natgillin/translations-raw huggingface dataset:
The assignment of the working group will be, in particular, to examine the abolishment of stamp duties for bonds issued by individuals, when transferred between creditors (i.e. when individuals transfer their loans from one loan institution to another).
Pomembno je, da je k znatnemu delu rasti treh bank prispevalo posojanje tujim strankam, kar se je precej razmahnilo med letom 2007 [7], in sicer najbolj opazno po začetku mednarodne likvidnostne krize.
The group shall furthermore examine how the provision of stamp duty may be amended in order to simplify procedures and promote competition.
Islandska vlada je upoštevala politiko, v osnovi določeno v zakonu o izrednih razmerah [12], ki ga je islandski parlament sprejel 6. oktobra 2008.
Measures to facilitate switching and reduce switching costs
Organu za finančni nadzor so bile s tem zakonom dodeljene izredne pristojnosti, in sicer da prevzame nadzor nad finančnimi podjetji ter da po potrebi proda njihova sredstva in obveznosti.
In accordance with a resolution passed by the Icelandic parliament on 21 March 2012, a committee will be appointed by the government with the mandate to review consumer protection in the financial market and present proposals as to how the position of individuals and households can be strengthened vis-à-vis loan institutions.
Med letom 2009 je bila valuta kljub kapitalskim kontrolam, uvedenim jeseni leta 2008, nestanovitna [15].
The appointment of the committee will include a specific mandate for the review of switching facilitation and switching costs reduction, and for the committee to work closely with the ICA as regards that issue.
Ta pretres je v islandskem gospodarstvu povzročil resno recesijo z zmanjšanjem BDP za 6,8 % v letu 2009 in za 4 % v letu 2010.
The Committee shall present its report no later than 15 January 2013.
Istočasno pa je uvoz strmo upadel, pri čemer je leta 2010 v trgovinski bilanci [17] začasno nastal presežek v višini 10 % BDP.
Moreover, the Icelandic authorities have endorsed the following commitments by Landsbankinn:
Vendar se je leta 2011 s povečanim domačim povpraševanjem uvoz spet povečal, zaradi česar je bila trgovinska bilanca v celoti manjša, in sicer 8,2 % BDP.
Limitation on acquisitions
Po napovedi Statističnega urada Islandije za obdobje 2012–2017 naj bi se postopna oživitev gospodarstva v letu 2012 nadaljevala z 2,6-odstotno rastjo.
Landsbankinn commits itself not to acquire financial institutions until 15 December 2014.
Pričakuje se, da bo skozi celotno obdobje napovedi stopnja rasti ostala podobna.
Notwithstanding this commitment, Landsbankinn may, after obtaining the Authority's approval, acquire financial institutions, in particular if this is necessary in order to safeguard financial stability.
Organ za finančni nadzor je zato določil, da je najnižja stopnja kapitalske ustreznosti za tri banke 16 %, od česar mora delež kapitala 1. reda znašati vsaj 12 %.
Divestment of […] and closure of branches
Zahteve so veljale vsaj tri leta, če jih Organ za finančni nadzor prej ni spremenil.
Landsbankinn commits itself to divest of its shareholding in […] before [date].
Islandija se kljub večjim dosežkom pri ponovni vzpostavitvi finančnega sektorja še naprej bori s posledicami finančne krize in krize valute, nastale jeseni leta 2008.
Moreover, Landsbankinn commits to close […] of its branches [date].
Po finančni krizi so se razkrile različne pomanjkljivosti in nepravilnosti v finančnem sistemu, ki jih je treba obravnavati, če naj bi se zaupanje javnosti povrnilo.
Divestment of shares in companies under restructuring
Družba Teris je po zaprtju mnogih manjših finančnih podjetij v zadnjih letih izgubila precejšen del prihodka, zato je januarja 2012 nekaj svojih rešitev IT prodala družbi RB.
Landsbankinn commits itself in general to sell, as soon as possible, shareholdings in operating companies, which have been taken over due to restructuring, cf.
S to transakcijo naj bi se po navedbah družb RB in Teris med drugim zajamčilo neprekinjeno zagotavljanje storitev IT manjšim finančnim podjetjem.
Article 22 of the Act on Financial Undertakings No 161/2002.
Mnoge operativne družbe so zaradi prevelike zadolženosti po gospodarskem zlomu leta 2008 prevzele banke (ki so bile upniki teh družb).
Furthermore, the bank commits itself to follow the procedure and time-limits, which are set out in the above-mentioned legal provision.
Islandski organ za konkurenco meni, da lahko to ustvari nasprotje interesov, kadar banke družbam zagotavljajo finančne storitve, obenem pa so njihove lastnice.
Finally, the bank will maintain up-to-date information on its website (or website of a relevant subsidiary) on such shareholdings that are held for sale.
Banka Landsbanki
In particular, Landsbankinn commits to offer for sale its shareholdings in the following companies, provided that the companies, including their financial positions, operations and future prospects, will not be subject to significant legal/litigation risk or comparable uncertainties:
Banka Landsbankinn
Measures benefitting new and small competitors
Združeno kralje-stvo in Irska
Landsbankinn commits itself to undertake the following measures for the benefit of new and small competitors:
Druge države
Landsbankinn will, until the end of 2014, neither enforce contract clauses nor make new contract clauses, which make special terms on interest rates contingent upon maintaining a minimum range of business with the bank.
Dobiček pred odbitkom davka po poslovnih segmentih
Landsbankinn will provide for easily accessible information, at the Bank's website, on the process of switching banking services to another financial institution.
Organ za finančni nadzor je 7. oktobra 2008 prevzel nadzor nad banko Landsbanki, 9. oktobra 2008 pa so bile domače obveznosti in domača sredstva (večina sredstev) prenesene na banko New Landsbanki.
Furthermore, the website will make easily accessible the necessary documents to switch between financial institutions.
Stečajno premoženje nekdanje banke in njeni upniki naj bi za ta prevzem prejeli nadomestilo v višini razlike med sredstvi in obveznostmi.
The same information and business-transfer forms will be available at the branches of the bank.
Ta sporazum je bil dosežen po dolgotrajnem in obsežnem procesu pogajanj, ki so se zaključila 10. oktobra 2009 z okvirnim sporazumom med strankami o glavnih točkah sporazumov in 20. novembra 2009 s podrobnejšimi sklopi dogovorov v zvezi z dolžniškimi instrumenti.
Provided that competitive service offers are not available, Landsbankinn is willing to offer the following services at a price that will be based on cost plus reasonable margin:
Poleg tega so se nanjo sklicevali v pismu o nameri, ki ga je islandska vlada poslala Mednarodnemu denarnemu skladu (objavljenem na spletišču ministra za gospodarske zadeve in MDS) 7. aprila 2010 (ter ponovno v naslednjem pismu o nameri z dne 13. septembra 2010).
Payment processing services for ISK.
Končni rok za povečanje kapitalske osnove hranilnice Keflavik je potekel 21. aprila 2010.
Payment processing services for FX.
Hranilnica Keflavik je v dopisu z dne 22. aprila 2010 Organ za finančni nadzor obvestila, da je del njenih upnikov predloge o finančni reorganizaciji zavrnil, in ob upoštevanju tedanjega položaja hranilnice se je zahtevalo, naj njene dejavnosti prevzame Organ za finančni nadzor.
Distribution of bank notes and coins.
Islandski organi so načrt prestrukturiranja banke Landsbankinn predložili 31. marca 2011.
RELEVANT ADAPTATIONS AND CHANGES TO THE REGULATORY AND SUPERVISORY FRAMEWORK FOR FINANCIAL MARKETS IN ICELAND ADOPTED AFTER THE CRISIS
Ti organi so načrt spremenili, posodobili in ponovno predložili 23. maja 2012 (v nadaljnjem besedilu: načrt prestrukturiranja).
The Icelandic authorities have submitted the following overview of amendments made to the legislation which was in effect in the autumn of 2008:
Kot je bilo navedeno, je bila med oktobrom 2008 večina domačih sredstev in obveznosti banke Landsbanki prenesenih na banko Landsbankinn.
FME's (The Icelandic Financial Supervisory Authority) authorisations to intervene (to take over the powers of shareholders' meetings and dispose of assets, cf. the emergency legislation) have been increased; FME has been given expanded supervisory authorisations; additional provisions have been adopted enabling FME to evaluate the operations or behaviour of individual supervised parties.
Zaradi tega procesa je večina dolga velikih medbančnih poslov ostala v stečajnem premoženju banke Landsbanki, zato banka Landsbankinn nikoli ni imela toliko finančnih vzvodov kot banka Landsbanki.
These include both decision-making authorisations, such as on the closing of establishments or termination of specific activities without actual revocation of operating licences, as well as a more detailed definition of concepts whose interpretation has been disputed by FME and supervised entities or appellate bodies.
Glede na načrt prestrukturiranja naj bi to razmerje med obdobjem prestrukturiranja po napovedih še naraslo in ob koncu leta 2014 doseglo [> 20] %.
Rules on individual large exposures have been clarified and made more specific; both the role and responsibility of risk management have been increased and FME authorised to accord risk management higher status in the organisation of financial undertakings; provisions on the application of stress tests have been tightened.
Banka Landsbankinn torej pričakuje, da bo med obdobjem prestrukturiranja in po tem obdobju ostala precej nad kapitalskimi zahtevami Organa za finančni nadzor.
Provisions for a special registry of larger borrowers have been legalised, in order to provide better overview of large, individual exposures to two or more financial undertakings.
Podobno naj bi se do leta 2014 znesek posojil finančnim institucijam predvidoma zmanjšal za približno […] %.
The registry is important for linking exposures together and assessing their systemic impact if difficulties should arise in the borrowers' operations.
Po drugi strani pa se bodo posojila strankam glede na načrt prestrukturiranja povečala za v grobem […] % na približno […] milijard ISK.
Entities not subject to FME supervision, but which are listed in the registries of financial undertakings, must provide FME with information on all their obligations.
Diagram 3
FME can prohibit the provision of services to such parties should they refuse to provide the information requested.
Korelacija med izgubo ob neplačilu in BDP
Provisions on sound business practices have been reinforced and the existence of the Complaints Committee on Transactions with Financial Undertakings enshrined in law; detailed information must be disclosed on all major owners of financial undertakings.
[Diagram o korelaciji med izgubo ob neplačilu in BDP
The time limits allowing financial undertakings to dispose of appropriated assets have been shortened.
vrednosti niso razkrite zaradi varovanja poklicne skrivnosti]
Provisions on financial undertakings' holdings in own shares have been tightened and defined in more detail.
Diagram 4
Holdings of subsidiaries are now considered own shares, as are off-balance-sheet contracts concerning own shares.
Osnovni likvidnostni položaj po dvigih vseh institucionalnih vlog in različnih dvigih strank.
Financial undertakings have been prohibited from extending credit against pledges of their own shares or guarantee capital certificates.
[Diagram o likvidnostnem položaju banke Landsbankinn
FME is now to lay down rules as to how loans secured by a mortgage on the shares of other financial undertakings are to be calculated in the risk base and capital base.
Nadzorni organ je menil, da lahko končno stališče glede združljivosti ukrepov, ocenjenih v odločbi o začetku postopka, sprejme šele na podlagi načrta prestrukturiranja, ki mu ob začetku formalnega postopka preiskave 15. decembra 2010 še ni bil predložen.
Both the responsibility and role of internal auditing section has been increased.
Nadzorni organ je pomisleke glede združljivosti pomoči izrazil predvsem zaradi tega, ker načrta prestrukturiranja še več kot dve leti po ustanovitvi banke Landsbankinn in eno leto po sporazumu z upniki banke Landsbanki ni bilo.
There are detailed rules concerning the balance between the size and diversity of the activities of the financial undertaking concerned and the scope of its internal auditing section.
Z ukrepi se krepi položaj banke Landsbankinn v primerjavi s konkurenti (ali možnimi konkurenti) na Islandiji in v drugih državah EGP.
Five-year limits have been placed on the period for which an auditing firm may carry out the audit of the same financial undertaking; financial undertakings' ability to dismiss a ‘difficult’ auditor is reduced.
Kot je opisano zgoraj, je banka Landsbankinn podjetje, dejavno na finančnih trgih, odprtih za mednarodno konkurenco v EGP.
All provisions on calculation of equity and various other technical aspects have been reviewed.
To zvišanje bi nato v letu 2014 prineslo dobiček nad […] milijard ISK.
Rules on exercising qualifying holdings, i.e. 10 % or more of voting rights, have been reviewed.
Islandski organi trdijo, da so ti načrti verjetni, ker so posli, kot so transakcije, povezane s trgom lastniških vrednostnih papirjev, in trgovina s tujimi valutami, po zlomu in uvedbi kapitalskih kontrol praktično zastali.
FME is authorised to reverse the onus of proof in assessing parties intending on acquiring or adding to qualifying holdings, e.g. when it is uncertain who is/are the beneficial owner/-s of a holding company with a qualifying holding.
S temi ukrepi naj bi se v celoti znižalo razmerje med stroški in dobičkom s 57,2 % na […] % v letu 2014.
Rules have been set concerning credit transactions of financial undertakings with directors, managing directors, key employees and owners of qualifying holdings in the financial undertaking concerned.
Nadzorni organ je leta 2012 pojasnil smernice o državni pomoči glede kapitalskih vložkov prek delnic.
Similar rules apply to parties closely connected with the above-mentioned.
V odstavkih 7 in 8 smernic o finančni krizi iz leta 2012 je določeno: „Nadzorni organ zaradi regulativnih sprememb in spreminjajočega se tržnega okolja pričakuje, da se bodo državni kapitalski vložki v prihodnosti pogosteje zagotavljali v obliki delnic s spremenljivim donosom.
FME has adopted rules as to what is considered satisfactory collateral for such transactions.
Razjasnitev pravil o ceni kapitalskih vložkov je zaželena, ker so donos iz teh delnic (negotove) dividende in kapitalski dobički, kar otežuje neposredno predhodno oceno donosa pri teh instrumentih.
Rules concerning arrangements for incentive schemes and bonuses to management and employees and on termination contracts have been adopted.
Nadzorni organ bo zato ocenil donos takih kapitalskih vložkov na podlagi cene delnic ob izdaji.
Provisions on the reorganisation and winding-up of financial undertakings have been tightened.
Kapitalski vložki bi morali biti vpisani z dovolj velikim odbitkom cene delnic (po prilagoditvi za ‚učinek slabitve‘) neposredno pred napovedjo kapitalskega vložka, da se zagotovi razumno zagotovilo, da bo država prejela primerno nadomestilo“ [60].
An overall revision of special rules on savings banks has been carried out.
Taka natančnejša ocena bi lahko konkurenci dolgoročno koristila.
The status and rights of guarantee capital owners of savings banks have been clarified, restrictions set on dividends, clear rules have been adopted on guarantee capital transactions, rules have been set on write-downs of guarantee capital and rules on savings banks' authorisations for formal cooperation have been clarified.
Istega dne so se začeli stečajni postopki tudi za banko Glitnir, dva dni pozneje, 9. oktobra 2008, pa še za banko Kaupthing.
Savings banks have been prohibited from altering their legal form.
V poročilu posebne preiskovalne komisije (glej odstavek 14 in opombo 4 te odločbe) so ugotovili (v poglavju 21 na strani 86), da je bilo ključno, da banka Landsbanki, ne glede na likvidna sredstva v ISK, ni imela na razpolago dovolj tujih valut, da bi odplačala svoje obveznosti v tujini.
According to the Icelandic authorities, Icelandic rules in some respects go beyond the pan-European framework.
Zaradi zloma treh glavnih komercialnih bank in prevladujočih negotovosti na finančnih trgih so bila resno prizadeta tudi druga finančna podjetja, zato so leta 2010 v javno upravljanje prišla še druga finančna podjetja.
The main deviations from rules adopted by the EU which have been taken up in the EEA Agreement are the following:
Zato je Organ za finančni nadzor marca 2010 imenoval začasni upravni odbor investicijske banke VBS.
FME is authorised to restrict the activities of individual establishments of financial undertakings, if it sees reason to do so.
Ne vključuje bilance primarnega dohodka iz tujine, ki je bila v zadnjih letih negativna, zlasti od leta 2008.
Furthermore, it is authorised to set special requirements for individual establishments of financial undertakings to continue their activities.
To pomeni, da je kljub presežku v trgovinski bilanci celotni tekoči račun Islandije v zadnjih letih negativen, čeprav se je od leta 2009 strmo zmanjševal.
FME may also limit provisionally the activities which a financial undertaking may pursue, in full or in part, whether subject to license or not, if the Authority sees reason to do so.
V to je zajeta precejšnja prednost za depozitarje, med drugim tudi zato, ker je v duhu ljudi zlom bančništva še preveč svež.
This is naturally prompted not least by the activities of branches and deposit accounts established by them in other European states until 2008 (Icesave, Edge and Save-and-Save).
Po drugi strani pa bo ta določba verjetno ovirala banke pri povečanju raznovrstnosti njihove ureditve financiranja.
Considerably more detailed provisions are set concerning the role of internal audit in Icelandic law than in the EU directives.
Ponovna vzpostavitev uspešnega poslovanja in ocena ukrepov prestrukturiranja v finančnem sektorju v sedanji krizi na podlagi pravil o državni pomoči, kar je Nadzorni organ sprejel 25. novembra 2009 v okviru poglavja VII: Začasna pravila glede finančne krize, kot so bila podaljšana s smernicami o finančni krizi leta 2012.
Considerably more detailed provisions are set on how stress tests are to be carried out than in the EU directives.
Na voljo na spletišču Nadzornega organa na: http://www.eftasurv.int/media/state-aid-guidelines/Part-VIII---Return-to-viability-and-the-assessment-of-restructuring-measures-in-the-financial-sector.pdf.
Financial undertakings must keep a special registry (a credit registry) of all parties to whom they extend credit and submit an updated list to FME at the end of each month.
S 1. januarjem 2011 so začeli veljati novi predpisi o uravnoteženosti tujih valut, ki jih je sprejela Centralna banka Islandije.
Furthermore, a similar list shall be sent on parties closely connected with financial undertakings, their Boards of Directors and managers and groups of connected clients, to the extent that these parties are not on the above-mentioned list.
Namen teh prepisov je omejiti devizno tveganje, tako da se prepreči, da bi bilance tujih valut presegale določene meje.
This list will provide a better opportunity to monitor inter-linkages between financial undertakings, their directors and management.
Banka Landsbankinn se zavezuje, da do 15. decembra 2014 ne bo prevzemala finančnih institucij.
If FME is of the opinion that the borrowing of a single party on the credit registry, which is not subject to official supervision of financial activities, could have a systemic impact, it may demand information from the party concerned on its obligations.
Ne glede na to zavezo lahko banka Landsbankinn, po tem ko ji Nadzorni organ to odobri, prevzame finančne institucije, zlasti če je to potrebno za zaščito finančne stabilnosti.
Should a party not subject to official supervision listed on the credit registry refuse to disclose information to FME, the Authority may order supervised entities to refrain from providing the said party with further service.
Začetna bilanca stanja banke Landsbankinn je bila le okrog 25 % bilance stanja banke Landsbanki na dan 30. junija 2008, kot je prikazano zgoraj z navedbo dveh najpomembnejših postavk na strani sredstev.
The same applies if the information disclosure of the party concerned is unsatisfactory.
Ob koncu leta 2011 so skupna sredstva banke Landsbankinn znašala 1135 milijard ISK.
The provisions on a credit registry and extensive authorisations to supervisors concerning parties not subject to official supervision are not in EU/EEA rules.
Glej del VIII Smernic o državni pomoči Nadzornega organa: Začasna pravila glede finančne krize.
EFTA Surveillance Authority Decision
Odločba nadzornega organa Efte
No 291/12/COL
št. 291/12/COL
on restructuring aid to Arion Bank (Iceland)
o pomoči za prestrukturiranje banki Arion Bank (Islandija)
HAVING REGARD to the Agreement on the European Economic Area (‘the EEA Agreement’), in particular to Article 61(3)(b) and Protocol 26 thereof,
OB UPOŠTEVANJU Sporazuma o Evropskem gospodarskem prostoru (v nadaljnjem besedilu: Sporazum EGP), zlasti člena 61(3)(b) Sporazuma in Protokola 26 k Sporazumu,
HAVING REGARD to the Agreement between the EFTA States on the Establishment of a Surveillance Authority and a Court of Justice (‘the Surveillance and Court Agreement’), in particular to Article 24,
OB UPOŠTEVANJU Sporazuma med državami Efte o ustanovitvi Nadzornega organa in sodišča (v nadaljnjem besedilu: Sporazum o Nadzornem organu in sodišču), zlasti člena 24 Sporazuma,
HAVING REGARD to Protocol 3 to the Surveillance and Court Agreement (‘Protocol 3’), in particular to Article 1(3) of Part I, Article 7(3) of Part II, and Article 13 of Part II,
OB UPOŠTEVANJU Protokola 3 k Sporazumu o Nadzornem organu in sodišču (v nadaljnjem besedilu: Protokol 3) in zlasti člena 1(3) dela I ter člena 7(3) in člena 13 dela II,
Following informal correspondence in October 2008, and the passing on 6 October by the Icelandic Parliament (the Althingi) of Act No 125/2008 on the Authority for Treasury Disbursements due to Unusual Financial Market Circumstances etc. (referred to as the ‘Emergency Act’), which gave the Icelandic state wide-ranging powers to intervene in the banking sector, the President of the Authority wrote on 10 October 2008 to the Icelandic authorities and requested that state aid measures taken under the Emergency Act be notified to the Authority.
Po nezavezujočem dopisovanju v oktobru 2008 in po tem, ko je 6. oktobra islandski parlament sprejel Zakon št. 125/2008 o organu za izplačila iz državne blagajne zaradi nepredvidenih razmer na finančnem trgu itd. (v nadaljnjem besedilu: zakon o izrednih razmerah), s katerim je država dobila obsežna pooblastila za poseganje v bančni sektor, je 10. oktobra 2008 predsednik Nadzornega organa pisal islandskim organom in zahteval, da se ukrepe državne pomoči, sprejete na podlagi zakona o izrednih razmerah, priglasi organu.
Further contact and correspondence followed periodically including notably a letter sent by the Authority on 18 June 2009 reminding the Icelandic authorities of the need to notify any state aid measures, and of the standstill clause in Article 3 of Protocol 3.
Sledili so redni nadaljnji stiki in dopisovanje, predvsem pismo, ki ga je Nadzorni organ 18. junija 2009 poslal islandskim organom in jih opomnil, da je treba vse ukrepe državne pomoči priglasiti ter o klavzuli o zamrznitvi iz člena 3 Protokola 3.
Following further correspondence and meetings, state aid involved in the restoration of certain operations of (old) Kaupthing Bank and the establishment and capitalisation of New Kaupthing Bank (renamed Arion Bank as from 21 November 2009) was eventually notified retrospectively by the Icelandic authorities on 20 September 2010.
Po nadaljnjem dopisovanju in srečanjih so islandski organi 20. septembra 2010 naknadno priglasili državno pomoč, namenjeno ponovni vzpostavitvi nekaterih dejavnosti (nekdanje) banke Kaupthing Bank hf ter ustanovitvi in kapitalizaciji banke New Kaupthing Bank (z dne 21. novembra 2009 preimenovana v Arion Bank).