natgillin/translations-raw huggingface dataset:
If the perimeter is extended, the scheme will target switching offers at SMEs representing around […] of UK BCA market share.
Za zagotovitev, da ima banka RBS ustrezne spodbude za učinkovito izvajanje sheme spodbud za prenos računov, bo morala banka RBS v primeru, da se je za prenos odločilo manj kot […] strank in da do konca […]-mesečnega obdobja (ali, če se organ odloči podaljšati zadevno obdobje, do izteka podaljšanega obdobja) denarne spodbude niso porabljene v celoti, prenesti vnaprej opredeljeni dodatni večkratnik („multiplikator“) te premajhne porabe na organ, pri čemer je zgornja meja tega multiplikatorja 50 milijonov GBP.
The perimeter will be extended where:
Multiplikator je bil določen na […] premajhne porabe.
In order to ensure that RBS has the appropriate incentives to implement the Incentivised Switching Scheme effectively, in the event that fewer than […] customers have switched and there is an underspend in the dowries by the end of the […] month period (or, in the event the Body decides to extend the relevant period, the date when the extended period ends), RBS would be required to transfer a pre-defined additional multiple (the ‘Multiplier’) of this underspend to the Body, subject to a cap of GBP 50 million.
Za to kazen veljajo naslednji pogoji:
The Multiplier has been set at […] of the underspend.
ker bo uspeh sheme spodbud za prenos računov odvisen od sposobnosti upravičenih subjektov, da oblikujejo privlačne ponudbe za MSP, ki so stranke banke RBS, bo imel organ pooblastilo, da zniža multiplikator, če je utemeljeno prepričan, da je bila morebitna premajhna poraba rezultat dejavnikov, na katere banka RBS ni mogla vplivati;
This penalty is subject to the following conditions:
banki RBS se lahko s soglasjem organa dovoli, da po določenem času preoblikuje denarne spodbude ter tako izboljša učinkovitost sheme in zmanjša verjetnost, da bi ji bila naložena kazen, ter
as the success of the Incentivised Switching Scheme will be dependent on the ability of Eligible Entities to build attractive propositions for RBS's SME customers, the Body would have the power to reduce the Multiplier to the extent that it was reasonably satisfied that any underspend was a result of factors beyond the control of RBS;
če (i) organ do datuma prenehanja spodbud za prenos razširi obseg; (ii) se je za prenos odločilo manj kot […] strank in (iii) organ meni, da banka RBS spodbud za prenos ni dejavno sporočala strankam v širši skupini, lahko organ zviša multiplikator na tak odstotek, kot se mu zdi primeren, pri čemer je zgornja meja multiplikatorja 50 milijonov GBP.
with the consent of the Body, RBS may be allowed to restructure the dowries after a period of time in order to improve the efficacy of the scheme and reduce the probability of it incurring a penalty; and
Kadar vsota premajhne porabe in multiplikatorja (skupaj z morebitnimi izterjanimi zneski in zneski, ki iz sklada za zmogljivost in inovacije niso bili razdeljeni) znaša manj kot 5 milijonov GBP, organ sredstva razdeli dobrodelnim ustanovam.
if (i) the Body has extended the perimeter by the incentivised switching termination date; (ii) there are fewer than […] switched customers; and (iii) the Body considers that RBS did not actively communicate incentivised switching to customers in the wider pool, the Body may increase the Multiplier to such percentage as it considers appropriate, subject to a cap of GBP 50 million.
RBS se bo strinjala z ureditvijo neprevzemanja strank na podlagi sheme spodbud za prenos računov, s katero bo banki RBS in članom njene skupine prepovedano, da (i) sprejmejo nekatere ukrepe, ki bi lahko škodovali shemi spodbud za prenos računov, ter (ii) nagovarjajo, napeljujejo ali spodbujajo upravičene stranke (ali stranke, ki so se odločile za prenos na upravičeni subjekt v okviru sheme spodbud za prenos računov), naj ostanejo stranka skupine v zvezi s katerim koli poslovnim TRR ali ustreznim kreditnim produktom ali naj v določenih rokih prenesejo kateri koli poslovni TRR ali ustrezni kreditni produkt z upravičenega subjekta v okviru sheme spodbud za prenos računov na katerega koli člana skupine.
Where the sum of the underspend and Multiplier (together with any amounts clawed back and any amounts not distributed out of the Capability and Innovation Fund) amounts to less than GBP 5 million, the Body will distribute the funds to charities.
Da bi banka RBS podprla uspeh sheme spodbud za prenos računov, bo subjektom, ki sodelujejo v njej, ponudila možnost vključitve v listino o medbančnem zastopanju, ki strankam, ki jih privabijo na podlagi sheme spodbud za prenos računov, ponuja možnost, da še naprej uporabljajo storitve upravljanja z gotovino in čeki v podružnicah banke RBS („shema dostopa do podružnic“).
RBS will agree to non-solicitation arrangements under the Incentivised Switching Scheme, which will prohibit RBS and members of its group from (i) taking certain actions which may have an adverse effect on the Incentivised Switching Scheme; and (ii) soliciting, inducing or encouraging Eligible Customers (or customers who have switched to an Incentivised Switching Eligible Entity) to remain a customer of the group in respect of any BCA or relevant loan product, or to transfer any BCA or relevant loan product from Incentivised Switching Eligible Entities to any member of the group within certain prescribed time periods.
Ta dostop do podružnic bo upravičenim strankam na stroške zadevnega subjekta na voljo najmanj tri leta od uvedbe sheme spodbud za prenos računov na podlagi razumnih in nediskriminacijskih poslovnih pogojev.
In order to support the success of the Incentivised Switching Scheme, RBS will offer to entities participating in the Incentivised Switching Scheme the option of entering into an Inter-Bank Agency Deed allowing customers they attract under the Incentivised Switching Scheme the option of continuing to use cash and cheque handling services in RBS branches (the ‘Branch Access Scheme’).
Začetni stroški kapitala ukrepa B so 350 milijonov GBP plus stroški izvajanja za banko RBS in stalna izguba prihodnjih prihodkov banke RBS.
This branch access will be available for Eligible Customers for a minimum of three years from the launch of the Incentivised Switching Scheme on reasonable and non-discriminatory commercial terms, at the expense of the entity concerned.
PRIPOMBE ZAINTERESIRANIH STRANI IN ORGANOV ZDRUŽENEGA KRALJESTVA
The upfront capital cost of Measure B is GBP 350 million plus the implementation cost for RBS and RBS's ongoing loss of future earnings.
SPLOŠNE PRIPOMBE O NADOMESTNEM SVEŽNJU
COMMENTS FROM INTERESTED PARTIES AND UK AUTHORITIES
S sklepom o začetku postopka je bila zainteresiranim stranem dana priložnost, da predložijo pripombe o predlogu organov Združenega kraljestva.
OVERALL COMMENTS ON THE ALTERNATIVE PACKAGE
V fazi posvetovanja so bile prejete številne pripombe.
The Opening Decision gave interested parties the opportunity to comment on the proposal of the UK authorities.
Nanašale so se na prvotni nadomestni sveženj, kot je opisan v uvodnih izjavah od 28 do 68 sklepa o začetku postopka („prvotni nadomestni sveženj“).
A large number of comments have been received during the consultation phase.
Organi Združenega kraljestva so na podlagi pripomb zainteresiranih strani in lastne tržne študije nadomestni sveženj posodobili, kot je opisano v oddelku 2.3.
The comments received were on the initial alternative package as described in recitals 28 to 68 of the Opening Decision (‘Initial Alternative Package’).
Glede na številne pripombe so v tem oddelku predstavljene glavne pripombe, ki so bile skupne več zainteresiranim stranem ter ki bodo pomagale oceniti enakovrednost nadomestnega svežnja in odprodaje poslovnih enot Rainbow.
Reflecting the comments from interested parties and their own market study, the UK authorities have updated the alternative package, as described in Section 2.3.
SPLOŠNE PRIPOMBE ZAINTERESIRANIH STRANI O NADOMESTNEM SVEŽNJU
Given the large number of comments, the main comments that were shared by several interested parties to help assess the equivalence of the alternative package with the divestment of the Rainbow business are outlined in this section.
Iz večine prejetih pripomb je razvidno, da ima prvotni nadomestni sveženj vrsto lastnosti, ki bi lahko okrepile konkurenco na trgih MSP v Združenem kraljestvu.
OVERALL COMMENTS FROM INTERESTED PARTIES ON THE ALTERNATIVE PACKAGE
V nekaterih pripombah je navedeno, da bo imel nadomestni sveženj hitrejši učinek na konkurenco in manj izvedbenih tveganj ter da lahko okrepi več kot samo en konkurenčni subjekt (kot velja za odprodajo poslovnih enot Rainbow).
The majority of comments received indicate that the Initial Alternative Package has a number of features that could enhance competition in the UK SME markets.
Nekatere zainteresirane strani v zvezi s skupnim prvotnim nadomestnim svežnjem navajajo:
Some indicate that the alternative package would have a faster impact on competition with less execution risk and has the capacity to strengthen not just one Challenger Entity (as with the divestment of the Rainbow business).
da skupna velikost prvotnega nadomestnega svežnja ni zadostna, da bi privedla do strukturnih sprememb na trgu MSP v Združenem kraljestvu, za katerega so značilne velike ovire za menjavo banke;
Some interested parties suggest on the overall Initial Alternative Package that
da prenos poslovnih transakcijskih računov, ki ustrezajo 2-odstotnemu tržnemu deležu na trgu MSP, ni enakovreden odprodaji poslovnih enot Rainbow (ki predstavljajo približno 5-odstotni delež trga MSP v smislu števila MSP kot strank);
the overall size of the Initial Alternative Package is insufficient to drive structural change in the UK SME market, which has high barriers to switching;
da s prenosom poslovnih TRR ni zajet prenos sredstev ter
a transfer of business current accounts equivalent to a market share of 2 % of the SME market is not equivalent to the divestment of the Rainbow business (representing roughly a 5 % SME market share in terms of the number of SME customers);
da bodo organ in njegove odločitve ključni za uspeh (ali neuspeh) nadomestnih ukrepov.
a transfer of BCAs does not address a transfer of assets; and
Težko bo zagotoviti, da bo organ dovolj nepristranski.
the Body and its decisions will be central to the success (or otherwise) of the Alternative Measures.
SPLOŠNE PRIPOMBE ORGANOV ZDRUŽENEGA KRALJESTVA O NADOMESTNEM SVEŽNJU IN PRIPOMBAH ZAINTERESIRANIH STRANI
It will be difficult to ensure the Body has the requisite degree of impartiality.
Organi Združenega kraljestva menijo, da je nadomestni sveženj vsaj enakovreden odprodaji poslovnih enot Rainbow v smislu njegovega učinka na omejevanje možnosti izkrivljanja konkurence ter da se lahko izvede z večjo gotovostjo in hitreje kot odprodaja.
OVERALL COMMENTS FROM UK AUTHORITIES ON THE ALTERNATIVE PACKAGE AND ON COMMENTS FROM INTERESTED PARTIES
Organi Združenega kraljestva menijo, da je nadomestni sveženj kot celota oblikovan tako, da se z njim na trgu vzpostavi zmogljivost za spodbujanje višjih stalnih ravni menjave bank na trgu bančnega poslovanja z MSP in srednje velikimi korporacijami.
The UK authorities consider that the alternative package is at least equivalent to a divestment of the Rainbow business in terms of its impact on limiting potential distortions of competition, and can be implemented with more certainty and more quickly than a divestment.
Pri tem bo najtežje breme nosila banka RBS kot največji akter.
The UK authorities consider that the alternative package as a whole is designed to build the capacity in the market to drive higher ongoing levels of market-wide switching in the SME and mid-corporate banking markets.
Čeprav je koristi sklada za zmogljivost in inovacije težje kvantificirati kot koristi sheme spodbud za prenos računov, bo navedeni sklad okrepil bančne ponudbe več bank za MSP, prinesel večjo izbiro na trgu, ustvaril raznolikost poslovnih modelov in spodbudil prenose računov.
As the largest player, the burden of this will fall most heavily on RBS.
Pospešil bo tudi razvoj novih podjetij in novih tehnologij, s katerimi naj bi se zmanjšala odvisnost MSP od njihovih bank.
Although less easily quantifiable than the benefits of the Incentivised Switching Scheme, the Capability and Innovation Fund will strengthen multiple banks' SME banking offerings, bringing more choice to the market, creating a diversity of business models and driving switching.
Organi Združenega kraljestva trdijo, da je bil nadomestni sveženj oblikovan za dosego istih ciljev, kot naj bi bili doseženi s prvotno odprodajo poslovnih enot Rainbow:
It will also accelerate the development of new businesses and new technologies that would weaken SMEs' dependence on their banks.
zmanjšanje tržnega deleža banke RBS: z izvajanjem sheme spodbud za prenos računov in zagotovitvijo sredstev za razvoj bančne zmogljivosti za MSP se bodo okrepili manjši konkurenti, ki bodo tako lahko izvajali večji konkurenčni pritisk na banko RBS;
The UK authorities submit that the alternative package has been designed to meet the same objectives as the original divestment of the Rainbow business:
zmanjšanje komercialne koristi od prejetja pomoči: nadomestni sveženj ima precejšnje začetne stroške in dodatni stalni učinek zaradi zmanjšanega prometa zaradi zmanjšanja števila MSP, ki so stranke, na podlagi sheme spodbud za prenos računov;
Reduce RBS's market share: The implementation of the Incentivised Switching Scheme and the provision of funds to develop SME banking capability will strengthen smaller competitors and allow them to exert a greater competitive constraint on RBS;
prenos MSP kot strank: v nasprotju z odprodajo, ki bi vključevala prisilen prenos MSP kot strank, ki se niso odločile za menjavo banke, se s shemo spodbud za prenos računov stranke spodbujajo, naj se same odločijo za menjavo banke.
Reduce the commercial gain from having received the aid: The alternative package has a significant upfront cost with an additional ongoing impact through reduced turnover from a reduction in SME customers through the Incentivised Switching Scheme;
Za opolnomočene stranke velja večja verjetnost, da bodo sodelovale z novo banko in jo v prihodnosti znova zamenjale, če bodo lahko pri drugi banki dobile boljšo ponudbo, ter
Transfer of SME customers: Unlike a divestment, which would involve the forced transfer of SME customers who have not chosen to move bank, the Incentivised Switching Scheme encourages customers to make their own decision to switch.
dostop do podružnic za zagotavljanje storitev MSP kot strankam: s shemo dostopa do podružnic se podpira prehod strank z banke RBS na konkurenčne subjekte na podlagi sheme spodbud za prenos računov, saj tem strankam ne bo treba spremeniti vsakodnevnega upravljanja z gotovino.
Empowered customers should be more likely to engage with their new bank, and switch again in the future if they can obtain a better deal with another bank; and
V zvezi z učinkom nadomestnega svežnja na segment srednje velikih korporacij organi Združenega kraljestva tudi menijo:
Access to branches to cater for SME customers: The Branch Access Scheme supports the switching of customers away from RBS to Challenger Entities under the Incentivised Switching Scheme, as these customers will not need to change their day to day cash handling arrangements.
da je banka RBS od četrtega četrtletja 2010 izgubila [5–10]-odstotni tržni delež v segmentu korporacij, ki se je s [30–35] % zmanjšal na [20–25] %.
In terms of impact of the alternative package on the mid-corporate segment, the UK authorities also consider that:
Banka RBS ni več največja banka za zagotavljanje storitev srednje velikim korporacijam v Združenem kraljestvu.
RBS has lost [5-10] % of market share in the corporate segment since Q4 2010, moving from a [30-35] % to a [20-25] % share.
To zmanjšanje tržnega deleža tudi bistveno presega zmanjšanje tržnega deleža, predvideno z odprodajo poslovnih enot Rainbow;
It is no longer the largest bank for serving mid-corporate customers in the UK.
da sklad za zmogljivost in inovacije vključuje več zelo pomembnih nepovratnih sredstev za pomoč bankam z vzpostavljeno bančno franšizo za MSP, da bi okrepile in razširile svoje obstoječe ponudbe poslovnega bančništva za velika MSP in srednje velike korporacije.
This reduction in market share also substantially exceeds the reduction in market share envisaged by the divestment of the Rainbow business.
Organi Združenega kraljestva predvidevajo, da bodo številne od teh sprememb okrepile sposobnost nekaterih bank za zagotavljanje storitev srednje velikim korporacijam ter da se bo povečalo skupno številko bank, ki bodo posledično lahko razvile in zagotavljale ponudbe za srednje velike korporacije;
The Capability & Innovation Fund includes a number of very significant grants to help banks with an established SME banking franchise enhance and extend their existing business banking propositions for large SMEs and mid-corporates.
da je cilj sheme spodbud za prenos računov zagotoviti prehod velikih MSP, ki so stranke banke RBS, z banke RBS na druge banke.
The UK authorities anticipate that many of these developments will enhance certain banks' ability to serve mid-corporate customers and will increase the total number of banks able to consequently develop and offer propositions for mid-corporates.
Banke prejemnice bo povečano število velikih MSP kot strank spodbudilo k razvoju storitev za večja podjetja, vključno s srednje velikimi korporacijami.
The Incentivised Switching Scheme is targeted to deliver a movement of large SME customers from RBS to other banks.
Poleg tega je sčasoma mogoče pričakovati, da se bodo nekatera velika MSP, ki so stranke, razvila v srednje velike korporacije, kar bo nadalje spodbudilo razvoj ustreznih ponudb;
For recipient banks the increased number of large SME customers will incentivise the development of services for larger firms including mid-corporates.
da je organ CMA ugotovil, da so se bila MSP s prometom, večjim od 2 milijonov GBP, s svojimi bankami na splošno sposobna pogajati o pogojih oblikovanja cen in storitev.
In addition, over time, some of the large SME customers can be expected to grow to being mid-corporate firms, which will further incentivise the development of relevant offerings.
Da bi bil to učinkovit način za ustvarjanje konkurence, je ključno, da imajo te stranke zanesljive nadomestne ponudnike.
The CMA found that SMEs with turnover above GBP 2 million were generally able to negotiate pricing and service terms with their banks.
Ko bo dodatnim bankam omogočeno, da vzpostavijo zmogljivosti za srednje velike korporacije, bo konkurenca bistveno okrepljena;
For this to be an effective means of generating competition it is critical that these customers have viable alternative providers.
da je bilo zaradi zapletenosti poslovanja s strankami, ki so srednje velike korporacije, v predlogih, ki jih je prejela banka RBS, ko je v preteklosti poskušala odprodati poslovne enote Rainbow, predvideno […].
By enabling additional banks to build mid-corporate capabilities competition will be materially enhanced.
Poleg tega organi Združenega kraljestva upoštevajo dodatne prednosti nadomestnega svežnja pred odprodajo poslovnih enot Rainbow.
Due to the complexity of handling mid-corporate customers, the proposals RBS had received when attempting to sell the Rainbow business in the past envisaged […].
Geografski obseg: nadomestni sveženj bi brez kakršne koli geografske omejitve vplival na konkurenco po vsem Združenem kraljestvu.
Furthermore, the UK authorities consider additional advantages of the alternative package over the divestment of the Rainbow business.
Širok vpliv na trg: nadomestni sveženj bi prispeval k uvedbi sistemske in dolgotrajne spremembe na trgu, tako da bi vrsti konkurenčnih subjektov pomagal učinkoviteje konkurirati uveljavljenim bankam.
Geographic scope: The alternative package would impact competition throughout the UK, without any geographic limitation
Natančneje:
Broad market impact: The alternative package would help to bring about a systemic and long lasting change on the market by assisting a number of Challenger Entities to compete with the incumbent banks more effectively.
sklad za zmogljivost in inovacije bo subjektom pomagal razviti zmogljivost za zagotavljanje storitev MSP in srednje velikim korporacijam, obenem pa se bosta izboljšala tudi njihova likvidnost in finančni položaj.
More specifically:
Spodbudil bo tudi razvoj novih tehnologij, ki jih bodo uporabljali konkurenčni subjekti;
The Capability and Innovation Fund will assist entities to develop their capacity to service SMEs and mid-corporates, whilst also increasing their liquidity and financial standing.
shema spodbud za prenos računov bo upravičenim subjektom v okviru sheme spodbud za prenos računov pomagala, da povečajo svojo bazo strank in se tako uveljavijo;
It will also encourage the development of new technologies to be used by Challenger Entities;
shema dostopa do podružnic bo upravičenim subjektom omogočila, da bodo fizično opravljali storitve za MSP, ki jih bodo na podlagi sheme spodbud za prenos računov pridobili kot nove stranke, npr. z zagotavljanjem storitev upravljanja z gotovino in čeki.
The Incentivised Switching Scheme will help the Incentivised Switching Eligible Entities to become established, by growing their customer-bases;
Sveženj zajema tržna vprašanja, ki jih je opredelil organ Združenega kraljestva za konkurenco in trge („CMA“): nadomestni sveženj zajema tudi nekatera ključna tržna vprašanja, ki jih je organ CMA opredelil v svojem nedavnem pregledu trga bančnega poslovanja z MSP v Združenem kraljestvu.
The Branch Access Scheme will enable Eligible Entities to physically service newly acquired SME customers under the Incentivised Switching Scheme e.g. by providing cash and cheque handling services.
Med temi vprašanji so:
Addresses market issues identified by the UK Competition and Markets Authority (‘CMA’): The alternative package also addresses some key market issues identified by the CMA in its recent review of the UK SME banking market.
nizke ravni zanimanja strank za svoje bančne storitve, slabi odzivi na razlike v cenah in kakovosti ter neobstoj sprožilcev za menjavo banke;
These issues include:
neobstoj spodbud za banke, da bi vlagale v privabljanje strank k menjavi banke;
Low levels of customer engagement with their banking services, weak responses to variations in price and quality and a lack of trigger points to prompt switching;
visoki stroški pridobivanja strank za nov vstop in širitev konkurenčnih subjektov;
A lack of incentives for banks to invest in attracting customers to switch;
neobstoj inovacij na področju produktov in tehničnih inovacij pri bančnem poslovanju z MSP;
High customer acquisition costs for new entry and expansion by Challenger Entities;
skrbi konkurenčnih subjektov glede stroškov oblikovanja in vodenja mreže podružnic.
The lack of product and technical innovation in SME banking
Roki in gotovost izvedbe: nadomestni sveženj se lahko izvede bolj pravočasno in zanesljivo.
Concerns from Challenger Entities about the cost of building and running a branch network.
Z njim bi se izognili tveganjem in negotovostim kapitalske transakcije, kot so se pokazali pri prejšnjih poskusih prodaje poslovnih enot Rainbow.
Timing and certainty of execution: The alternative package can be implemented in a more timely and certain manner.
Odstranitev ovir za izstop organov Združenega kraljestva iz banke RBS: organi Združenega kraljestva so javno napovedali, da nameravajo nadaljevati prodajo svojega deleža v banki RBS in s tem banko RBS vrniti v zasebno lastništvo.
It would avoid the risks and uncertainties of a capital transaction, as experienced in previous attempts to sell the Rainbow business.
Prevladujoče težave in zamude z odprodajo poslovnih enot Rainbow, ki je edina od zavez za odprodajo, ki jo je še treba izpolniti, so povzročile negotovosti, ki so vplivale na privlačnost banke RBS kot naložbene ponudbe.
Removing barriers to the UK Authorities' exit from RBS: The UK Authorities has publicly expressed its intention to progress with the sale of its stake in RBS and thereby return RBS to private ownership.
Z nadomestnim svežnjem bi bile te negotovosti odpravljene.