natgillin/translations-raw huggingface dataset:
Given the above, the Authority concludes that it would not be appropriate to require Sjóvá to divest its life insurance business.
Člen 4
In the absence of structural measures, the Authority needs to assess behavioural measures.
Besedilo te odločbe v angleškem jeziku je edino verodostojno.
The Authority notes that Sjóvá's market share has fallen significantly since the beginning of the financial crisis.
V Bruslju, 10. julija 2013
The Icelandic authorities have highlighted in particular the effect on market shares of the 30-day ‘transfer window’ in September 2009, which enabled competitors to approach all Sjóvá customers in the non-life segment with competing offers.
Za Nadzorni organ Efte
The Icelandic authorities argue that this regulatory measure addressed some of the distortions of competition.
Predsednica
The Authority further notes that the restructuring plan does not foresee any aggressive growth in Sjóvá's market share, and that the new pricing and risk management policies are designed to ensure that Sjóvá only quotes for sufficiently profitable business.
Član kolegija
In addition, the Icelandic authorities and Sjóvá have committed to a pricing restriction in relation to quotes for certain corporate customers for the duration of the restructuring period, reproduced in the Annex.
Odločba št. 373/10/COL z dne 22. septembra 2010 o vprašanjih državne pomoči, povezanih z dokapitalizacijo islandske zavarovalnice Sjóvá (UL C 341, 16.12.2010, str. 15, in Dopolnilo EGP k Uradnemu listu št. 69, 16.12.2010, str. 2).
This commitment provides a further safeguard against potential aggressive market behaviour by Sjóvá, and any loss in insurance business due to the commitment will benefit Sjóvá's competitors.
Moderna Finance AB je bila švedska holdinška družba v lasti islandske družbe Milestone hf.
The Authority notes that this commitment only covers certain types of insurance business.
Več informacij o zavarovalnici Sjóvá in skupini Milestone ter njunih povezavah z banko Glitnir je v poročilu posebne preiskovalne komisije islandskega parlamenta, ki je na voljo na naslovih http://rna.althingi.is/ (različica v islandščini) in http://sic.althingi.is/ (izvlečki v angleščini).
However, given the high concentration levels in the Icelandic insurance market, the Authority considers that a more comprehensive pricing restriction could result in a reduction of effective competition and would therefore be inappropriate.
Odgovor organa FME v zvezi s posredovanjem države pri dokapitalizaciji zavarovalnice Sjóvá Almennar tryggingar hf. z dne 23. novembra 2010.
The Authority welcomes the Icelandic authorities' commitment to introduce certain regulatory changes to the functioning of the insurance market, as set out in the Annex.
V skladu z odobritvijo organa FME z dne 22. septembra 2009.
In line with points 44-45 of the Restructuring Guidelines, the proposed changes would increase effective competition as well as favour market opening and new entry.
Za namen te odločbe se sredstva, ki jih je država prenesla na družbo SAT Holding, navajajo kot obveznice.
In particular, they would facilitate switching by customers and thereby contributing to more competition between the existing players on the market.
Hkrati je organ FME v skladu s členoma 86 in 87 takrat veljavnega zakona o zavarovalniških dejavnostih št. 60/1994 z javnim obvestilom vse imetnike polic opomnil, da lahko prekličejo svoje police ne glede na datum obnovitve v 30-dnevnem „obdobju prenosa“.
As required in point 40 of the Restructuring Guidelines, Sjóvá commits to an acquisition ban for the duration of the restructuring period, as set out in the Annex.
Na voljo na spletnem mestu Nadzornega organa:
The acquisition ban prevents Sjóvá from acquiring any significant interest in other financial undertakings, whilst allowing Sjóvá to make small-scale investments if required.
Glej memorandum organa FME z dne 29. junija 2009.
Finally, Sjóvá will not use the received aid or any advantages arising from it for advertising purposes.
PRILOGA
The Authority concludes that the restructuring foresees sufficient measures to mitigate distortions of competition and to ensure that the state aid is not used to the detriment of unaided competitors, in line with point 39 of the Restructuring Guidelines.
Zaveze v zvezi z ravnanjem zavarovalnice Sjóvá
CONCLUSION
Islandski organi predlagajo naslednje zaveze v zvezi z zavarovalnico Sjóvá:
The Authority concludes that the recapitalisation measures in favour of Sjóvá are compatible with the functioning of the EEA Agreement pursuant to Article 61(3)(b) of the EEA Agreement.
Zavarovalnica Sjóvá se zavezuje, da bo omejila svoje poslovne ponudbe tako, da zavarovalnih tveganj ne bo ponujala s ponudbami, ki so nižje od […].
The Authority also concludes that the Icelandic authorities have unlawfully implemented the state aid in question in breach of Article 1(3) of Part I to Protocol 3,
Poslovne ponudbe so opredeljene kot ponudbe, ki zajemajo strankin račun za celotno zavarovanje (v nadaljnjem besedilu: poslovne ponudbe).
HAS ADOPTED THIS DECISION:
Ta zaveza se uporablja za poslovne ponudbe poslovnim subjektom, pri katerih letni promet premij presega […] ISK.
Article 1
Ta zaveza se uporablja za poslovne ponudbe, pri katerih dokumenti ponudbe ali druge zavarovalne informacije vključujejo pretekle podatke o izgubi, v katerih so navedene plačane in neporavnane izgube v obdobju, ki ni krajše od […] let.
The recapitalisation measures granted to Sjóvá constitute state aid within the meaning of Article 61(1) of the EEA Agreement.
V oceni preteklih izkušenj izgube lahko zavarovalnica Sjóvá iz svojega izračuna odstrani posamezne izgube, ki presegajo […] predlagane ponudbe premije, da se doseže enakomernejši in stabilnejši sklep o statistični izgubi.
The state aid granted to Sjóvá is compatible with the functioning of the EEA Agreement pursuant to Article 61(3)(b) of the EEA Agreement subject to adhering to the commitments as set out in the Annex to this Decision.
Ta zaveza se uporablja za obnovitev poslovnih računov, vendar mora biti obdobje preteklih izgub daljše od […] let.
Article 3
V oceni preteklih izgub lahko zavarovalnica Sjóvá omeji posamezne izgube na […].
This Decision is addressed to Iceland.
Namen tega je doseči enakomernejši in stabilnejši sklep o statistični izgubi.
Article 4
Zavarovalnica Sjóvá ne bo pridobila več kot […] % delnic kreditnih institucij, investicijskih družb (kot so opredeljene v Direktivi 2004/39/ES z dne 21. aprila 2004 o trgih finančnih instrumentov), zavarovalnic ali pozavarovalnic.
Only the English language version of this Decision is authentic.
V primeru, da zavarovalnica Sjóvá pridobi soglasje Nadzornega organa, lahko prevzame nadaljnja podjetja, še posebej, če je prevzem potreben za zaščito finančne stabilnosti ali zagotavljanje učinkovite konkurence.
Done at Brussels, 10 July 2013.
Zavarovalnica Sjóvá ne bo uporabila dokapitalizacije ali konkurenčnih prednosti, ki na kakršen koli način izhajajo iz dokapitalizacije, za oglaševalske namene.
For the EFTA Surveillance Authority
Te zaveze trajajo do 31. decembra 2014.
President
Regulativna zaveza
College Member
Za povečanje mobilnosti potrošnikov na islandskem zavarovalniškem trgu islandski organi sprejmejo naslednjo zavezo:
Decision No 373/10/COL of 22 September 2010 on State aid issues concerning the recapitalisation of Sjóvá insurance company in Iceland, OJ C 341, 16.12.2010, p. 15 and EEA Supplement to the Official Journal No 69, 16.12.2010, p. 2.
islandsko ministrstvo za finance in gospodarske zadeve bo imenovalo strokovno skupino, ki bo pooblaščena za pregled določb zakona št. 30/2004 o zavarovalnih pogodbah, ki zadevajo mobilnost strank, zlasti ob upoštevanju nedavnih sprememb norveškega zakona o zavarovalnih pogodbah, na katerem temelji islandska zakonodaja, in danskega zakona o finančnem poslovanju.
Moderna Finance AB was a Swedish holding company owned by the Icelandic company Milestone hf.
Strokovna skupina predloži svoje ugotovitve najpozneje 31. decembra 2013 in prouči možne posledice spremembe določb v zvezi z odpovedjo zavarovalnih pogodb s strani posameznikov, če ti prenesejo svoje posle med zavarovalnicami, da se strankam olajša zamenjava in spodbudi konkurenca na zavarovalniškem trgu;
Further information on Sjóvá and Milestone and their ties with Glitnir Bank are contained in the report of the Icelandic Parliament's Special Investigation Commission (SIC), available at http://rna.althingi.is/ (Icelandic version) and http://sic.althingi.is/ (excerpts in English).
če strokovna skupina ugotovi, da bi bile takšne določbe koristne za delovanje islandskega zavarovalniškega trga, ministru za finance in gospodarske zadeve predloži spremembo zakona o zavarovalnih pogodbah z osnutkom predloga zakona.
Response from the FME regarding the state intervention in the recapitalisation of Sjóvá Almennar tryggingar hf., dated 23 November 2010.
Ministrstvo je naklonjeno spodbujanju sprememb, ki bi še bolj prilagodile mobilnost strank na zavarovalniškem trgu.
Subject to the FME's approval, which was granted on 22 September 2009.
Po prejemu ugotovitev strokovne skupine bo minister, razen če bo ustrezno utemeljeno drugače, leta 2014 islandskemu parlamentu predložil osnutek predloga zakona, ki bo temeljil na ugotovitvah strokovne skupine.
The market share estimates are based on share of total premium income in 2012.
Finančna skupina Moderna/Milestone Finance (v nadaljnjem besedilu: skupina Milestone) [2] je leta 2005 od banke Glitnir kupila 66,6 % delnic zavarovalnice Sjóvá, leta 2006 pa je pridobila polno lastništvo.
Prior to the financial crisis, Sjóvá had a market share of over 40 % in the non-life insurance segment.
V nadaljevanju se je skupina Milestone odločila predvsem, da naložbe zavarovalnice Sjóvá osredotoči na tuje nepremičninske projekte z visokim finančnim vzvodom, ter delničarjem omogočila izmenjave sredstev in nezavarovana posojila, kar je škodilo finančnemu položaju zavarovalnice Sjóvá.
For the purpose of this decision, the assets transferred to SAT Holding by the state will be referred to as bonds.
Po tem so zavarovalnico Sjóvá začeli upravljati njeni upniki, kar je privedlo do tega, da jo je marca 2009 prevzela njena največja upnica banka Glitnir.
At the same time, a public notice was issued by the FME under Articles 86 and 87 of the then-applicable Act on Insurance Activities 60/1994 to all policyholders to remind them that they can cancel their policies, irrespective of the renewal date, within a 30-day ‘transfer window’.
Banka Glitnir je pridobila tudi nadzor nad islandsko investicijsko banko Askar Capital, ki jo je prej nadzirala skupina Milestone, ter nad njeno hčerinsko družbo Avant hf.
Available on the Authority's website:
V skladu s tem se je na začetku leta 2010 začel odprti postopek prodaje zavarovalnice Sjóvá, pri čemer je bila sklenitev kupoprodajne pogodbe načrtovana konec marca 2010.
See Memorandum of the FME dated 29 June 2009.
Vendar so se prizadevanja za prodajo končala novembra 2010, ko je najvišji ponudnik umaknil svojo ponudbo.
ANNEX
Verodostojnost finančnega trga in na splošno gospodarstva se je med propadom islandskih bank oktobra 2008 močno zmanjšala.
Behavioural commitments regarding Sjóvá
Preostale institucije so bile šibke, šibko pa je bilo tudi zaupanje v finančne institucije.
The Icelandic authorities provide the following commitments concerning Sjóvá:
Čeprav obdobje prestrukturiranja traja le do konca leta 2014, so islandski organi predložili podatke iz dodatnih načrtov za leti 2015 in 2016.
Sjóvá commits to restrict its commercial offers by quoting insurance risks in such a way that it will not quote below […].
To je Nadzornemu organu v pomoč predvsem pri ocenjevanju scenarijev izjemnih situacij, pri katerih se upoštevajo posebne izjemne situacije islandskega trga, katerih učinki presegajo obdobje prestrukturiranja.
Commercial offers are defined as quotations which cover the customer's total insurance account (‘Commercial Offers’).
V osnovnem scenariju finančne napovedi temeljijo na petletni napovedi rasti BDP in inflacije islandskega gospodarstva, ki jo je 30. marca 2012 objavil statistični urad Islandije in jo 28. maja 2013 posodobil na podlagi dejanskih rezultatov zavarovalnice Sjóvá in dejanskih podatkov o islandskem gospodarstvu v letu 2012.
This commitment applies to Commercial Offers for commercial entities with annual premium turnover exceeding ISK […].
V osnovnem scenariju so predvideni predvsem zmerna gospodarska rast, znižanje inflacije, neizrazit razvoj obrestnih mer in nespremenjeni tržni deleži zavarovalnice Sjóvá.
This commitment applies to Commercial Offers where tender documents or other underwriting information include historical loss data showing paid and outstanding losses over a period of no less than […] years.
V tem testu izjemnih situacij se predpostavlja, da bodo kapitalske kontrole na Islandiji odpravljene leta 2014.
In evaluation of past loss experience Sjóvá may remove individual losses exceeding […] the proposed premium bid from its calculation in order to arrive to a more even and more stable statistical loss conclusion.
Zaradi tega se bo vrednost ISK zmanjšala na sedanjo vrednost v tujini, ki je približno 30 % nižja od uradnega menjalnega tečaja.
Sjóvá commits to keep the same or higher premium levels at renewal for individual insurance accounts if historical loss experience (calculated technical loss ratio) exceeds […] % of premiums.
„mrzla zima II“
This commitment applies to the renewal of corporate accounts, but loss history must exceed […] years.
izvršnemu direktorju in upravnemu odboru izdajal redna poročila o vseh vprašanjih v zvezi z obvladovanjem tveganj in
In evaluation of past loss experience Sjóvá may cap individual losses at […].
Zaradi teh ukrepov je lahko zavarovalnica Sjóvá izboljšala svoj kombinirani količnik s 114,4 % leta 2005 na 95,6 % leta 2010.
This is to arrive at more even and more stable statistical loss conclusion.
Glede na napovedi osnovnega scenarija bo količnik ostal nižji od 100 % do leta 2016.
Sjóvá will not acquire more than […] % of the shares of credit institutions, investment firms (as defined in Directive 2004/39/EC of 21 April 2004 on markets in financial instruments), insurance or reinsurance companies.
država se je tudi strinjala, da poveča zavarovanje banke Glitnir pri obveznici, ki jo je izdala družba Avant, s 4. na 3. prednostno pravico, da bi omogočila prispevek banke Glitnir h kapitalu zavarovalnice Sjóvá.
These commitments shall last until 31 December 2014.
Nadzorni organ tako ocenjuje, da element pomoči znaša približno 12,3 milijarde ISK.
Regulatory commitment
vključevati zadosten lastni prispevek upravičenca (porazdelitev bremen) in
In order to improve the mobility of consumers in the Icelandic insurance market, the Icelandic authorities undertake the following commitment:
Ocene tržnih deležev temeljijo na deležu skupnih premijskih dohodkov v letu 2012.
The Icelandic Ministry of Finance and Economic Affairs will appoint an expert group with the mandate to review the provisions of Act No 30/2004 on Insurance Contracts that concern customers' mobility, in particular with regard to recent amendments to the Norwegian Act on Insurance Contracts — on which the Icelandic legislation was based — and the Danish Financial Business Act.
Pred finančno krizo je tržni delež zavarovalnice Sjóvá v segmentu neživljenjskih zavarovanj znašal več kot 40 %.
No 309/13/COL
št. 309/13/COL
on the compatibility with EEA law of measures to be taken by Norway pursuant to Article 14 of Directive 2010/13/EU of the European Parliament and of the Council on the coordination of certain provisions laid down by law, regulation or administrative action in Member States concerning the provision of audiovisual media services (Audiovisual Media Services Directive)
o združljivosti ukrepov, ki jih bo sprejela Norveška v skladu s členom 14 Direktive 2010/13/EU Evropskega parlamenta in Sveta o usklajevanju nekaterih zakonov in drugih predpisov držav članic o opravljanju avdiovizualnih medijskih storitev (Direktiva o avdiovizualnih medijskih storitvah), s pravom EGP
Having regard to the Act referred to at point 5p of Annex XI to the EEA Agreement, Directive 2010/13/EU of the European Parliament and of the Council of 10 March 2010 on the coordination of certain provisions laid down by law, regulation or administrative action in Member States concerning the provision of audiovisual media services [1] (the “Act”), and in particular Article 14(2) thereof,
ob upoštevanju akta iz točke 5p Priloge XI k Sporazumu EGP, tj. Direktive 2010/13/EU Evropskega parlamenta in Sveta z dne 10. marca 2010 o usklajevanju nekaterih zakonov in drugih predpisov držav članic o opravljanju avdiovizualnih medijskih storitev [1] (v nadaljnjem besedilu: akt), in zlasti člena 14(2) Direktive,
By letter dated 22 April 2013, received by the EFTA Surveillance Authority (“the Authority”) on 23 April 2013, Norway notified the Authority of measures to be taken pursuant to Article 14(1) of Directive 2010/13/EU.
Norveška je z dopisom z dne 22. aprila 2013, ki ga je Nadzorni organ Efte (v nadaljnjem besedilu: Nadzorni organ) prejel 23. aprila 2013, slednjega obvestila o ukrepih, ki jih je treba sprejeti v skladu s členom 14(1) Direktive 2010/13/EU.
The EFTA Surveillance Authority verified, within a period of three months from this notification, that such measures are compatible with EEA law, in particular with regard to the proportionality of the measures and the transparency of the national consultation procedure.
Nadzorni organ Efte je v treh mesecih od dneva posredovanja obvestila preveril, ali so takšni ukrepi, zlasti kar zadeva sorazmernost ukrepov in preglednost nacionalnega posvetovalnega postopka, skladni s pravom EGP.
In its verification, the Authority considered the available data on the Norwegian media market.
Pri svojem preverjanju je Nadzorni organ upošteval razpoložljive podatke o norveškem medijskem trgu.
The list of events of major importance for society included in the Norwegian measures was drawn up in a clear and transparent manner.
Seznam dogodkov velikega družbenega pomena, ki jih vključujejo ukrepi Norveške, je bil pripravljen na jasen in pregleden način.
Furthermore, a far-reaching consultation had been launched in Norway in this regard.
Poleg tega se je v zvezi s tem na Norveškem začelo obsežno posvetovanje.
The Authority was satisfied that the events listed in the Norwegian measures met at least two of the following criteria considered to be reliable indicators of the importance of events for society: (i) a special general resonance within the EEA EFTA State, and not simply a significance to those who ordinarily follow the sport or activity concerned; (ii) a generally recognised and distinct cultural importance for the population in the EEA EFTA State, in particular as a catalyst of cultural identity; (iii) involvement of the national team in the event concerned in the context of a competition or tournament of international importance; and (iv) the fact that the event has traditionally been broadcast on free-to-air television and has commanded a large television audience.
Nadzorni organ je z zadovoljstvom ugotovil, da dogodki, našteti med ukrepi Norveške, izpolnjujejo vsaj dve od naslednjih meril, ki so zanesljivi pokazatelji pomembnosti dogodkov za družbo: (i) poseben vsesplošni odmev v državi EGP-EFTA in ne zgolj pomembnost za tiste, ki običajno spremljajo zadeven šport ali dejavnost; (ii) prebivalci države EGP-EFTA mu zlasti glede spodbujanja kulturne identitete vsesplošno pripisujejo poseben kulturni pomen; (iii) sodelovanje državne reprezentance v zadevnem dogodku v okviru mednarodno pomembnega tekmovanja ali turnirja; ter (iv) dejstvo, da se dogodek običajno predvaja na brezplačni televizijski postaji in da pritegne velik del televizijskih gledalcev.
A number of events listed in the Norwegian measures, such as the Olympic Games as well as the Men’s World Cup and the Men’s European Football Championship, both including qualifying games with Norwegian participation, fall within the category of events considered of major importance for society, as referred to explicitly in recital 49 of Directive 2010/13/EU.
Številni dogodki, našteti v ukrepih Norveške, kot so olimpijske igre, svetovni pokal za moške in evropsko prvenstvo v nogometu za moške, pri čemer so vključene tudi kvalifikacijske tekme, na katerih sodeluje Norveška, spadajo v kategorijo dogodkov velikega družbenega pomena, kot je to izrecno navedeno v uvodni izjavi (49) Direktive 2010/13/EU.
The summer Olympic Games is an event that attracts enormous interest in Norway as Norwegian athletes have always participated in a wide range of individual and group disciplines.
Poletne olimpijske igre so dogodek, ki na Norveškem zbuja veliko zanimanje, saj so norveški športniki vedno sodelovali v številnih posameznih in skupinskih disciplinah.
The event has a special resonance among the general public in Norway, as it interests audiences who would not normally follow it.
Dogodek je posebno odmeven v javnosti na Norveškem, saj zanima publiko, ki sicer ne spremlja tovrstnih dogodkov.
The summer Olympic Games were traditionally broadcast on free-to-air television and commanded high viewing figures in Norway.
Poletne olimpijske igre se običajno predvajajo na brezplačni televizijski postaji in na Norveškem dosežejo visoko gledanost.
The winter Olympic Games is an event even more popular and enjoys very high viewing figures.
Zimske olimpijske igre so še bolj priljubljen dogodek, ki dosega zelo visoko gledanost.
A large number of Norwegian athletes participate in the winter Olympic Games in both individual and group disciplines.
Veliko število norveških športnikov sodeluje na zimskih olimpijskih igrah v posameznih in skupinskih disciplinah.
The event has traditionally been broadcast on free-to-air television and commanded high viewing figures in Norway.
Dogodek se običajno predvaja na brezplačni televizijski postaji in na Norveškem doseže visoko gledanost.
The event is watched not only by viewers that ordinarily follow the sports concerned.
Dogodka ne spremljajo zgolj gledalci, ki običajno spremljajo zadeven šport.
The Men’s World Cup and the Men’s European Football Championship, both in their entirety and including qualifying games with Norwegian participation, are among the most popular sports events in Norway.
Svetovni pokal za moške in evropsko prvenstvo v nogometu za moške sta kot celota, vključno s kvalifikacijskimi tekmami, na katerih sodeluje Norveška, med najbolj priljubljenimi športnimi dogodki na Norveškem.
The Norwegian public and media take great interest in the Norwegian team’s qualifying matches as well as the matches in the final round, especially the final matches.
V norveški javnosti in medijih vlada veliko zanimanje za kvalifikacijske tekme norveške reprezentance ter tudi tekme zadnjega kroga, zlasti za zaključne tekme.
The events have traditionally been broadcast on free-to-air television and have commanded a large television audience.
Dogodki se običajno predvajajo na brezplačni televiziji in pritegnejo velik del televizijskih gledalcev.
As the matches between other countries in the final round may affect the matches that Norway may play as well as the overall result, they also enjoy a special resonance in Norway.
Ker tekme med drugimi državami zadnjega kroga vplivajo na tekme, ki bi jih lahko igrala Norveška, kot tudi na skupni rezultat, so slednje na Norveškem prav tako posebno odmevne.
In Norway, there is a strong interest in local football clubs.
Na Norveškem obstaja veliko zanimanje za lokalne nogometne klube.
The Men’s Norwegian Football Cup Final has traditionally been broadcast on free-to-air television.
Finale norveškega prvenstva v nogometu za moške se običajno predvaja na brezplačni televizijski postaji.
The high viewing figures that the event has enjoyed so far indicate a significant public interest in this event, also outside of the audience that usually follows the matches of the local football clubs.
Visoka gledanost, ki jo je doslej dosegal dogodek, kaže na veliko javno zanimanje zanj tudi izven okvira občinstva, ki običajno spremlja tekme lokalnih nogometnih klubov.