) so bili vključeni v poslovni načrt družbe pred datumom vloge;
to provide financing directly to customers;
kakršno koli vračilo kapitala obstoječim delničarjem družbe ali
to finance capital expenditure and/or operating expenses which the company had planned prior to the date of the application and: (a) that the company would make regardless of whether or not any amount from the Capability and Innovation Fund is received; or (b) that had been included in the company's business plan prior to the date of the application;
namen, ki ni v skladu z glavnimi načeli in/ali njegovo poslovno dejavnostjo.
to return capital by any means to existing shareholders of the company; or
Določbe, s katerimi je opredeljena uporaba sredstev iz podsklada D, vključujejo določbe, v katerih je navedeno, da:
for a purpose which is inconsistent with the Overarching Principles and/or its Business Case.
subjekt uporabi nepovratna sredstva za razvoj, izboljšanje, upravljanje, razširitev in/ali trženje (ali podporo razvoju, izboljšanju, upravljanju, razširitvi in/ali trženju) svojega produkta ali storitve finančne tehnologije ter da lahko subjekt nepovratna sredstva uporabi za kritje svojih naložb v osnovna sredstva in odhodkov za poslovanje v zvezi z naslednjimi nameni („dovoljeni nameni“):
The provisions determining the use of funds of Pool D shall include provisions stating that:
razvojem sistemov in/ali infrastrukture, potrebnih za razvoj, izboljšanje, upravljanje, razširitev in/ali trženje produkta ali storitve finančne tehnologije;
the entity shall use a grant to develop improve, operate, expand and/or commercialise (or support the development, improvement, operation, expansion and/or commercialisation of) its Fintech product or service and the grant may be used by an entity to cover its capital expenditure and operating expenses in relation to the following purposes (‘Permitted Purposes’):
zaposlitvijo in plačilom zaposlenih za razvoj, izboljšanje, upravljanje, razširitev in/ali trženje produkta ali storitve finančne tehnologije;
the development of systems and/or infrastructure required to develop, improve, operate, expand and/or commercialise the Fintech product or service;
trženjem produkta ali storitve finančne tehnologije ali
the recruitment and payment of employees in order to develop improve, operate, expand and/or commercialise the Fintech product or service;
katerim koli drugim namenom, ki (po mnenju organa) spodbuja razvoj, izboljšanje, upravljanje, razširitev in/ali trženje produkta ali storitve finančne tehnologije;
the marketing of the Fintech product or service; or
subjekt nepovratnih sredstev ne sme uporabiti za naslednje prepovedane namene:
any other purpose which (in the opinion of the Body) furthers the development, improvement, operation, expansion and/or commercialisation of the Fintech Product or Service.
namen, ki ni v skladu z njegovo poslovno dejavnostjo.
a grant may not be used by an entity for the following prohibited purposes:
Financiranje za subjekte iz podskladov A, B in C bi bilo izvedeno tako, da bi bili subjekti, ki ne bi uspeli z vlogo za podsklad A, upravičeni, da zaprosijo za financiranje iz podsklada B, in da bi bili subjekti, ki ne bi uspeli z vlogo za podsklad B, upravičeni, da zaprosijo za financiranje iz podsklada C.
for a purpose which is inconsistent with its Business Case.
Postopek financiranja iz podsklada D bo potekal sočasno s postopkom postopnega financiranja za podsklade A, B in C.
The funding for Pools A, B and C entities would be phased so that any entities that do not win an application for Pool A would be eligible to apply for funding from Pool B, and any entities that do not win an application for Pool B would be eligible to apply for funding from Pool C.
Organ bo sklad za zmogljivost in inovacije subjektom iz podskladov A in D začel oglaševati takoj, ko bo to po njegovi ustanovitvi ter podpisu listine o okviru in državni pomoči razumno izvedljivo.
The Pool D funding process will run concurrently with the phased funding process for Pools A, B and C.
Oglaševanje subjektom iz podskladov B in C bo sledilo tri oziroma šest mesecev po oglaševanju sklada za zmogljivost in inovacije subjektom iz podsklada A.
The Body will market the Capability & Innovation Fund to Pools A and D entities as soon as reasonably practicable following its establishment and signature of the Framework and State aid Deed.
Obdobje za vložitev vlog za sredstva iz podsklada A se bo končalo dva meseca od takrat, ko bo začel organ prvič oglaševati sklad, medtem ko se bo obdobje za vložitev vlog za sredstva iz podsklada B končalo pet mesecev po tem datumu, obdobje za vložitev vlog za sredstva iz podsklada C pa osem mesecev po tem datumu.
Marketing to Pools B and C bodies will follow 3 and 6 months (respectively) after the Capability & innovation Fund is marketed to Pool A entities.
Obdobje za vložitev vlog za sredstva iz podsklada D bo sovpadalo z obdobji za vložitev vlog za sredstva iz podskladov A, B in C ter se bo končalo šest mesecev po tem, ko bo začel organ prvič oglaševati sklad.
The application period for Pool A funds will end within 2 months after the Body first starts marketing the fund, whilst the Pool B application period will end within 5 months after this date and the Pool C period will end within 8 months after this date.
Sklad naj bi prenehal po koncu sheme spodbud za prenos računov (lahko pa se podaljša na podlagi vnaprej določenih meril, odvisno od višine preostalih nerazdeljenih sredstev).
The Pool D application period will run concurrently with the application periods for Pool A-C funds, and will end up to 6 months after the Body first starts marketing the fund.
Organ bi sicer pravice in obveznosti v zvezi s poročanjem ohranil še tri mesece po prenehanju zadnje pogodbe med organom in katerim koli prejemnikom, ki sodeluje v skladu za zmogljivost in inovacije.
The fund is intended to terminate after the end of the Incentivised Switching Scheme (although may be extended under predetermined criteria depending on the amount of undistributed funds remaining).
Stroški ukrepa A za banko RBS vključujejo 425 milijonov GBP začetnih stroškov kapitala in stroške poslovanja organa, ki bi jih plačala banka RBS.
The rights and obligations of the Body as regards reporting would however continue for three months after the termination of the last agreement between the Body and any recipient participating in the Capability and Innovation Fund.
SHEMA SPODBUD ZA PRENOS RAČUNOV (UKREP B)
The cost to RBS of Measure A comprises the GBP 425 million upfront capital cost plus the Body's operating costs, which would be paid for by RBS.
Subjekti, ki so upravičeni do sodelovanja v shemi spodbud za prenos računov („upravičeni subjekti“), so tisti subjekti, ki sprejemajo vloge in izpolnjujejo naslednja merila:
INCENTIVISED SWITCHING SCHEME (‘MEASURE B’)
ponujajo poslovne transakcijske račune ali so javno napovedali, da nameravajo uvesti njihovo ponudbo;
Entities which are eligible to participate in the Incentivised Switching Scheme (‘Eligible Entities’) are those deposit-taking entities which fulfil the following criteria:
izpolnjujejo merila iz odstavkov (b) do (f) uvodne izjave 28 za subjekt iz podsklada A in
they have, or have publicly stated an intention to launch, a business current account offering;
sodelujejo v storitvi Združenega kraljestva za prenos transakcijskih računov (Current Account Switching Service, „CASS“).
they meet the criteria set out in recital 28 paragraphs (b) to (f) for a Pool A entity; and
Shema spodbud za prenos računov, ki jo financira banka RBS, bi organu zagotovila financiranje za razdelitev sredstev upravičenim subjektom po uspešni zamenjavi strank.
they participate in the UK Current Account Switching Service (‘CASS’).
To naj bi upravičenim subjektom omogočilo, da MSP, ki so bančne stranke RBS, ponudijo spodbude za prenos njihovih poslovnih TRR, depozitnih računov in posojil na upravičene subjekte.
The Incentivised Switching Scheme funded by RBS would provide funding to the Body to distribute funds to Eligible Entities as they successfully switch customers.
Spodbuda bi bila zagotovljena v obliki zaveze banke RBS, da:
This is to enable Eligible Entities to offer incentives to RBS's SME banking customers to encourage them to switch their BCAs, deposit accounts and loans to the Eligible Entities.
upravičenim subjektom izplača do 225 milijonov GBP denarnih spodbud v zvezi z vsemi strankami, ki se strinjajo s prenosom svojih poslovnih TRR („denarne spodbude za prenos poslovnih TRR“);
This would take the form of a commitment by RBS to:
izplača dodatnih 50 milijonov GBP za denarne spodbude, povezane s posojili („denarne spodbude v zvezi s posojili“), za tiste stranke, ki poleg svojega poslovnega TRR prenesejo tudi kreditni produkt;
pay up to GBP 225 million in dowries (i.e. a monetary incentive) to Eligible Entities in relation to any customers that agree to transfer their BCAs (‘BCA dowries’);
nameni dodatnih 75 milijonov GBP svojih stroškov, ki bi bili prav tako na voljo za olajšanje prenosa (nadomestilo za pogodbene kazni, povezane s prenosom salda posojil, ali stroške tretjih strani, kot so pravni stroški).
pay up to an additional GBP 50 million for loan related dowries (‘loan dowries’) for those customers who move a loan-product alongside their BCA;
Denarne spodbude za prenos poslovnih TRR in denarne spodbude v zvezi s posojili bodo upravičenim subjektom omogočile, da financirajo privlačne cenovne ponudbe ali druge spodbude za stranke banke RBS v okviru divizije Williams & Glyn („W&G“) ter navedene stranke pritegnejo k menjavi banke.
ear-mark an additional GBP 75 million of its costs which would also be available to help facilitate switching (compensation for break fees related to the transfer of loan balances or other third party costs such as legal fees).
Denarne spodbude za prenos poslovnih TRR, ki se izplačajo subjektom prejemnikom, bi bile izrazito stopenjske, da bi imeli zadostne vire za zagotovitev privlačnih spodbud za manjša in večja MSP, da kot stranke prenesejo račune nanje.
The BCA dowries and loan dowries will enable Eligible Entities to fund attractive price offers or other incentives to RBS's customers within the Williams & Glyn (‘W&G’) perimeter and attract those customers to switch.
Zneski denarnih spodbud za prenos poslovnih TRR, ki naj bi bili ponujeni na začetku sheme, so predstavljeni v spodnji preglednici.
BCA dowries paid to recipient entities would be steeply tiered so that they have sufficient resources to provide compelling incentives for both smaller and larger SME customers to switch to them.
Preglednica 2
The BCA dowry amounts proposed to be offered at the commencement of the scheme are set out in the table below.
Predlagani začetni zneski denarnih spodbud za prenos poslovnih TRR v okviru sheme spodbud za prenos računov
Table 2
Razpon prometa MSP kot stranke
Proposed initial BCA dowry amounts of Incentivised Switching Scheme
Višina denarne spodbude za prenos poslovnega TRR (v GBP)
GBP 2500001-GBP 7500000
Denarne spodbude v zvezi s posojili bodo upravičenim subjektom omogočile znižanje obrestnih mer, ki se strankam zaračunavajo za posojila, s čimer bodo njihove ponudbe postale konkurenčnejše, hkrati pa bodo ohranili ustrezne donose kapitala.
> GBP 7500000
Če bo stranka prenesla svoj glavni poslovni TRR in kreditni produkt z banke RBS, bo organ subjektu prejemniku izplačal dodatno denarno spodbudo v višini 2,5 % prenesenega salda črpanega posojila.
Loan dowries will enable Eligible Entities to reduce the rates of interest charged on loans to customers, making their offers more competitive while maintaining adequate returns on capital.
Banka RBS bi se usmerila na svoje stranke v okviru divizije W&G (ki vključuje približno 200000 MSP, ki so bančne stranke), ki bi jim bile zagotovljene informacije o koristih menjave banke in morebitnih drugih konkurenčnih subjektih, o katerih bi morda želele razmisliti.
Where a customer switches its primary BCA and a loan product from RBS, the Body will pay to the recipient entity an additional dowry of 2,5 % of the drawn loan balance transferred.
Banka RBS bi začela stranke o shemi spodbud za prenos računov obveščati približno tri mesece po uvedbi svežnja, denarne spodbude pa bi bile na voljo že v drugem četrtletju leta 2018 (približno tri mesece po tem, ko bi banka RBS začela obveščati svoje stranke).
RBS would target its customers within the W&G perimeter (which contains roughly 200000 SME banking customers) who would be provided with information on the benefits of switching and potential alternative Challenger Entities that they may wish to consider.
Postopek razdeljevanja denarnih spodbud za shemo spodbud za prenos računov bi se ponovil vsako četrtletje, dokler bi bile denarne spodbude na voljo.
RBS would start communicating the Incentivised Switching Scheme to customers around three months after launch of the package, and dowries would be available as early as Q2 2018 (around three months from when RBS starts communicating to its customers).
Denarne spodbude bi se prenehale, ko bi bilo za denarne spodbude za prenos poslovnih TRR izplačanih največ 225 milijonov GBP, ali, če se to ne bi zgodilo prej, 18 mesecev po obvestilu banke RBS o shemi spodbud za prenos računov (ob upoštevanju največ 12-mesečnega podaljšanja, glej uvodno izjavo (51)(d)).
The process of distributing dowries for the Incentivised Switching Scheme would be repeated quarterly for as long as dowries are available.
Organ bi bil poleg sklada za zmogljivost in inovacije odgovoren tudi za upravljanje sheme spodbud za prenos računov in nadzor nad njo ter bi stalno spremljal ravnanje banke RBS v zvezi s strankami in njeno interakcijo s strankami.
Dowries would cease when a maximum of GBP 225 million has been paid in respect of BCA dowries or, in the event that this has not occurred earlier, 18 months after RBS's communication of the Incentivised Switching Scheme (subject to an extension of up to 12 months, see recital 51(d)).
Pri tem bi bilo organu med drugim omogočeno, da na podlagi veljavnih zakonov in zahtev po varstvu podatkov:
The Body would be responsible for managing and controlling the Incentivised Switching Scheme, in addition to the Capability and Innovation Fund, and would monitor RBS's behaviour towards and interaction with customers on an ongoing basis.
spreminja višino izplačanih denarnih spodbud za zagotovitev njihove čim večje učinkovitosti;
This would include enabling the Body, subject to applicable laws and data protection requirements, to:
odobri komunikacijsko gradivo, ki ga banka RBS pošlje MSP, ki so njene stranke, v zvezi s shemo spodbud za prenos računov;
make changes to the amount of dowries paid to ensure they are as effective as possible;
od banke RBS zahteva, naj poveča pogostost pošiljanja takega gradiva;
approve the communication materials to be sent by RBS to its SME customers in relation to the Incentivised Switching Scheme;
za največ 12 mesecev podaljša obdobje, v katerem so denarne spodbude na voljo, če je v […] mesecih od datuma začetka sheme spodbud za prenos računov račune preneslo (ali začelo postopek prenosa) manj kot […] upravičenih strank („podaljšan rok za prenos računov na podlagi spodbud“), in
require RBS to increase the frequency of such communications;
od banke RBS zahteva, naj razširi bazo strank, ki jim pošilja taka gradiva, na stranke zunaj okvira divizije W&G, če v danem časovnem okviru računov ni preneslo določeno število strank.
extend the period for which dowries are available by up to 12 months if fewer than […] Eligible Customers have switched (or commenced the switching process) within […] months of the Incentivised Switching Scheme commencement date (the ‘Extended Incentivised Switching Date’); and
Če bo obseg razširjen, bodo s shemo ponudbe za prenos računov usmerjene na MSP, ki predstavljajo približno […] tržnega deleža poslovnih TRR v Združenem kraljestvu.
require RBS to extend the customer base to which it sends such communications beyond the W&G perimeter if a given volume of switchers is not achieved in a given timeframe.
Obseg bo razširjen, če: