natgillin/translations-raw huggingface dataset:
As from 16.5.2012, the CBI seven-day collateralised lending rate has been 5,5 %.
Banka se zavezuje, da do 15. oktobra 2014 ne bo prevzemala finančnih institucij.
At the time the restructuring plan was submitted, the financial reporting for 2011 was not completed, and the data from 30.9.2011 was used in the final restructuring plan.
Ne glede na to zavezo lahko banka Íslandsbanki, potem ko ji Nadzorni organa to odobri, prevzame podjetja, zlasti če je to potrebno za zaščito finančne stabilnosti.
After the publication of Íslandsbanki's financial statement for 2011, the Authority up-dated the figures.
Odprodaja […]
The reason given for the fall in ROE in 2011 was the Supreme Court ruling on FX-leading of 15.2.2012 and the writing off of goodwill following the merger with Byr.
Banka Íslandsbanki se zavezuje, da bo do [datum] odprodala delež v […], in se zavezuje, da bo v javni prodaji ponudila naslednje deleže […].
The ‘deep discount’ was twofold, according to the Icelandic authorities, and consisted of an impairment and a discount.
[…]e […]
The impairment reflects the difference in claim value and estimated recovery of the loan assets.
Odprodaja delnic v družbah v prestrukturiranju
Moreover, the acquired loan portfolio was not valued at market rates and the discount reflects the difference in contractual interest rates and market rates.
Banka Íslandsbanki se zavezuje, da bo čim prej prodala deleže v operativnih družbah, ki so bile prevzete zaradi prestrukturiranja, prim. člen 22 Zakona št. 161/2002 o finančnih podjetjih.
The ISFI's report for 2011 (on the banks' operations in 2010) comes to a similar conclusion; the ‘core profitability’ of Íslandsbanki according to this report is even higher.
Zavezuje se še, da bo ravnala v skladu s postopkom in roki iz zgoraj navedene pravne določbe.
See http://www.bankasysla.is/files/SkyrslaBR_2011_net_74617143.pdf
Banka bo redno posodabljala informacije na svojem spletišču (ali spletišču ustrezne podružnice, npr. Midengi ehf.) o takih deležih, namenjenih prodaji.
See the CBI's Rules on Liquidity Ratios No 317 of 25 April 2006, available at http://www.sedlabanki.is/lisalib/getfile.aspx?itemid=4713
Ukrepi v korist novih in majhnih konkurentov
The main Icelandic banks agreed to offer all overleveraged customers a 110 % mortgage adjustment, i.e. that principal of mortgages is set to 110 % of the registered value of the property.
Banka Íslandsbanki se zavezuje, da bo v korist novih in majhnih konkurentov sprejela naslednje ukrepe:
Íslandsbanki has stressed that the deposit priority in Iceland limits the ability to issue unsecured debt […]
Banka Íslandsbanki do 15. oktobra 2014 ne bo niti izvrševala pogodbenih klavzul niti uvajala novih pogodbenih klavzul, s katerimi se oblikujejo posebni pogoji za obrestne mere, odvisne od tega, kakšen najmanjši obseg dejavnosti z banko se ohranja.
Consumer Price Index.
Banka Íslandsbanki bo na svojem spletišču zagotovila enostaven dostop do informacij o postopku pri zamenjavi bančnih storitev ene finančne institucije za storitve druge take institucije.
The Risk Book is available on the Bank's website www.Íslandsbanki.is/riskbook.
Poleg tega bo na spletišču omogočen enostaven dostop do dokumentov, nujnih za zamenjavo finančne institucije.
The first step in assessing the capital requirements is based on the Pillar 1 calculations.
Enake informacije in obrazci za prenos dejavnosti bodo na voljo tudi v podružnicah banke.
According to the ICAAP report, the additional capital requirements under Pillar 2 (Pillar 2a and 2b) are estimated as follows:(a) Other risk types and risk not fully covered under Pillar 1: In addition to the minimum capital required under Pillar 1 further capital might be required under Pillar 2a due to other risk factors or due to understatement of the Pillar 1 risk factors.
Banka Íslandsbanki bo vse zahtevke za prenos bančnih storitev izvršila hitro.
The capital requirements under Pillar 1 and Pillar 2a form the baseline capital requirement for the Bank.(b) Reduction in available capital due to stress testing and for strategic purposes: The baseline capital requirement is estimated based on ‘normal business conditions’.
Banka se pri trženju svojih storitev ne bo sklicevala na vključenost države kot vir konkurenčne prednosti.
The Bank however needs to make sure that its capital is sufficient to support the business under stressed market conditions and that it supports the Bank's business strategy for the years to come.
Če konkurenčne ponudbe storitev niso na voljo, je banka pripravljena ponuditi naslednje storitve po ceni, ki bo temeljila na stroških, h katerim se prišteje razumna marža:
Thus, the Bank might need to hold a capital buffer in order to be able to withstand stressed market conditions and to support intended growth.
Storitve obdelave plačil za ISK.
In order to estimate the size of the capital buffer needed, the Bank's business plan is stressed based on various assumptions relevant to the Bank's risk profile and business strategy.
Storitve obdelave plačil za Forex.
The Bank's internal liquidity ratio represents a stressed situation rather than normal business conditions.
Distribucija bankovcev in kovancev.
The ISFI is a state body with an independent Board of Directors, reporting to the Minister of Finance, which was established with Act No 88/2009 and came into effect in August 2009.
I. Prodaja ter izročanje bankovcev in kovancev v prostorih prejemnika storitve.
The ISFI shall have completed its duties no later than 5 years after its foundation.
Ohranjanje zaloge posebnih kaset z bankovci, ki se vstavijo v bankomate.
The ISFI manages the holdings in accordance with the law, good governance and business practices and the state's ownership policy.
Vendar bi te kasete v bankomate „vlagalo“ podjetje za varovanje, ki ga najamejo novi/majhni udeleženci.
It aims to restore and reconstruct a dynamic domestic financial market, while at the same time promoting effective competition in the market as well as guaranteeing transparency in all decisions regarding the state's participation in financial activities
USTREZNE PRILAGODITVE IN SPREMEMBE REGULATIVNEGA IN NADZORNEGA OKVIRA ZA FINANČNE TRGE NA ISLANDIJI, SPREJETE PO KRIZI
These prerequisites concern in particular uncertainties resulting from recent Supreme Court rulings regarding FX-denominated loans and that the assets of the insolvent estates of the old banks have been wound up satisfactorily.
Islandski organi so predložili naslednji pregled sprememb zakonodaje, ki je bila v veljavi jeseni leta 2008:
See Chapter 9.7 of the report the Future Structure of the Icelandic Financial System, available at http://eng.efnahagsraduneyti.is/media/Acrobat/Future-Structure.pdf
Povečana so bila pooblastila islandskega Organa za finančni nadzor za ukrepanje (za prevzem pristojnosti skupščin delničarjev in prodajo sredstva, glej zakon o izrednih razmerah); Organ za finančni nadzor je dobil razširjena pooblastila za nadzor; sprejete so bile dodatne določbe, ki temu organu omogočajo, da oceni dejavnosti ali ravnanje posameznih nadzorovanih strank.
Described in detail in Chapter 3 of the present decision.
Te vključujejo pooblastila za sprejemanje odločitev, kot je zapiranje ustanov ali zaključevanje specifičnih dejavnosti brez dejanskega preklica dovoljenj za poslovanje, ter podrobnejšo opredelitev konceptov, katerih razlago so izpodbijali Organ za finančni nadzor in nadzorovani subjekti ali pritožbeni organi.
See in this respect the judgment of the General Court in joined Cases T-425/04, T-444/04, T-450/04 and T-456/04, France and others v Commission [2010] ECR II-02099, paragraph 283 (on appeal).
Pojasnjena in podrobneje določena so bila pravila o posameznih velikih izpostavljenostih, povečana je bila vloga upravljanja tveganja in odgovornost v zvezi z upravljanjem tveganja, Organ za finančni nadzor je odobril, da bo upravljanju tveganj podelil višji status v organizaciji finančnih podjetij, določbe o uporabi testov izjemnih situacij pa so bile poostrene.
See for example T-228/99 WestLB [2003] ECR II-435.
Uzakonjene so bile določbe za poseben register večjih posojilojemalcev, da se zagotovi boljši pregled nad večjimi, posameznimi izpostavljenostmi v dveh ali več finančnih podjetjih.
See for example Commission decision of 10 October 2008 in case NN 51/2008 Guarantee scheme for banks in Denmark, at paragraph 32, and Commission decision of 21.10.2008 in case C 10/2008 IKB, at paragraph 74.
Register je pomemben za medsebojno povezovanje izpostavljenosti in ocenjevanje njihovega sistemskega vpliva, če bi se pojavile težave pri dejavnostih posojilojemalcev.
See the Authority's decision of 8.5.2009 on a scheme for temporary recapitalisation of fundamentally sound banks in order to foster financial stability and lending to the real economy in Norway (205/09/COL) available at: http://www.eftasurv.int/?1=1&showLinkID=16694&1=1
Subjekti, ki jih Organ za finančni nadzor ne nadzoruje, a so navedeni v registrih finančnih podjetij, morajo temu organu zagotoviti informacije o vseh svojih obveznostih.
See in this context similar reasoning adopted by the European Commission in respect of investments made by suppliers of a firm in difficulty in Commission Decision C 4/10 (ex NN 64/09) — Aid in favour of Trèves (France).
Organ za finančni nadzor lahko prepove zagotavljanje storitev takim strankam, če ne bi hotele zagotoviti zahtevanih informacij.
Report of the Minister of Economic Affairs to the Althingi (March 2012), ‘The Future Structure of the Icelandic Financial System’, Ch.
Določbe o zdravih poslovnih praksah so bile okrepljene, obstoj odbora za pritožbe o transakcijah s finančnimi podjetji pa je bil uzakonjen; razkriti je treba podrobne informacije o vseh najpomembnejših lastnikih finančnih podjetij.
9.6, available at http://eng.atvinnuvegaraduneyti.is/media/Acrobat/Future-Structure.pdf
Skrajšali so se roki, ki finančnim podjetjem omogočajo, da prodajo dodeljena sredstva.
The Authority notes in this respect comments of the Governor of the CBI, who states in the foreword to the bank's Financial Stability report for the second half of 2010 that the ‘financial institutions' capitalisation is currently protected by the capital controls and the Government's declaration of deposit guarantee’.
Poostrene in podrobneje določene so bile določbe o deležih lastnih delnic v finančnih podjetjih.
See http://www.sedlabanki.is/lisalib/getfile.aspx?itemid=8260, p. 5.
Deleži podružnic se zdaj obravnavajo kot lastne delnice, enako kot zunajbilančne pogodbe v zvezi z lastnimi delnicami.
See also Commission Decisions NN48/2008 Guarantee Scheme for Banks in Ireland, paragraphs 46 and 47: http://ec.europa.eu/community_law/state_aids/comp-2008/nn048-08.pdf; and NN51/2008 Guarantee Scheme for Banks in Denmark: http://ec.europa.eu/community_law/state_aids/comp-2008/nn051-08.pdf
Finančnim institucijam je bilo prepovedano podaljšati posojilo v zameno za jamstva za njihove lastne delnice ali potrdila jamstvenega kapitala.
See in this respect Case 730/79 Phillip Morris v Commission [1980] ECR 2671.
Organ za finančni nadzor mora zdaj določiti pravila o tem, kako izračunati posojila, zavarovana s hipoteko na delnice drugih finančnih podjetij, na osnovi tveganja in kapitalski osnovi.
See Part VIII of the Authority's State Aid Guidelines.
Povečani sta bili odgovornost in vloga oddelka za notranjo revizijo.
Temporary rules regarding financial crisis.
Obstajajo podrobni predpisi glede uravnoteženosti med obsegom in raznovrstnostjo dejavnosti zadevnih finančnih podjetij ter obsegom njihovega oddelka za notranjo revizijo.
The application of state aid rules to measures taken in relation to financial institutions in the context of the current global financial crisis, available at http://www.eftasurv.int/?1=1&showLinkID=16604&1=1
Obdobje, v katerem lahko podjetje za revizijo izvaja revizijo v istem finančnem podjetju, je bilo omejeno na pet let; zmožnost finančnih podjetij za odpustitev „težkega“ revizorja je zmanjšana.
Return to viability and the assessment of restructuring measures in the financial sector in the currents crisis under the State aid rules, adopted by the Authority on 25.11.2009 under chapter VII: Temporary Rules regarding the Financial Crisis, as extended by the Financial Crisis Guidelines 2012.
Pregledane so bile vse določbe za izračun lastniškega kapitala in različnih drugih tehničnih vidikov.
Available at the Authority's website at: http://www.eftasurv.int/media/state-aid-guidelines/Part-VIII---Return-to-viability-and-the-assessment-of-restructuring-measures-in-the-financial-sector.pdf
Pregledana so bila pravila o izvajanju kvalificiranih deležev, tj. 10 % ali več glasovalnih pravic.
Leveraged Buyouts.
Organ za finančni nadzor ima dovoljenje, da obrne dokazno breme pri ocenjevanju strank, ki nameravajo prevzeti ali dodati kvalificirane deleže, npr. ko ni gotovo, kdo je/so upravičen(-i) lastnik(-i) holdinga s kvalificirano večino.
New Rules on Foreign Exchange Balance adopted by the CBI entered into force on 1 January 2011.
Glede direktorjev so bile oblikovane dodatne zahteve po izpolnjevanju meril, njihove odgovornosti v zvezi z nadzorom in dejavnostmi so bile povečane, izvršni predsedniki upravnih odborov pa prepovedani; Organu za finančni nadzor je bila pripisana večja nadzorna vloga pri upravnih odborih; v zvezi s prejemki oseb na vodilnih položajih je treba razkriti informacije, ki omogočajo individualno prepoznavanje.
The purpose of the rules is to limit foreign exchange risk by preventing foreign exchange balances from exceeding defined limits.
Določena so bila pravila o posojilnih transakcijah finančnih institucij z direktorji, generalnimi direktorji, ključnimi zaposlenimi in lastniki kvalificiranih deležev v zadevnem finančnem podjetju.
One of the most important changes from previous versions of the Rules is that the permissible open foreign exchange position in individual currencies has been reduced from 20 % to 15 % of equity, and the permissible total foreign exchange balance has been lowered from 30 % to 15 %.
Podobna pravila se uporabljajo za stranke, tesno povezane z navedenimi.
Foreign exchange balance reporting is also more detailed than before, as foreign-denominated assets and liabilities are classified by type: loans, bonds, equity securities, shares in mutual funds, deposits, interest-bearing agreements, debts to the Central Bank, and so on.
Organ za finančni nadzor je sprejel pravila o tem, kaj se obravnava kot zadovoljivo zavarovanje za take transakcije.
Should the foreign exchange balance deviate from the limits set forth in the rules, the financial undertaking concerned must take action so as to eliminate the difference within a maximum of three business days.
Sprejeta so bila pravila za ureditev sistema spodbud in bonusov za upravo in zaposlene ter za prenehanje pogodbe.
If a financial undertaking's measures fail to achieve this, the CBI may calculate periodic penalties.
Poostrene so bile določbe o reorganizaciji in likvidaciji finančnih podjetij.
The CBI has also taken other steps to limit foreign exchange imbalances, for instance by concluding a currency swap agreement with one of the commercial banks as well as purchasing foreign currency.
Opravljen je bil celovit pregled posebnih pravil o hranilnicah.
According to the CBI, these measures promote increased financial stability and bolster the CBI's non-borrowed foreign exchange reserves.
Pojasnjeni so bili status in pravice lastnikov jamstvenega kapitala v hranilnicah, glede dividend pa določene omejitve, sprejeta so bila jasna pravila o transakcijah jamstvenega kapitala, določena so bila pravila o odpisih jamstvenega kapitala ter razjasnjena pravila o pooblastilih hranilnic za formalno sodelovanje.
However, in the ICAAP-report, Íslandsbanki underlines that decisions on each year's dividend payment will be based on up to date capital adequacy analysis and also take into account the Bank's liquidity position.
Hranilnicam je bilo prepovedano spreminjati pravno obliko.
Cf. for example the CBI's Financial Stability report 2011:2, according to which the interest rate margin is about 2-3 times higher in Iceland than in other Nordic countries.
Islandski organi trdijo, da islandski predpisi v nekaterih vidikih presegajo vseevropski okvir.
According to current estimates, the losses could amount to 70-75 % of the loans they had granted to Glitnir; see for example http://glitnirbank.com/press-room/tilkynningar-a-islensku/448-athugasemdfraslidastjorn.html
Najpomembnejša odstopanja od pravil, ki jih je sprejela EU in so bila povzeta v Sporazumu EGP:
In fact, the state capitalisation of Íslandsbanki was based directly on the difference between the initial valuation of assets and liabilities transferred, and the capital requirement of the FME.
Organ za finančni nadzor lahko omeji dejavnosti posameznih poslovalnic finančnih podjetij, če ima razloge za to.
The recapitalisation of financial institutions in the current financial crisis: limitation of aid to the minimum necessary and safeguards against undue distortions of competition (‘the Recapitalisation Guidelines’), OJ L 17, 20.1.2011 and EEA Supplement No 3.
Poleg tega lahko določi, da morajo posamezne poslovalnice finančnih podjetij za nadaljnje opravljanje svojih dejavnosti izpolniti posebne zahteve.
The guidelines are also available on the Authority's website at: http://www.eftasurv.int/state-aid/legal-framework/state-aid-guidelines/
Če ima Organ za finančni nadzor razloge za to, lahko začasno v celoti ali deloma omeji dejavnosti, ki jih ima finančno podjetje namen opravljati, ne glede na to, ali ima podjetje zanje dovoljenje ali ga nima.
At the end of 2014, the restructuring periods of all Icelandic banks for which a formal investigation has been initiated will have come to an end.
K vsemu temu so med drugim pripomogle dejavnosti podružnic in njihovi depozitni računi, ki so jih vzpostavile v drugih evropskih državah do leta 2008 (Icesave, Edge in Save-and-Save).
The stamp duty varies depending on the type of legal document concerned, but is normally 15 ISK for each started thousand ISK (i.e. approximately 1,5 %) on the amount of interest-bearing bonds secured by a mortgage or other security.
V islandski zakonodaji so določene precej podrobnejše določbe glede vloge notranje revizije kot v direktivah EU.
Cf. for example Commission Decision in Case SA.28264, Restructuring aid for Hypo Real Estate, in which the Commission accepted the separation of a large part of the Hypo Real Estate's overseas business as a measure to limit distortions of competition for the bank's successor PBB.
Islandska zakonodaja vsebuje tudi precej podrobnejše določbe o tem, kako naj bi se testi izjemnih situacij izvajali, kot direktive EU.
For the same reasons the Authority accepts the divestments are subject to the condition that […].
Finančna podjetja morajo imeti poseben register (register kreditov) vseh strank, ki jim je bil podaljšan kredit, ob koncu vsakega meseca pa morajo Organu za finančni nadzor predložiti posodobljen seznam iz tega registra.
ANNEX
Podoben seznam se pošlje strankam, tesno povezanim s finančnimi podjetji, njihovim upravnim odborom in direktorjem ter skupinam povezanih strank, v kolikor te stranke niso na navedenem seznamu.
COMMITMENTS AND RELEVANT CHANGES TO THE LEGAL FRAMEWORK FOR BANKING
Ta seznam bo omogočil lažje spremljanje notranjih povezav med finančnimi podjetji, njihovimi direktorji in upravo.
COMMITMENTS BY THE ICELANDIC AUTHORITIES
Če Organ za finančni nadzor meni, da bi izposojanje ene stranke iz registra kreditov, katere finančne dejavnosti niso pod uradnim nadzorom, imelo sistemski učinek, lahko od zadevne stranke zahteva informacije o njenih obveznostih.
The Icelandic authorities have made two commitments which are enumerated below.
Če stranka iz registra kreditov, ki ni pod uradnim nadzorom, Organu za finančni nadzor noče razkriti informacij, lahko ta organ odredi, da naj se subjekti, ki so pod nadzorom, vzdržijo zagotavljanja nadaljnjih storitev tej stranki.
Amendment of stamp duty to preclude state aid and reduce switching costs
To velja tudi, če zadevna stranka ni razkrila zadovoljivih informacij.
The Ministry of Finance will appoint a working group with the mandate to review Act No 36/1978 on Stamp Duty.
V predpisih EU/EGP ni določb o registru kreditov in obsežnih pooblastilih nadzornikov glede strank, ki niso pod uradnim nadzorom.
The working group is to submit a report to the Minister of Finance by October 2012, along with a draft bill.
Precej podrobnejše in omejevalne določbe kot v predpisih EU/EGP veljajo tudi za kreditiranje povezanih strank in zavarovanje.
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).
Organ za finančni nadzor mora lastniku kvalificiranega deleža zavrniti pravico do uveljavljanja deleža, če obstajajo dvomi glede tega, kdo je ali bo dejanski lastnik.
The group shall furthermore examine how the provision of stamp duty may be amended in order to simplify procedures and promote competition.
Najdaljše obdobje, v katerem lahko zunanji revizorji delajo za isto finančno podjetje, je krajše kot v predpisih EU/EGP.
Measures to facilitate switching and reduce switching costs
Določene so precej podrobnejše določbe o upravičenosti direktorjev v finančnih podjetjih kot v direktivah EU.
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.
Sprejete so določbe o sistemu bonusov in prenehanju pogodb.
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.
Nedavno so bili določeni formalni predpisi glede politike nadomestil v direktivah EU, a pravila o prenehanju pogodb na tej ravni še niso bila sprejeta.
The Committee shall present its report no later than 15 January 2013.
Minister za gospodarske zadeve je 23. marca 2012 predstavil poročilo o prihodnji strukturi islandskega finančnega sistema, njegovi ureditvi in finančnem nadzoru.
Moreover, the Icelandic authorities have endorsed and will enforce the following commitments by Íslandsbanki:
Minister je nadalje imenoval skupino strokovnjakov, da bo pregledala pravni in zakonodajni okvir za vse finančne dejavnosti na Islandiji.
Limitation of acquisitions
Nadzorni organ je v elektronski pošti z dne 24. marca 2011 [5] prejel pripombo zainteresiranih strani, ki je bila islandskim organom posredovana 25. maja 2011.
Íslandsbanki commits itself not to acquire financial institutions until 15 October 2014.
Islandski organi se na to pripombo niso odzvali.
Notwithstanding this commitment, Íslandsbanki may, after obtaining the Authority's approval, acquire businesses, in particular if this is necessary in order to safeguard financial stability.
Islandski organi so na ti zahtevi odgovorili 17. oktobra 2011 in 13. marca 2012.
Divestment of […]
Končne različice zavez so bile predložene 16. maja 2012 in 6. junija 2012 [7].
Íslandsbanki commits itself to divest of its shareholding in […] by [date], and commits to offer the below shareholdings publicly for sale […].
Združena sredstva treh bank so se eksponentno povečala z 1,4 milijarde ISK [11] v letu 2003 na 14,4 milijarde ISK ob koncu druge četrtine leta 2008.
[…] e […]
Pomembno je, da je k znatnemu delu rasti treh bank prispevalo posojanje tujim strankam, kar se je precej razmahnilo med letom 2007 [12], in sicer najbolj opazno po začetku mednarodne likvidnostne krize.
Divestment of shares in companies under restructuring
Islandska vlada je upoštevala politiko, v osnovi določeno v zakonu o izrednih razmerah [19], ki ga je islandski parlament sprejel 6. oktobra 2008.