natgillin/translations-raw huggingface dataset:
Corrected by the interested parties on 25 May 2012.
Dodatek je bil podpisan 13. januarja 2010, kot odziv na nekatere pripombe Organa za finančni nadzor pa je bil 19. julija 2010 sklenjen nov sporazum.
See Authority's Decision No 325/11/COL, on the acquisition of Byr hf by Íslandsbanki and the prolongation of the temporary approval of the subordinated loan facility granted to Byr hf, OJ C 16, 19.1.2012, p. 10 and the and EEA Supplement to the Official Journal No 3, 19.1.2012, p.
Kot je bilo že navedeno, je bil eden od pogojev Organa za finančni nadzor, da je treba imeti denarna sredstva ali njihove ustreznike za 5 % vlog na zahtevo in da bi morale biti banke zmožne zagotoviti 20-odstotni takojšnji odliv vlog.
1.
Odločitev v angleščini je na voljo na: http://fme.is/lisalib/getfile.aspx?itemid=6055.
Regarding the competitive situation in the Icelandic banking sector and possible competition remedies, the Authority has cooperated with the Icelandic Competition Authority (ICA).
Odločitev v angleščini je na voljo na: http://fme.is/lisalib/getfile.aspx?itemid=6077.
See the report of the Special Investigation Commission to the Icelandic Parliament, Chapter 2: Summary of the Report's Main Conclusions, page 13, available at http://sic.althingi.is/pdf/RNAvef-Kafli2Enska.pdf
REIBOR je kratica za rejkjaviško medbančno obrestno mero, ki pomeni medbančno tržno obrestno mero za kratkoročna posojila v islandskih komercialnih bankah in hranilnicah.
Landsbanki was also placed in receivership on the same day and Kaupthing Bank followed two days later on 9.10.2008.
Pristop je podoben tistemu, pri katerem mnogo držav uporablja mero LIBOR kot osnovno mero za posojila z variabilno obrestno mero, toda islandske banke uporabljajo mero REIBOR (čemur prištejejo premijo) kot osnovo za dobavo posojil z variabilno obrestno mero v islandski valuti – kroni.
The SIC's members were Supreme Court Judge, Mr Páll Hreinsson; Parliamentary Ombudsman of Iceland, Mr Tryggvi Gunnarsson; and Mrs Sigríður Benediktsdóttir Ph.D., lecturer and associate chair at Yale University, USA.
Petletni poslovni načrt je bil tudi dopolnjen s predstavitvijo največjih sprememb v petletnem poslovnem načrtu, ki so ga 27. marca 2012 pripravili na sestanku upravnega odbora, izražene pa so tudi v poročilu o procesu ocenjevanja ustreznega notranjega kapitala.
The report is available in full in Icelandic at: http://rna.althingi.is/ and parts translated into English (including the Executive Summary and the chapter on the causes of the collapse of the banks) are available at: http://sic.althingi.is/
Kreditiranje na finančnem trgu Forex pomeni kreditiranje v tujih valutah.
Icelandic króna.
Zajema posojilo v tuji valuti in se običajno nanaša na posojila, denominirana v valuti, ki ni valuta domače države posojilojemalca.
Lending to foreign parties increased by 11,4 billion euros from 9,3 billion euros to 20,7 billion euros in six months.
Ekonomske predpostavke, na katerih temeljijo projekcije, pripravlja raziskovalni oddelek banke.
Chapter 21.2.1.2 (page 6) of the Report.
Splošne predpostavke so zbrali ustrezni vodje oddelkov in zaposleni na vodilnih položaji, parafira pa jih izvršno-upravni odbor banke.
The position was further exacerbated by foreign creditors of the largest Icelandic investment companies making margin calls as a result of reduced collateral values, leading to the three main banks taking over the financing so that the foreign banks could be repaid.
Sedemdnevna zavarovana obrestna mera kreditiranja Centralne banke Islandije je od 16. maja 2012 znašala 5,5 %.
Chapter 21.2.1.4 of the Report.
Ko je bil predložen načrt prestrukturiranja, računovodsko poročanje za leto 2011 ni bilo zaključeno, tako so bili v končnem načrtu prestrukturiranja uporabljeni podatki z dne 30. septembra 2011.
It was in fact the then coalition government's stated policy to encourage more growth and to incentivise the banks to remain headquartered in Iceland.
Potem ko je banka Íslandsbanki objavila računovodski izkaz za leto 2011, je Nadzorni organ podatke posodobil.
Chapter 2, page 5 of the report.
Razlog za padec donosnosti lastniškega kapitala v letu 2011 je bila sodba vrhovnega sodišča z dne 15. februarja 2012 o kreditiranju na finančnem trgu Forex in odpis dobrega imena po združitvi z banko Byr.
For further general details of the measures taken by the Icelandic authorities see the report of the Minister of Finance to the Parliament on the resurrection of the commercial banks of May 2011 (Skýrsla fjármálaráðherra um endurreisn viðskiptabankanna), available at http://www.althingi.is/altext/-139/s/pdf/1213.pdf
„Zelo diskontirana cena“ je bila po navedbah islandskih organov dvojna, sestavljena je bila iz oslabitve sredstev in diskonta.
Act No 125/2008 on the Authority for Treasury Disbursements due to Unusual Financial Market Circumstances etc.
Iz oslabitve sredstev je razvidna razlika med vrednostjo terjatve in ocenjeno izterjavo posojilnih sredstev.
See also FME's Annual Report 2009 (July 2008 — June 2009), available at http://en.fme.is/media/utgefid-efni/FME-Annual-Report-2009.pdf
Poleg tega je iz diskonta razvidna razlika med pogodbenimi obrestnimi merami in tržnimi obrestnimi merami, ker prevzeti posojilni portfelj ni bil vrednoten po tržnih obrestnih merah.
Further takeovers of financial undertakings were to follow.
V poročilu Organa za finančne naložbe Republike Islandije za leto 2011 (o dejavnostih bank v letu 2010) je ugotovitev podobna; „osnovna donosnost“ banke Íslandsbanki je glede na to poročilo celo višja.
In March 2009, the FME took control of the operations of three financial undertakings; Straumur-Burdaras, the Reykjavik Savings Bank (SPRON) and Sparisjodabanki Íslands (Icebank), and decided on the disposal of the assets and liabilities of those undertakings.
Glej http://www.bankasysla.is/files/SkyrslaBR_2011_net_74617143.pdf.
While a composition agreement with Straumur's creditors was later approved, SPRON and Sparisjodabanki were submitted to a winding-up procedure.
Glej pravila Centralne banke Islandije o likvidnostnih količnikih št. 317 z dne 25. aprila 2006, na voljo na: http://www.sedlabanki.is/lisalib/getfile.aspx?itemid=4713.
Other financial undertakings were also severely affected by the collapse of the three main commercial banks and prevailing uncertainties in financial markets, and further financial undertakings were made subject to public administration in 2010.
Glavne islandske banke so se dogovorile, da bodo vsem preveč zadolženim strankam ponudile 110-odstotno prilagoditev hipotekarnega kredita, kar pomeni, da je glavnica hipotekarnih kreditov določena pri 110 % evidentirane vrednosti premoženja.
Thus, the FME appointed a provisional board of directors for VBS Investment Bank in March 2010.
Banka Íslandsbanki je poudarila, da prednostni položaj vlog na Islandiji omejuje zmožnost izdajanja nezavarovanega dolga […].
In April 2010, the FME took control of Keflavík Savings Bank and Byr Savings Bank, determining that their operations would be taken over by new financial undertakings, SpKef Savings Bank and Byr hf, respectively.
Indeks cen življenjskih potrebščin.
As the financial conditions of these new undertakings turned out to be worse than initially anticipated, SpKef was later merged with Landsbankinn, by decision of the FME, and Byr hf. was merged with Íslandsbanki, following a tender for the shares in Byr.
Knjiga tveganja je na voljo na spletišču banke: www.Íslandsbanki.is/riskbook.
The Icelandic authorities were furthermore called upon, in 2009, to address the financial difficulties of Saga Capital Investment Bank and, in 2011, the Housing Financing Fund.
Prvi korak pri ocenjevanju kapitalskih zahtev temelji na izračunih za steber 1.
As an example of the scale of the sharp depreciation, the monthly average exchange rate of the euro to the Icelandic króna rose from 90,71 ISK in December 2007 to 184,64 ISK November 2009.
V skladu s poročilom o procesu ocenjevanja ustreznega kapitala se ocenjuje, da so dodatne kapitalske zahteve v okviru stebra 2 (stebra 2a in 2B) naslednje:(a) druge vrste tveganj in tveganja, ki v okviru stebra 1 niso v celoti krita: poleg najnižjega kapitala, ki se zahteva v okviru stebra 1, je morda potreben dodatni kapital v okviru stebra 2a zaradi drugih dejavnikov tveganja ali nezadostno navedenih dejavnikov tveganja v okviru stebra 1.
During the years 2009-2011, the share of investments in GDP has been only 13-14 %.
Kapitalske zahteve v okviru stebra 1 in stebra 2a so osnovna kapitalska zahteva za banko;(b) znižanje razpoložljivega kapitala zaradi testiranja izjemnih situacij in strateških namenov: ocenjuje se, da osnovna kapitalska zahteva temelji na „običajnih poslovnih pogojih“.
Trade balance refers to the difference in earnings from exports and imports of goods and services.
Vendar mora banka zagotoviti, da ima dovolj kapitala za podpiranje poslovanja pod izjemnimi tržnimi razmerami in za podpiranje poslovne strategije banke v prihodnjih letih.
It does not include the balance on primary income from abroad, which has been negative in past years, particularly since 2008.
Torej bi banka morda potrebovala kapitalsko rezervo, da bi bila kos stresnim tržnim razmeram in da bi podpirala nameravano rast.
This implies that despite the surplus on the trade balance, Iceland's overall current account has been negative during recent years although declining sharply since 2009.
Poslovni načrt banke je izpostavljen izjemnim situacijam na podlagi različnih predpostavk v zvezi s profilom tveganja in poslovno strategijo, da se oceni velikost potrebne kapitalske rezerve.
On this subject see for instance the report of the Minister of Economic Affairs to the Althingi of March 2012, Future Structure of the Icelandic Financial System.
Notranji likvidnostni količniki banke pomenijo izjemno situacijo, ne pa običajnih poslovnih pogojev.
According to the ministry, this report is seen as a catalyst to an informed discussion of this important subject as it does not present fully formed proposals but sets out the main issues and outlook with reference to international developments.
Organ za finančne naložbe Republike Islandije je državni organ z neodvisnim upravnim odborom, ki poroča ministrstvu za finance, ustanovljen je bil z Zakonom št. 88/2009, ki je začel veljati avgusta 2009.
The report is available at http://eng.efnahagsraduneyti.is/media/Acrobat/Future-Structure.pdf
Ta organ bo svoje naloge zaključil najpozneje pet let po ustanovitvi.
Bringing deposit guarantees back to normal conditions does not only relate to abolishing the state backing of such guarantees, but also to review the provisions in the Emergency Act according to which deposits which enjoy deposit guarantees by law have priority in the winding-up of a financial undertaking.
Ta organ upravlja deleže v skladu z zakonodajo, s prakso dobrega upravljanja in poslovno prakso ter politiko državnega lastništva.
This comprises a considerable guarantee for depositors, not least while the 2008 banking collapse is still fresh in people's minds.
Njegov namen je ponovno vzpostaviti in obnoviti dinamičen domači finančni trg, obenem pa spodbujati učinkovito konkurenco na trgu ter zagotavljati preglednost v vseh odločitvah v zvezi z udeležbo države v finančnih dejavnostih.
This provision is on the other hand likely to represent a handicap for the banks to diversify their funding arrangement.
Ti pogoji se nanašajo zlasti na negotovosti, ki izhajajo iz nedavne sodbe vrhovnega sodišča o posojilih, denominiranih na trgu Forex, in na dejstvo, da so bila sredstva insolventnih stečajnih premoženj nekdanjih bank uspešno združena.
See Chapter 9 of the report of the Minister of Economic Affairs referred to in footnote 25.
Glej poglavje 9.7 poročila o prihodnji strukturi islandskega finančnega sistema, na voljo na: http://eng.efnahagsraduneyti.is/media/Acrobat/Future-Structure.pdf.
When presenting that report, the Minister of Economic Affairs also appointed a group of banking experts, with participation of foreign experts, to prepare proposals on a comprehensive legal and regulatory framework for the financial market in Iceland as a whole.
Podrobno opisani v poglavju 3 te odločbe.
According to the same report, the Icelandic authorities also foresee to study other future options, including the possible separation of investment and commercial banking activities, the adoption of a financial stability legislation and possible amendment of the division of responsibility of financial services regulatory bodies.
Glej v zvezi s tem sodbo Splošnega sodišča z dne 21. maja 2010 v združenih zadevah Francija in drugi proti Komisiji, T-425/04, T-444/04, T-450/04 in T-456/04, ZOdl., str.
It is also clear from the statements of the Icelandic authorities that a review of the monetary policy framework remains on the agenda, with or without the possibility that Iceland will become a member of the European Union, as well as other possible means to improve economic management and ensure that regulators ‘see the forest for the trees’ and effectively apply the most appropriate macro-prudential tools.
II-02099, točka 283 (o pritožbi).
See Chapter 6 of the report by the Minister of Economic Affairs to the Althingi, The Future Structure of the Icelandic Financial System, available at http://eng.efnahagsraduneyti.is/publications/news/nr/3559
Glej na primer sodbo z dne 6. marca 2003 v zadevi WestLB, T-228/99, Recueil, str.
The operations of Straumur-Burdaras Investment Bank and Saga Capital Investment Bank have also diminished significantly.
Glej na primer odločitev Komisije z dne 10. oktobra 2008 v zadevi št.
On 11 April 2011, a contract for the sale of (old) MP bank's operations in Iceland and Lithuania was approved at the bank's shareholder meeting, when over 40 new shareholders invested 5,5 billion ISK in new shares in the bank.
NN 51/2008 – Jamstvena shema za banke na Danskem, točka 32, in odločitev Komisije z dne 21. oktobra 2008 v zadevi št.
Other operations of the old bank remained with the previous owners and were transferred to a new legal entity, EA fjárfestingarfélag hf.
C 10/2008 – IKB, točka 74.
For further details, see MP bank's press releases of 11 April 2011 available at https://www.mp.is/um-mp-banka/utgefid-efni/frettir/nr/1511 and https://www.mp.is/um-mp-banka/utgefid-efni/frettir/nr/1510
Glej Odločbo Nadzornega organa z dne 8. maja 2009 o shemi začasne dokapitalizacije načeloma zdravih bank za spodbujanje finančne stabilnosti in posojil realnemu gospodarstvu na Norveškem (205/09/COL) na voljo na: http://www.eftasurv.int/?1=1&showLinkID=16694&1=1.
According to the settlement, RB and its owners have agreed to a number of commitments aimed at preventing distortions of competition resulting from RB's operations and the cooperations of its owners.
Glej v tem okviru podobno razpravljanje Evropske komisije v zvezi z naložbami dobaviteljev podjetij v težavah v Sklepu Komisije C 4/10 (ex NN 64/09) – Pomoč podjetju Trèves (Francija).
The commitments require, inter alia, that RB shall be operated on general commercial terms independent from its owners and the majority of RB's board shall be composed of specialists independent from the owners, access to the systems and services provided by RB shall be provided on a non-discriminatory basis and the terms of services provided by RB shall be the same irrespective of whether or not the client is a shareholder in RB.
Poročilo ministra za gospodarske zadeve parlamentu (iz marca 2012), „Future Structure of the Icelandic Financial System“, poglavje 9.6, na voljo na: http://eng.atvinnuvegaraduneyti.is/media/Acrobat/Future-Structure.pdf.
Existing owners of RB have committed to offer regularly for sale part of their holdings in RB, with the aim of facilitating non-financial undertakings to acquire ownership in RB.
Glej tudi odločitev Komisije v zadevi NN 48/2008 – Jamstvena shema za banke na Irskem, točki 46 in 47: http://ec.europa.eu/community_law/state_aids/comp-2008/nn048-08.pdf ter odločitev Komisije v zadevi NN51/2008 – Jamstvena shema za banke na Danskem: http://ec.europa.eu/community_law/state_aids/comp-2008/nn051-08.pdf.
Such invitations shall be made at least every second year, until at least a third of total shareholdings in RB have been sold to parties other than the current shareholders or offered for sale in a shares offering.
Glej v zvezi s tem sodbo z dne 17. septembra 1980 v zadevi Case Phillip Morris proti Komisiji, 730/79, Recueil, str. 2671.
The ICA uses the term ‘operating companies’ for the banks' holdings in normally non-financial businesses which the banks have acquired in relation to the restructuring of their loan portfolios through debt to equity swaps or otherwise.
Uporaba pravil o državni pomoči za ukrepe, sprejete v zvezi s finančnimi institucijami v okviru trenutne svetovne finančne krize, je na voljo na: http://www.eftasurv.int/?1=1&showLinkID=16604&1=1.
Likewise, the Authority uses the term ‘operating company’ for real economy undertaking, which do not belong to the bank's core business in financial markets.
Prevzemi z vzvodom.
In this context, the Authority understands that indirect ownership refers to the banks' possible influence and control over companies due to their high indebtedness to the bank.
Ena od najpomembnejših sprememb v primerjavi s prejšnjimi različicami predpisov je, da je bila dovoljena odprta pozicija v tujih valutah za posamezno valuto znižana z 20 % na 15 % lastniškega kapitala, dovoljen skupni znesek denarnih sredstev v tujih valutah pa se je znižal s 30 % na 15 %.
Glitnir's Annual Report for 2007, p. 40.
Podrobnejše kot prej je tudi poročanje o uravnoteženosti tujih valut, ker so sredstva in obveznosti, denominirana v tujih valutah, razvrščena po vrstah: posojila, obveznice, lastniški vrednosti papirji, delnice v vzajemnih skladih, vloge, obrestonosni sporazumi, dolgovi do centralne banke itd. Če bi pri uravnoteženosti tujih valut prišlo do odklona od meja, določenih v predpisih, mora zadevno finančno podjetje z ukrepi v največ treh poslovnih dneh odpraviti razliko.
The report is available here: http://tools.euroland.com/arinhtml/is-isb/2007/ar_eng_2007/ Glitnir's Consolidated Financial Statements 2007 are available here: http://en.sff.is/media/auglysingar/Glitnir_-Annual_Report_2007.pdf
Če finančno podjetje z ukrepi tega ne more doseči, mu lahko Centralna banka Islandije zaračuna periodične denarne kazni.
Íslandsbanki has the second highest market share on the NASDAQ OMX ICE, fixed income market according to turnover figures for 2011.
Centralna banka Islandije je sprejela tudi druge ukrepe za omejitev neravnotežij tujih valut, na primer s sklenitvijo sporazuma o menjavi valut z eno od komercialnih bank ter nakupom tuje valute.
However, as most of the transactions that determine the market share of the bank in this business segment are not publicly reported, these are just best estimates submitted by the Icelandic authorities.
S temi ukrepi se po mnenju Centralne banke Islandije spodbuja finančna stabilnost in zavarujejo neizposojene devizne rezerve Centralne banke Islandije.
The graphs are based on the figures for Glitnir in the first half of 2008 and Íslandsbanki in the first half of 2009.
Vendar banka Íslandsbanki v poročilu o procesu ocenjevanja ustreznega notranjega kapitala poudarja, da bi morale odločitve o vsakoletnem izplačilu dividend temeljiti na posodobljeni analizi kapitalske ustreznosti, upoštevati pa bi se moral tudi likvidnostni položaj banke.
Minor amendments were made to this agreement on 31 July 2009, 14 August 2009 and 4 September 2009, and a final agreement was signed on 13 September 2009.
Glej, na primer, poročilo o finančni stabilnosti Centralne banke Islandije za drugo polovico leta 2011, v skladu s katerim je marža obrestne mere na Islandiji približno dva- do trikrat višja kot v drugih nordijskih državah.
Euro Interbank Offered Rate.
Glede na trenutne ocene bi lahko izgube znašale do 70–75 % posojil, ki so jih odobrili banki Glitnir; glej na primer: http://glitnirbank.com/press-room/tilkynningar-a-islensku/448-athugasemdfraslidastjorn.html.
OJ L 84, 26.3.1997, p.
Dejansko je državna kapitalizacija te banke temeljila neposredno na razliki med začetnim vrednotenjem prenesenih sredstev in obveznosti ter kapitalsko zahtevo Organa za finančni nadzor.
22.
Dokapitalizacija finančnih institucij ob trenutni finančni krizi: omejitev pomoči na najmanjšo potrebno in zaščitni ukrepi za preprečevanje neupravičenega izkrivljanja konkurence („Smernice o dokapitalizaciji“), UL L 17, 20.1.2011 in Dopolnilo EGP št. 3.
OJ L 135, 31.5.1994, p.
Smernice so na voljo tudi na spletišču Nadzornega organa na: http://www.eftasurv.int/state-aid/legal-framework/state-aid-guidelines/.
5.
Ob koncu leta 2014 se bodo končala obdobja prestrukturiranja za vse islandske banke, za katere so bili začeti formalni postopki preiskave.
The English translation of the announcement is available at: http://eng.forsaetisraduneyti.is/news-and-articles/nr/3033
Upravna taksa se razlikuje glede na vrsto zadevnega pravnega dokumenta, a običajno znaša 15 ISK za vsako začeto tisočo ISK (tj. približno 1,5 %) na znesek obrestonosne obveznice, zavarovane s hipotekarnim kreditom ali drugim vrednostnim papirjem.
We do not intend to maintain unlimited guarantee of deposits indefinitely.
Iz istega razloga Nadzorni organ sprejema dejstvo, da se za odprodaje uporablja pogoj, da […].
The question when it will be withdrawn depends, however, on when an alternative and effective deposit system will come into force and a financial system which will have fully resolved its issues’ (the Authority's translation).
PRILOGA
Unofficial translation by the Authority of a statement reported in Morgunblaðið (www.mbl.is) on 10 June 2012.
Islandski organi so sprejeli dve zavezi, navedeni v nadaljevanju.
As mentioned above, one of the FME's conditions required that cash or cash-like assets should amount to 5 % of on-demand deposits and the banks should be able to withstand a 20 % instantaneous outflow of deposits.
Ministrstvo za finance bo imenovalo delovno skupino, pooblaščeno za pregled Zakona št. 36/1978 o upravni taksi.
The decision is available in English at: http://fme.is/lisalib/getfile.aspx?itemid=6077
Naloga delovne skupine bo zlasti proučiti ukinitev upravne takse za obveznice, ki jih ob prenosu med upniki izdajajo posamezniki (npr. ko posamezniki prenesejo svoja posojila z ene posojilnice na drugo).
REIBOR denotes Reykjavik Interbank Offered Rate, representing the interbank market rate for short term loans at Icelandic commercial and savings banks.
Skupina bo še proučila, kako se lahko spremeni določba o upravni taksi za poenostavitev postopkov in spodbujanje konkurence.
The approach is similar to how many countries use LIBOR as the base rate for variable rate loans, but Icelandic banks use REIBOR (plus a premium) as the basis for supplying variable interest rate loans in the Icelandic currency, the króna.
Ukrepi za poenostavitev zamenjave in zmanjšanje stroškov pri zamenjavi
The 5-year business plan has also been supplemented by a presentation of the main changes in the 5-Year Business Plan, prepared for the Board Meeting of 27 March 2012, and reflected in the ICAAP-report.
V skladu z resolucijo, ki jo je islandski parlament sprejel 21. marca 2012, bo vlada imenovala odbor za pregled varstva potrošnikov na finančnem trgu in predstavitev predlogov o tem, kako se lahko položaj posameznikov in gospodinjstev v razmerju do posojilodajalcev okrepi.
FX-lending stands for lending in foreign currencies.
Imenovanje odbora bo vključevalo posebno pooblastilo za pregled poenostavitve zamenjave in zmanjšanja stroškov pri zamenjavi, odbor pa bo moral v zvezi s tem vprašanjem tesno sodelovati z Islandskim organom za konkurenco.
Covered foreign currency loan, and normally relates to loans denominated in a currency other than that of the borrower's home country.
Odbor bo svoje poročilo pripravil najpozneje do 15. januarja 2013.
The economic assumptions on which the projections are based are prepared by the Bank's Research Department.
Poleg tega so islandski organi podprli in bodo izvrševali naslednje zaveze, ki jih je sprejela banka Íslandsbanki:
The general assumptions were compiled by relevant department heads and senior employees and signed off by the Bank's Executive Management Board.
Omejitev prevzemov