natgillin/translations-raw huggingface dataset:
Íslandsbanki commits itself to sell, as soon as possible, shareholdings in operating companies which have been taken over due to restructuring, cf.
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.
Article 22 of the Act on financial undertakings No 161/2002.
Ta pretres je v islandskem gospodarstvu povzročil resno recesijo z zmanjšanjem BDP za 6,8 % v letu 2009 in za 4 % v letu 2010.
Furthermore, the bank commits itself to follow the procedure and time-limits, which are set out in the above-mentioned legal provision.
Med posledicami gospodarske krize so bili nenaden porast brezposelnosti z 1,6 % v letu 2008 na 8 % v letu 2009, zvišanje inflacije in znižanje realnih plač.
Finally, the bank will maintain up-to-date information on its website (or website of a relevant subsidiary, e.g. Midengi ehf.) on such shareholdings that are held for sale.
Istočasno pa je uvoz strmo upadel, pri čemer je leta 2010 v trgovinski bilanci [24] začasno nastal presežek v višini 10 % BDP.
Measures benefitting new and small competitors
Vendar se je leta 2011 s povečanim domačim povpraševanjem uvoz spet povečal in nastal je celotni manjši presežek v trgovinski bilanci v višini 8,2 % BDP.
Íslandsbanki commits itself to enact the following measures for the benefit of new and small competitors:
Po napovedi Statističnega urada Islandije za obdobje 2012–2017 naj bi se postopna oživitev gospodarstva v letu 2012 nadaljevala z 2,6-odstotno rastjo.
Íslandsbanki will, until 15 October 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.
Pričakuje se, da bo skozi celotno obdobje napovedi stopnja rasti ostala podobna.
Íslandsbanki 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 zato določil, da je najnižja stopnja kapitalske ustreznosti za tri banke 16 %, od česar mora delež kapitala 1. reda znašati vsaj 12 %.
Furthermore, the website will make easily accessible the necessary documents to switch between financial institutions.
Zahteve so veljale vsaj tri leta, če jih Organ za finančni nadzor prej ni spremenil.
Finally, the same information and business-transfer forms will be available at the branches of the bank.
Islandija se kljub večjim dosežkom pri ponovni vzpostavitvi finančnega sektorja še naprej bori s posledicami finančne krize in krize valute, nastale jeseni leta 2008.
Íslandsbanki will execute all requests for transfer of banking services in a swift manner.
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.
Íslandsbanki will not invoke state involvement as a source of competitive advantage when marketing.
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.
Provided that competitive service offers are not available, Íslandsbanki is willing to offer the following services at a price that will be based on cost plus reasonable margin:
S to transakcijo naj bi se po navedbah družb RB in Teris med drugim zajamčilo neprekinjeno zagotavljanje storitev IT manjšim finančnim podjetjem.
Payment processing services for ISK.
Mnoge operativne družbe so zaradi prevelike zadolženosti po gospodarskem zlomu leta 2008 prevzele banke (ki so bile upniki teh družb).
Payment processing services for FX.
Islandski organ za konkurenco meni, da lahko to ustvari nasprotje interesov, kadar banke družbam zagotavljajo finančne storitve, obenem pa so njihove lastnice.
Distribution of bank notes and coins.
Banka Glitnir
I. Sale and delivery of bank notes and coins to the premises of the service recipient.
Mednarodna širitev banke je temeljila na dveh specializiranih industrijskih sektorjih, in sicer morskih sadežih in trajnostni energiji [34].
Maintaining a stock of special cassettes containing bank notes which are placed inside ATM machines.
Delnice banke so kotirale pri islandski borzni skupini OMX.
However, a security firm contracted by the new/small party would ‘feed’ the folders into the ATM's.
Banka Íslandsbanki
RELEVANT ADAPTATIONS AND CHANGES TO THE REGULATORY AND SUPERVISORY FRAMEWORK FOR FINANCIAL MARKETS IN ICELAND ADOPTED AFTER THE CRISIS
Trgi
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.
Na podlagi tega sporazuma se je država 14. avgusta 2009 zavezala, da bo banki Íslandsbanki zagotovila dodaten lastniški kapital v višini 64,2 milijarde ISK, zaradi česar bi ves lastniški kapital banke znašal 65 milijard ISK, s čimer bi banka izpolnila zahtevo Organa za finančni nadzor po 12-odstotnem razmerju kapitala 1. reda.
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.
V sporazumu sta bili določeni dve možnosti glede plačila prenesenih neto sredstev in soudeležbe v kapitalu, in sicer: bodisi da bi banka Glitnir vpisala večinski lastniški delež v banko Íslandsbanki, za prenesena sredstva pa bi ji bilo povrnjeno z delnicami v banki, bodisi, če ta vpis ne bi bil zaključen, da bi kapitalizacija vlade ostala v veljavi in bi bila vlada še naprej lastnica banke Íslandsbanki.
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.
Dolžniški vrednostni papirji veljajo deset let od 30. decembra 2009.
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.
Instrument ima vgrajene spodbude za izstop v obliki povečanja obresti po petih letih.
The registry is important for linking exposures together and assessing their systemic impact if difficulties should arise in the borrowers' operations.
To izjavo so medtem februarja in decembra 2009 ponovili tudi v uradu sedanjega predsednika vlade [44].
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.
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).
FME can prohibit the provision of services to such parties should they refuse to provide the information requested.
V pismu (ki so ga podpisali islandski predsednik vlade, minister za finance, minister za gospodarske zadeve in guverner Centralne banke Islandije) je navedeno: „Za zdaj smo zavezani temu, da v celoti zaščitimo depozitarje, toda ko bo zagotovljena finančna stabilnost, načrtujemo postopno odpravo tega splošnega jamstva“ [45].
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.
Nadalje oddelek predloga zakona o proračunu za leto 2011 o državnih jamstvih vsebuje sklic v opombi na izjavo islandske vlade, da imajo vloge v islandskih bankah državno jamstvo [46].
The time limits allowing financial undertakings to dispose of appropriated assets have been shortened.
Obveznica je bila izdana 3. aprila 2009 v višini 43679014232 ISK za rok do 31. marca 2013.
Provisions on financial undertakings' holdings in own shares have been tightened and defined in more detail.
Obveznica prinaša obresti na znesek mere REIBOR [52], čemur se v prvih 12 mesecih pred znižanjem mere REIBOR prišteje 190 bazičnih točk in 100 bazičnih točk od tedaj do zapadlosti.
Holdings of subsidiaries are now considered own shares, as are off-balance-sheet contracts concerning own shares.
Kot je bilo navedeno, naj bi obveznica banke Straumur zapadla 31. marca 2013.
Financial undertakings have been prohibited from extending credit against pledges of their own shares or guarantee capital certificates.
Vendar je bila med tem obveznica v celoti plačana, ne da bi morala v to poseči Islandija.
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.
Islandski organi so načrt prestrukturiranja banke Íslandsbanki predložili 31. marca 2011.
Both the responsibility and role of internal auditing section has been increased.
Po prevzemu banke Byr pa so islandski organi načrt spremenili, posodobili in ponovno predložili 22. februarja 2012 (v nadaljnjem besedilu: načrt prestrukturiranja).
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.
Kot je bilo navedeno, je bila med oktobrom 2008 večina domačih sredstev in obveznosti banke Glitnir prenesenih na banko Íslandsbanki.
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.
Zaradi tega procesa je večina dolga velikih medbančnih poslov ostala v stečajnem premoženju banke Glitnir, zato banka Íslandsbanki nikoli ni bila tako zadolžena, kot je bila banka Glitnir.
All provisions on calculation of equity and various other technical aspects have been reviewed.
Banka Íslandsbanki namerava v skladu s temi podatki med obdobjem prestrukturiranja in po tem obdobju ostati precej nad kapitalskimi zahtevami Organa za finančni nadzor.
Rules on exercising qualifying holdings, i.e. 10 % or more of voting rights, have been reviewed.
Donosnost lastniškega kapitala
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.
(v mio.
Additional demands on eligibility have now been made of directors, their responsibility for supervision or operations have been increased and executive chairmen of the Board are prohibited; FME has been assigned a greater supervisory role for Boards of Directors; personally identifiable information must be disclosed on remuneration to senior management.
ISK)
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.
Med letoma 2010 in 2011 je bilo razmerje med vlogami in posojili v banki Íslandsbanki okrog in nad 80 %.
Similar rules apply to parties closely connected with the above-mentioned.
V tej banki predvidevajo, da bodo trenutno nizke obrestne mere za vloge spodbudile vlagatelje, da bodo del svojih sredstev namenili za naložbe z višjimi donosi, ker gospodarstvo okreva, apetit po tveganju pa se povečuje.
FME has adopted rules as to what is considered satisfactory collateral for such transactions.
Zato banka predvideva, da bo razmerje med vlogami in posojili do leta 2016 morda padlo na okrog […] %.
Rules concerning arrangements for incentive schemes and bonuses to management and employees and on termination contracts have been adopted.
Poleg tega naj bi vloge v tujih valutah predvidoma […].
Provisions on the reorganisation and winding-up of financial undertakings have been tightened.
Vendar je bil ob koncu leta 2011 kapitalski količnik banke dejansko 22,6 %.
An overall revision of special rules on savings banks has been carried out.
Rezultati testov izjemnih situacij prikazujejo, da je del presežnega kapitala potreben za spoprijemanje z morebitnimi neželenimi dogodki pri dejavnostih banke, a postopno plačilo presežnega kapitala v obliki dividend je razumno.
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.
Kot je bilo že opisano, je prispevek kapitala 2. reda veljaven deset let od decembra 2009.
Savings banks have been prohibited from altering their legal form.
Glede nadomestila je vgrajena klavzula za povečanje po petih letih (tj. leta 2014) od 400 bazičnih točk do 500 bazičnih točk nad mero EURIBOR.
According to the Icelandic authorities, Icelandic rules in some respects go beyond the pan-European framework.
Kar zadeva sporazum z banko Straumur, je obveznico, čeprav naj bi zapadla do konca marca 2013, dejansko v celoti plačala banka Straumur v začetku leta 2012.
The main deviations from rules adopted by the EU which have been taken up in the EEA Agreement are the following:
Takrat so se prenehale predpostavke države glede tveganja o zadostnosti osnovnih sredstev.
FME is authorised to restrict the activities of individual establishments of financial undertakings, if it sees reason to do so.
Nadzorni organ meni, 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.
Furthermore, it is authorised to set special requirements for individual establishments of financial undertakings to continue their activities.
Nadzorni organ je pomisleke glede združljivosti pomoči izrazil predvsem zaradi tega, ker načrta prestrukturiranja še več kot eno leto po ustanovitvi banke Íslandsbanki ni bilo.
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.
Poleg tega se na podlagi podatkov iz nadzorne plošče prestrukturiranja banke zdi realistično, da lahko banka cilj prestrukturiranja dolga podjetij doseže do konca leta 2012, dolga prebivalcev pa do leta 2013.
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 mnenju Nadzornega organa bi to na splošno pomenilo, da bo imela banka Íslandsbanki ne glede na nepričakovan razvoj v makroekonomskem okolju na Islandiji ali v tujini najpozneje ob koncu obdobja prestrukturiranja razmeroma zdravo bilanco stanja in donosne posojilne portfelje.
Considerably more detailed provisions are set concerning the role of internal audit in Icelandic law than in the EU directives.
Iz izračuna, ki so ga predložili islandski organi, v katerem so bili iz izkaza poslovnega izida odstranjeni navedeni izredni produkti, je razvidno, da je banka ustvarila in bo še naprej ustvarjala sorazmerno stabilen dobiček od leta 2008 do leta 2016.
Considerably more detailed provisions are set on how stress tests are to be carried out than in the EU directives.
Zdi se, da to ugotovitev podpirajo tudi v zgoraj navedenem poročilu Organa za finančne naložbe Republike Islandije.
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.
To zvišanje bi nato v letu 2016 prineslo dobiček v višini […] ISK.
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.
Islandski organi trdijo, da so ti načrti verjetni, ker sta posel donosov provizij za storitve, kot so transakcije, povezane s trgom lastniških vrednostnih papirjev, in trgovina s tujimi valutami po zlomu in kot posledica kapitalskih kontrol zastala.
This list will provide a better opportunity to monitor inter-linkages between financial undertakings, their directors and management.
Banka je ne glede na prihodkovno stran izkaza poslovnega izida sprejela sklop zgoraj opisanih pobud, da bi povečala učinkovitost in zmanjšala stroške, med drugim s skoraj 10-odstotnim zmanjšanjem števila zaposlenih, s čimer naj bi se v letu 2014 razmerje med stroški in dobičkom v celoti znižalo s 75 % na […] %.
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.
Nadzorni organ ta prizadevanja sprejema z odobravanjem, saj je trenutno razmerje z vidika mednarodne primerjave precej visoko.
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.
V zvezi s tem je vredno spomniti, da je država ustvarila skoraj 14-odstotni letni donos na kapital, ki je bil izplačan že jeseni leta 2009.
The same applies if the information disclosure of the party concerned is unsatisfactory.
Glede na celotno dobro delovanje banke Íslandsbanki od njene ustanovitve se zdi, da je zelo obetavna tudi možnost zadovoljivega donosa na 5-odstotni delež, ki ga je obdržala država.
The provisions on a credit registry and extensive authorisations to supervisors concerning parties not subject to official supervision are not in EU/EEA rules.
Nadzorni organ bo, da bi bila prizadevanja za preprečevanje zamud pri odpravljanju kapitalskih kontrol, uspešna in da bi se izrazilo njegovo stališče, v skladu s katerim bi morala biti uspešno poslujoča banka sposobna konkurirati na trgu brez zaščite splošnih jamstev za vloge, torej dovolil jamstvo za vloge do konca leta 2014 [89].
There are considerably more detailed and restrictive provisions on related party lending and collateral than in EU/EEA rules.
Po tem času pa se bo jamstvo za vloge urejalo le z zakonodajo EGP, ki se uporablja v zvezi z zajamčenimi vlogami.
FME must refuse the owner of a qualifying holding the right to exercise the holding if there is doubt as to who is or will be its beneficial owner.
Nadzorni organ meni, da bi natančnejša ocena lahko konkurenci dolgoročno koristila.
The maximum length of time external auditors can work for the same financial undertaking is shorter than in EU/EEA rules.
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 prešla še druga finančna podjetja.
There are considerably more detailed provisions on the eligibility of directors in financial undertaking than in the EU directives.
Zato je Organ za finančni nadzor marca 2010 imenoval začasni upravni odbor investicijske banke VBS.
Provisions are adopted on arrangements for bonus schemes and termination contracts.
Ne vključuje bilance primarnega dohodka iz tujine, ki je bila v zadnjih letih negativna, zlasti od leta 2008.
Recently formal rules have been set on remuneration policies in EU directives, but rules on termination contracts have not yet been adopted in this forum.
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.
On 23 March 2012, the Minister of Economic Affairs presented a report on the Future Structure of the Icelandic Financial System and its regulation and supervision.
V to je zajeto precejšnje zagotovilo za depozitarje, med drugim tudi zato, ker je v duhu ljudi zlom bančništva še preveč svež.
The Minister furthermore appointed an expert group to review the legal and regulatory framework for all financial activities in Iceland.
Po drugi strani pa bo ta določba verjetno ovirala banke pri povečanju raznovrstnosti njihove ureditve financiranja.
By e-mail of 24 March 2011 [5], the Authority received one comment from interested parties, which was forwarded to the Icelandic authorities on 25 May 2011.
Nadzorni organ v zvezi s tem navaja pripombo guvernerja Centralne banke Islandije, ki je v predgovoru poročila o finančni stabilnosti banke za drugo polovico leta 2010 izjavil, da„kapitalizacijo finančnih institucij trenutno ščitijo kapitalske kontrole in izjava vlade o jamstvu za vloge“.
The Icelandic authorities did not respond to this comment.
Glej: http://www.sedlabanki.is/lisalib/getfile.aspx?itemid=8260, str. 5.
The request for information was answered by the Icelandic Authorities on 17 October 2011 and 13 March 2012.
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.
The final versions of the commitments were submitted on 16 May 2012 and on 6 June 2012 [7].
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.
The combined assets of the three banks had increased exponentially from 1,4 trillion ISK [11] in 2003 to 14,4 trillion ISK at the end of the second quarter of 2008.
S 1. januarjem 2011 so začeli veljati novi predpisi o uravnoteženosti tujih valut, ki jih je sprejela Centralna banka Islandije.
Significantly, a large proportion of the growth of the three banks was in lending to foreign parties, which increased substantially during 2007 [12], most notably after the beginning of the international liquidity crisis.
Namen teh predpisov je omejiti devizno tveganje, tako da se prepreči, da bi uravnoteženosti tujih valut presegala določene meje.
The Icelandic banks borrowed 14 billion euros on foreign debt securities markets in 2005 on relatively favourable terms.
Predsednik upravnega odbora banke Glitnir je 25. septembra 2008 stopil v stik s Centralno banko Islandije, da jo je obvestil o tem, da je imela banka Glitnir takojšnji primanjkljaj v višini 600 milijonov EUR zaradi posojil, ki jih je morala izplačati oktobra.
When access to European debt securities markets became more limited, the banks financed their activities on US markets, with Icelandic debt securities packaged into collateralised debt obligations.
Dne 29. septembra je bilo objavljeno, da bo islandska vlada banki Glitnir zagotovila 600 milijonov EUR v zameno za 75 % njenega lastniškega deleža.
The policy followed by the Icelandic government is primarily laid down in the Emergency Act [19] adopted by the Icelandic Parliament on 6 October 2008.
Glej del VIII Smernic o državni pomoči Nadzornega organa: Začasna pravila glede finančne krize.
No 261/12/COL
št. 261/12/COL
concerning municipal tax measures; the sale of real estate; and the sale of electricity to Verne (Iceland)
o občinskih davčnih ukrepih, prodaji nepremičnin in prodaji električne energije družbi Verne (Islandija)
HAVING REGARD to the Agreement on the European Economic Area (“the EEA Agreement”), in particular to Article 61(3)(c),
OB UPOŠTEVANJU Sporazuma o Evropskem gospodarskem prostoru (v nadaljnjem besedilu: Sporazum EGP), zlasti člena 61(3)(c) Sporazuma,